Sold STC Terraced

3 SUMMERHILL

CARLISLE, CUMBERLAND CA1 2NW

3 beds 1 baths 1,066 sq ft Listed 8 Sep 2025 (-278d)

£130,000

Save

# 3 bedroom terraced house for sale (CA1 2NW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 SUMMERHILL, CARLISLE, CUMBERLAND CA1 2NW |
| Price | £130,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 99 m² |
| Last sold | £130,000 Feb 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 25/11/2032
- **Current heating cost:** £752/year
- **Est. upgrade cost to C:** £19,920

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- E (£20)
- G (£350 - £450)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2516-9014-6901-1411-9843)

## Description

**** **** Spacious Victorian mid terrace, retaining many period features, in a convenient location to the south of the city within walking distance of a wide range of amenities and public transport.

**APPROXIMATE** **MILEAGES** **** supermarket 0.3 | city centre 0.8 | M6 motorway 2.5 | Penrith 18

**WHY** **SUMMERHILL?** **** Ideally located for access to the city centre, local amenities, public transport and the main road network the property is ideal for a variety of buyers. Just a short walk from a supermarket and the city centre beyond as well as a number of other shops, takeaways and bars. The wider region is also readily accessible with the train station being just a few minutes walk, a bus stop being on the doorstep and the M6 motorway just a few minutes drive from the property. Raised above London Road the property has a leafy outlook to the front and backs on to a quiet side street at the rear.

**ACCOMMODATION** **** Offered in good order throughout benefiting from high ceilings and retaining a wealth of period features the property has two large reception rooms, with one currently utilised as a living room and the second, at the rear, a dining space due to its proximity to the kitchen. The kitchen has modern fitted units and is complemented by an additional utility space in the rear hallway. The bathroom, at the rear of the property on the ground floor, is spacious and has a shower over the bath. On the first floor there are three bedrooms, the largest of which is at the front of the property. The second and third bedrooms overlook the rear yard. The rear yard, which has gated access to the road behind where there is ample parking, is a mixture of paving and gravel with raised planters.

## Property Photos

- ![Photo](/listings/photos/166699568/456331)
- ![Photo](/listings/photos/166699568/456332)
- ![Photo](/listings/photos/166699568/456340)
- ![Photo](/listings/photos/166699568/456344)
- ![Photo](/listings/photos/166699568/456346)
- ![Photo](/listings/photos/166699568/456354)
- ![Photo](/listings/photos/166699568/456360)
- ![Photo](/listings/photos/166699568/456363)
- ![Photo](/listings/photos/166699568/456370)
- ![Photo](/listings/photos/166699568/456377)
- ![Photo](/listings/photos/166699568/456382)
- ![Photo](/listings/photos/166699568/456386)

## Floorplans

- ![Floorplan 1](/listings/photos/166699568/456391) - Floorplan 1

## EPC Graphs

- ![EPC Front Page](/listings/photos/166699568/456394) - EPC Front Page

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 SUMMERHILL, CARLISLE, CUMBERLAND, CA1 2NW | £130,000 | 27/02/2026 | Terraced |
| 3 SUMMERHILL, CARLISLE, CUMBERLAND, CA1 2NW | £117,000 | 24/10/2023 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 11 TREVOR STREET, CARLISLE, CUMBERLAND, CA1 2NJ | £125,000 | 15/12/2025 | Terraced |
| 13 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW | £103,500 | 12/12/2025 | Terraced |
| 5 LINDISFARNE COURT, CARLISLE, CUMBERLAND, CA1 2NE | £85,000 | 10/12/2025 | Terraced |
| 55 OSWALD STREET, CARLISLE, CUMBERLAND, CA1 2LU | £104,000 | 20/11/2025 | Terraced |
| 5 OSWALD STREET, CARLISLE, CUMBERLAND, CA1 2LX | £97,000 | 10/11/2025 | Terraced |
| 36 BROOK STREET, CARLISLE, CUMBERLAND, CA1 2HY | £95,000 | 10/07/2025 | Terraced |
| 8 LINDISFARNE COURT, CARLISLE, CUMBERLAND, CA1 2NE | £107,500 | 28/03/2025 | Terraced |
| 50 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW | £88,500 | 20/12/2023 | Terraced |
| 14 TRAMSIDE WAY, CARLISLE, CUMBERLAND, CA1 2FH | £176,000 | 08/12/2023 | Terraced |
| 16 TRAMSIDE WAY, CARLISLE, CUMBERLAND, CA1 2FH | £182,000 | 08/12/2023 | Terraced |
| 63A LINDISFARNE STREET, CARLISLE, CUMBERLAND, CA1 2NB | £80,000 | 17/11/2023 | Terraced |
| 26 ALEXANDER STREET, CARLISLE, CUMBERLAND, CA1 2LH | £73,000 | 20/10/2023 | Terraced |
| [Same street] 11 SUMMERHILL, CARLISLE, CUMBERLAND, CA1 2NW | £137,250 | 06/10/2023 | Terraced |
| 25 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW | £88,000 | 29/09/2023 | Terraced |
| 3 ALEXANDER STREET, CARLISLE, CUMBERLAND, CA1 2LH | £85,000 | 29/08/2023 | Terraced |
| 75 LINDISFARNE STREET, CARLISLE, CUMBERLAND, CA1 2NB | £115,000 | 04/08/2023 | Terraced |
| 18 DELAGOA STREET, CARLISLE, CUMBERLAND, CA1 2LZ | £48,000 | 23/06/2023 | Terraced |
| 39 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW | £51,000 | 06/06/2023 | Terraced |
| 31 ALEXANDER STREET, CARLISLE, CUMBERLAND, CA1 2LH | £95,000 | 28/04/2023 | Terraced |
| 54 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW | £89,000 | 28/04/2023 | Terraced |
| 64 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW | £95,000 | 24/04/2023 | Terraced |
| [Same street] 4 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW | £96,000 | 13/12/2022 | Terraced |
| [Same street] 9 SUMMERHILL, CARLISLE, CUMBERLAND, CA1 2NW | £125,000 | 21/10/2022 | Terraced |
| [Same street] 4 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW | £88,000 | 23/05/2022 | Terraced |
| [Same street] 19 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW | £125,000 | 28/01/2022 | Terraced |
| [Same street] 13 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW | £132,000 | 28/01/2022 | Terraced |
| [Same street] 6 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW | £64,000 | 24/09/2021 | Terraced |

