# 27 NORTH STREET, CARLISLE, CUMBERLAND, CA2 5LN

## Property details

- Slug: `db965d3` (address key hash: `db965d35486df5a5da25cbfecfba5a0f9e8c821a`)
- Postcode: CA2 5LN
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 60 m²
- EPC rating: D
- Year built: England and Wales: 1900-1929
- Last sold: £87,500 Apr 2026
- Price per m²: £1,458/m²
- Local average: £118,538 (69 sales)
- Street crime: 528 incidents within 1 mile (May 2026)

## Latest sale

- Price: £87,500
- Date: 2026-04-02
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 19/06/2027
- **Current heating cost:** £658/year
- **Est. upgrade cost to C:** £25,500

### Recommendations
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8800-1404-1629-8926-3633)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-04-02 | £87,500 | Terraced | — | £87,500 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b83-d3fd-b8d0-e063-4704a8c08d98) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 27 NORTH STREET, CARLISLE, CUMBERLAND, CA2 5LN | £87,500 | 02/04/2026 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [167438570](http://87.117.209.195:8080/listings/75cecb0)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £87,500 |
| listed | 2025-09-25 | £90,000 |
| sold | 2019-01-01 | £75,000 |
| sold | 2008-01-01 | £90,000 |
| sold | 2003-01-01 | £41,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 21 NORTH STREET, CARLISLE, CUMBERLAND, CA2 5LN | £131,500 | 16/01/2026 | Terraced |
| 32 CUMBERLAND STREET, CARLISLE, CUMBERLAND, CA2 5JH | £56,000 | 07/01/2026 | Terraced |
| 22 HOLME HEAD WAY, CARLISLE, CUMBERLAND, CA2 6AJ | £120,000 | 12/12/2025 | Terraced |
| 23 CONSTABLE STREET, CARLISLE, CUMBERLAND, CA2 6AB | £155,000 | 07/11/2025 | Terraced |
| 10 NORTH STREET, CARLISLE, CUMBERLAND, CA2 5LN | £110,000 | 25/08/2025 | Terraced |
| 21 HOLME HEAD WAY, CARLISLE, CUMBERLAND, CA2 6AJ | £180,000 | 20/06/2025 | Terraced |
| 25 BEVERIDGE ROAD, CARLISLE, CUMBERLAND, CA2 5SA | £127,000 | 06/05/2025 | Terraced |
| 57 WESTMORLAND STREET, CARLISLE, CUMBERLAND, CA2 5JF | £85,000 | 18/09/2024 | Terraced |
| 4 COOGAN CLOSE, CARLISLE, CUMBERLAND, CA2 5SG | £158,500 | 20/12/2023 | Terraced |
| 96 RICHARDSON STREET, CARLISLE, CUMBERLAND, CA2 6AG | £105,000 | 08/12/2023 | Terraced |
| 17 FREER STREET, CARLISLE, CUMBERLAND, CA2 5JX | £150,000 | 04/12/2023 | Terraced |
| 76 RICHARDSON STREET, CARLISLE, CUMBERLAND, CA2 6AG | £145,000 | 30/11/2023 | Terraced |
| 10 ASHMAN CLOSE, CARLISLE, CUMBERLAND, CA2 5SN | £98,000 | 23/11/2023 | Terraced |
| 6 STOKOE COURT, CARLISLE, CUMBERLAND, CA2 5SE | £130,500 | 16/11/2023 | Terraced |
| 88 WESTMORLAND STREET, CARLISLE, CUMBERLAND, CA2 5JF | £94,000 | 13/10/2023 | Terraced |
| 3 DALSTON STREET, CARLISLE, CUMBERLAND, CA2 5JW | £56,000 | 21/09/2023 | Terraced |
| 21 BLUNT STREET, CARLISLE, CUMBERLAND, CA2 5LT | £120,000 | 11/08/2023 | Terraced |
| 5 DALSTON STREET, CARLISLE, CUMBERLAND, CA2 5JW | £70,000 | 07/08/2023 | Terraced |
| 18 MARYPORT COURT, CARLISLE, CUMBERLAND, CA2 5LY | £105,000 | 26/04/2023 | Terraced |
| 86 RICHARDSON STREET, CARLISLE, CUMBERLAND, CA2 6AG | £145,000 | 05/04/2023 | Terraced |

**Area average:** £117,075 (20 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 23.2%
- **10y growth:** 7.5%

## House Price Index (HM Land Registry)

*Official index for North West; Terraced series; as of April 2026.*

- **1y growth (index):** 9.2%
- **5y growth (index):** 27.5%
- **10y growth (index):** 63.4%

## Rental Range

*ONS Price Index of Private Rents (North West). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £859/mo
- **Realistic:** £954/mo
- **Optimistic:** £1,049/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for North Cumbria (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Terraced House, Collingwood Street, CA2 | £800/mo | 2 | 0.44 miles | OpenRent |
| 2 Bed Penthouse, Shaddon Mill, CA2 | £800/mo | 2 | 0.67 miles | OpenRent |

**Average rent: £800/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.91% (okay)
- **Max investor price (0.8%):** £100,000
- **Target investor price (1%):** £80,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £800/mo).*

- **Gross yield:** 11%
- **Cost-to-rent:** 9.1×
- **Monthly cashflow:** £350/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 16.6%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 233 |
| Shoplifting | 72 |
| Public order | 70 |
| Criminal damage and arson | 39 |
| Drugs | 29 |
| Other theft | 27 |
| Anti-social behaviour | 17 |
| Burglary | 9 |
| Other crime | 9 |
| Possession of weapons | 8 |
| Vehicle crime | 5 |
| Bicycle theft | 4 |
| Robbery | 3 |
| Theft from the person | 3 |
| **Total incidents** | **528** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Robert Ferguson Primary School | Primary | 0.2 miles | Good — 19 Dec 2017 |
| The Bishop Harvey Goodwin School (Church of England Voluntary Aided) | Primary | 0.6 miles | Good — 9 Jun 2024 |
| St Margaret Mary Catholic Primary School, Carlisle | Primary | 0.8 miles | — (Inspected (no overall grade)) |
| Newlaithes Junior School | Primary | 0.8 miles | Good — 10 Mar 2020 |
| Gillford Centre | Other | 0.8 miles | Good — 14 Mar 2013 |