# 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 |
| Last sold | £130,000 Feb 2026 |

## 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. 

## Property Photos

- ![Photo](/listings/photos/166699568/456331)
- ![Photo](/listings/photos/166699568/456332)
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- ![Photo](/listings/photos/166699568/456360)
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- ![Photo](/listings/photos/166699568/456382)
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## 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 |
| 54 THOMSON STREET, CARLISLE, CUMBERLAND, CA1 2LW | £89,000 | 28/04/2023 | Terraced |
| 31 ALEXANDER STREET, CARLISLE, CUMBERLAND, CA1 2LH | £95,000 | 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

## 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 |
|------|------|------|------|------|
| 3 Bed Terraced House, Garden Street, CA1 | £750/mo | 3 | 0.29 miles | OpenRent |

**Average rent: £750/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.58% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 6.9%
- **Cost-to-rent:** 14.4×
- **Monthly cashflow:** £138/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4.4%

*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).*

## Capital growth trend

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

- **5y growth:** 3.1%
- **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)