**Street average:** £109,607 (7 sales)
**Area average:** £99,125 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £123,128 (49 Terraced, CA1, 2024–2026)
- **Deviation:** +5.6%

## Rental Range

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

- **Low:** £856/mo
- **Realistic:** £951/mo
- **Optimistic:** £1,046/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £588/mo

## 1% Rule

- **Rent ratio:** 0.73% (weak for cashflow)
- **Max investor price (0.8%):** £118,875
- **Target investor price (1%):** £95,100

*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 Area rent estimate.*

## Price per Square Metre

- **£/m²:** £1,313/m²

## Capital growth trend

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

- **5y growth:** 2.9%
- **10y growth:** 24.4%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -1%
- **5y growth (index):** 24.4%
- **10y growth (index):** 69.9%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

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

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8 Photo 9 Photo 10 Photo 11 Photo 12

/ 12

Property details

Tenure

FREEHOLD

Floor area

99 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£130,000 Feb 2026

Price per m²

£1,313/m²

Local average

£123,128 (+5.6%)

Deprivation

Decile 6 (17,617 of 33,755)

Street crime

475 incidents within 1 mile (Apr 2026)

Additional details

Electricity: Mains supply
Broadband: FTTC (fibre to the cabinet)
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: On street
Garden: Yes

Description

** Spacious Victorian mid terrace, retaining many period features, in a convenient location to the south of the city within walking distance of a wide range of amenities and public transport.

entrance hallway | sitting room | dining room | kitchen | rear hall/utility space | ground floor bathroom | three bedrooms | rear yard | double glazing | gas central heating | mains water, electricity and drainage | ultrafast broadband available | on street parking to rear | EPC D | council tax band A | freehold

APPROXIMATE MILEAGES supermarket 0.3 | city centre 0.8 | M6 motorway 2.5 | Penrith 18

WHY SUMMERHILL? Ideally located for access to the city centre, local amenities, public transport and the main road network the property is ideal for a variety of buyers. Just a short walk from a supermarket and the city centre beyond as well as a number of other shops, takeaways and bars. The wider region is also readily accessible with the train station being just a few minutes walk, a bus stop being on the doorstep and the M6 motorway just a few minutes drive from the property. Raised above London Road the property has a leafy outlook to the front and backs on to a quiet side street at the rear.

ACCOMMODATION ** Offered in good order throughout benefiting from high ceilings and retaining a wealth of period features the property has two large reception rooms, with one currently utilised as a living room and the second, at the rear, a dining space due to its proximity to the kitchen. The kitchen has modern fitted units and is complemented by an additional utility space in the rear hallway. The bathroom, at the rear of the property on the ground floor, is spacious and has a shower over the bath. On the first floor there are three bedrooms, the largest of which is at the front of the property. The second and third bedrooms overlook the rear yard. The rear yard, which has gated access to the road behind where there is ample parking, is a mixture of paving and gravel with raised planters.

Listed by

Carlisle

Hayward Tod Associates Ltd

Reference: 166699568

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 26/11/2022

Expiry date: 25/11/2032

Current heating cost: £752/year

Potential heating cost: £561/year

Est. upgrade cost to C: £19,920

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Low energy lighting for all fixed outlets (£20)
Upgrade heating controls (£350 - £450)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC Front Page

Price history

11% since 2023

Event	Date	Price	% change
Sold	27/02/2026 (3 months ago)	£130,000	+11.1%
Sold	24/10/2023 (2 years ago)	£117,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
11 TREVOR STREET, CARLISLE, CUMBERLAND, CA1 2NJ	£125,000	15/12/2025	Terraced
13 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW	£103,500	12/12/2025	Terraced
5 LINDISFARNE COURT, CARLISLE, CUMBERLAND, CA1 2NE	£85,000	10/12/2025	Terraced
55 OSWALD STREET, CARLISLE, CUMBERLAND, CA1 2LU	£104,000	20/11/2025	Terraced
5 OSWALD STREET, CARLISLE, CUMBERLAND, CA1 2LX	£97,000	10/11/2025	Terraced
36 BROOK STREET, CARLISLE, CUMBERLAND, CA1 2HY	£95,000	10/07/2025	Terraced
8 LINDISFARNE COURT, CARLISLE, CUMBERLAND, CA1 2NE	£107,500	28/03/2025	Terraced
50 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW	£88,500	20/12/2023	Terraced
14 TRAMSIDE WAY, CARLISLE, CUMBERLAND, CA1 2FH	£176,000	08/12/2023	Terraced
16 TRAMSIDE WAY, CARLISLE, CUMBERLAND, CA1 2FH	£182,000	08/12/2023	Terraced
63A LINDISFARNE STREET, CARLISLE, CUMBERLAND, CA1 2NB	£80,000	17/11/2023	Terraced
26 ALEXANDER STREET, CARLISLE, CUMBERLAND, CA1 2LH	£73,000	20/10/2023	Terraced
Same street 11 SUMMERHILL, CARLISLE, CUMBERLAND, CA1 2NW	£137,250	06/10/2023	Terraced
25 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW	£88,000	29/09/2023	Terraced
3 ALEXANDER STREET, CARLISLE, CUMBERLAND, CA1 2LH	£85,000	29/08/2023	Terraced
75 LINDISFARNE STREET, CARLISLE, CUMBERLAND, CA1 2NB	£115,000	04/08/2023	Terraced
18 DELAGOA STREET, CARLISLE, CUMBERLAND, CA1 2LZ	£48,000	23/06/2023	Terraced
39 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW	£51,000	06/06/2023	Terraced
31 ALEXANDER STREET, CARLISLE, CUMBERLAND, CA1 2LH	£95,000	28/04/2023	Terraced
54 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW	£89,000	28/04/2023	Terraced
64 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW	£95,000	24/04/2023	Terraced
Same street 4 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW	£96,000	13/12/2022	Terraced
Same street 9 SUMMERHILL, CARLISLE, CUMBERLAND, CA1 2NW	£125,000	21/10/2022	Terraced
Same street 4 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW	£88,000	23/05/2022	Terraced
Same street 19 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW	£125,000	28/01/2022	Terraced
Same street 13 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW	£132,000	28/01/2022	Terraced
Same street 6 SUMMERHILL, CARLISLE, CUMBRIA, CA1 2NW	£64,000	24/09/2021	Terraced

Street average: £109,607 (7 sales)

Area average: £99,125 (20 sales)

Capital growth trend

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

5y growth 2.9%

10y growth 24.4%

House Price Index (HM Land Registry — official index, not sold-price averages): North West. Series: Terraced. As of March 2026.

1y (index) -1%

5y (index) 24.4%

10y (index) 69.9%

Rental Range

Estimated market rent for North West. Low = conservative, Realistic = average, Optimistic = best case.

Low £856/mo

Realistic £951/mo

Optimistic £1,046/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for North Cumbria: £588/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA1 2NW

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Tyne Street out	0.0 miles
Bus stop	Hilltop Heights	0.1 miles
Shop	Northern Sun	0.2 miles
Shop	Halfords Autocentre	0.2 miles
University	University of Cumbria	0.4 miles
Train station	Carlisle	0.7 miles
Hospital	Eden Valley Hospice	1.1 miles
Train station	Wetheral	3.4 miles
Hospital	Brampton War Memorial Hospital	8.5 miles

Street-level crime

Category	Count
Violence and sexual offences	191
Shoplifting	59
Public order	48
Criminal damage and arson	40
Drugs	37
Other theft	25
Anti-social behaviour	15
Vehicle crime	15
Other crime	13
Burglary	10
Possession of weapons	9
Robbery	5
Theft from the person	5
Bicycle theft	3
Total incidents	475

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

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Brook Street Primary School	Primary	0.3 miles	Good — 6 Mar 2012
Norman Street Primary School	Primary	0.4 miles	Good — 6 Jan 2019
The Bishop Harvey Goodwin School (Church of England Voluntary Aided)	Primary	0.4 miles	Good — 9 Jun 2024
Gillford Centre	Other	0.7 miles	Good — 14 Mar 2013
St Margaret Mary Catholic Primary School, Carlisle	Primary	0.7 miles	— (Inspected (no overall grade))

Rental Comparables

Rental comparables are temporarily unavailable while listing-site fetches are paused. Try again later.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 0.73%

Max investor price (0.8%) £118,875

Target investor price (1%) £95,100

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).