# 2 bedroom semi-detached house for sale (CA1 2WB) ## Property Details | Key | Value | |-----|-------| | Address | 12 FINCH CLOSE, CARLISLE, CUMBERLAND CA1 2WB | | Price | £155,000 | | Bedrooms | 2 | | Bathrooms | 1 | | Council tax | B | | Construction age | England and Wales: 2003-2006 | | Floor area | 69 m² | | Last sold | £147,500 Dec 2024 | ## EPC Rating & Upgrade Cost - **Current rating:** C - **Potential rating:** B - **Expiry date:** 02/06/2034 - **Current heating cost:** £765/year - **Est. upgrade cost to C:** £12,325 ### Recommendations - A (£100 - £350) - I (£2,200 - £3,000) - 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/0777-3038-5206-7704-6204) ## Description Welcome to 12 Finch Close, an impeccably maintained two-bedroom, semi-detached home nestled within a quiet cul-de-sac. This charming abode represents the ideal acquisition for the discerning first-time buyer eager to ascend the property ladder or those wishing to downsize. QUOTE AP0121 Upon arrival, the residence greets you with a generous driveway offering ample parking. The secure gated access ensures privacy and leads to a standalone garage, perfect for additional storage or securing your vehicle away from the elements. The interior of the property boasts an inviting and attractive main living room, a space that exudes warmth and comfort, ideal for relaxing evenings or entertaining guests.  The well-appointed kitchen, designed with practicality in mind, comes equipped with all the necessities to inspire culinary exploits. Further enhancing the living space is a sun-drenched conservatory, which opens out to the landscaped rear garden, which promises to be a haven of peace throughout the changing seasons. On the first floor, there are two attractively presented bedrooms and a particularly well-appointed shower room. Set in a super convenient location, 12 Finch Close benefits from the close proximity to a myriad of local amenities, ensuring that all your day-to-day needs are within easy reach. Whether it’s shopping, dining, or leisure, this property's advantageous situation caters to a convenient and enjoyable lifestyle. Poised to capture the hearts of those embarking on their homeownership journey or seeking a more manageable dwelling, this gem of a property is a must-see. Arrange your viewing today and step into your future at 12 Finch Close. EPC Rating: C Council Tax Band: B Tenure - Freehold. **Misrepresentation Act 1967** - These particulars, whilst believed to be accurate, are set out for guidance only and do not constitute any part of an offer or contract - intending purchasers should not rely on them as statements or representations of fact but must satisfy themselves by inspection or otherwise as to their accuracy. All electrical appliances mentioned in these details have not been tested and therefore cannot be guaranteed to be in working order.   ## Property Photos - ![Photo](/listings/photos/148444727/524733) - ![Photo](/listings/photos/148444727/524734) - ![Photo](/listings/photos/148444727/524735) - ![Photo](/listings/photos/148444727/524736) - ![Photo](/listings/photos/148444727/524737) - ![Photo](/listings/photos/148444727/524738) - ![Photo](/listings/photos/148444727/524739) - ![Photo](/listings/photos/148444727/524740) - ![Photo](/listings/photos/148444727/524741) - ![Photo](/listings/photos/148444727/524742) - ![Photo](/listings/photos/148444727/524743) - ![Photo](/listings/photos/148444727/524744) - ![Photo](/listings/photos/148444727/524745) - ![Photo](/listings/photos/148444727/524746) - ![Photo](/listings/photos/148444727/524747) - ![Photo](/listings/photos/148444727/524748) - ![Photo](/listings/photos/148444727/524749) - ![Photo](/listings/photos/148444727/524750) - ![Photo](/listings/photos/148444727/524751) - ![Photo](/listings/photos/148444727/524752) ## Floorplans - ![Floorplan 1](/listings/photos/148444727/524753) - Floorplan 1 ## EPC Graphs - ![EPC 1](/listings/photos/148444727/524754) - EPC 1 - ![EPC 2](/listings/photos/148444727/524755) - EPC 2 ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 12 FINCH CLOSE, CARLISLE, CUMBERLAND, CA1 2WB | £147,500 | 20/12/2024 | Semi-detached | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | 88 MERITH AVENUE, CARLISLE, CUMBERLAND, CA1 2TP | £110,000 | 12/01/2026 | Semi-detached | | 55 RIVERSIDE WAY, CARLISLE, CUMBERLAND, CA1 2DZ | £130,000 | 28/11/2025 | Semi-detached | | 18 RIVERSIDE WAY, CARLISLE, CUMBERLAND, CA1 2DZ | £130,000 | 30/10/2023 | Semi-detached | | 62 MERITH AVENUE, CARLISLE, CUMBERLAND, CA1 2TP | £95,000 | 26/05/2023 | Semi-detached | | 11 FALCON MEWS, CARLISLE, CUMBERLAND, CA1 2WE | £142,500 | 11/05/2023 | Semi-detached | | [Same street] 9 FINCH CLOSE, CARLISLE, CUMBERLAND, CA1 2WB | £110,000 | 14/04/2023 | Terraced | | 120 ENNERDALE AVENUE, CARLISLE, CUMBRIA, CA1 2TR | £135,000 | 16/12/2022 | Semi-detached | | 7 VICTORIA ROAD, CARLISLE, CUMBRIA, CA1 2UE | £130,000 | 02/12/2022 | Semi-detached | | 63A WALKMILL CRESCENT, CARLISLE, CUMBRIA, CA1 2WF | £178,000 | 20/10/2022 | Semi-detached | | 61A WALKMILL CRESCENT, CARLISLE, CUMBRIA, CA1 2WF | £140,000 | 30/08/2022 | Semi-detached | | 2 MERITH AVENUE, CARLISLE, CUMBRIA, CA1 2TP | £80,000 | 15/07/2022 | Semi-detached | | 14 RIVERSIDE WAY, CARLISLE, CUMBRIA, CA1 2DZ | £67,500 | 07/06/2022 | Semi-detached | | 13 WILLOW PARK, CARLISLE, CUMBRIA, CA1 2UB | £98,000 | 17/05/2022 | Semi-detached | | 38 MERITH AVENUE, CARLISLE, CUMBRIA, CA1 2TP | £88,000 | 13/05/2022 | Semi-detached | | 11 VICTORIA ROAD, CARLISLE, CUMBRIA, CA1 2UE | £90,000 | 13/05/2022 | Semi-detached | | 35 WILLOW PARK, CARLISLE, CUMBRIA, CA1 2UB | £80,000 | 11/05/2022 | Semi-detached | | 19 FALCON MEWS, CARLISLE, CUMBRIA, CA1 2WE | £115,000 | 10/05/2022 | Semi-detached | | 29 RIVERSIDE WAY, CARLISLE, CUMBRIA, CA1 2DZ | £220,000 | 29/04/2022 | Semi-detached | | 84 MERITH AVENUE, CARLISLE, CUMBRIA, CA1 2TP | £72,000 | 22/04/2022 | Semi-detached | | 94 MERITH AVENUE, CARLISLE, CUMBRIA, CA1 2TP | £74,500 | 24/03/2022 | Semi-detached | | 27 WILLOW PARK, CARLISLE, CUMBRIA, CA1 2UB | £99,950 | 22/03/2022 | Semi-detached | | [Same street] 15 FINCH CLOSE, CARLISLE, CUMBRIA, CA1 2WB | £120,000 | 17/12/2021 | Semi-detached | **Street average:** £115,000 (2 sales) **Area average:** £113,773 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £182,976 (34 Semi-detached, CA1, 2024–2026) - **Deviation:** -15.3% ## 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):** £474/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 | |------|------|------|------|------| | 2 Bed Semi-Detached House, Ennerdale Avenue, CA1 | £850/mo | 2 | 0.11 miles | OpenRent | | 2 Bed Flat, Chertsey Mount, CA1 | £675/mo | 2 | 0.63 miles | OpenRent | | 2 Bed Terraced House, Oswald Street, CA1 | £795/mo | 2 | 0.64 miles | OpenRent | **Average rent: £773/mo (3 listings)** ## 1% Rule - **Rent ratio:** 0.51% (weak for cashflow) - **Max investor price (0.8%):** £99,375 - **Target investor price (1%):** £79,500 *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 £795/mo).* - **Gross yield:** 6.2% - **Cost-to-rent:** 16.2× - **Monthly cashflow:** £80/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 2.1% *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).* ## Price per Square Metre - **£/m²:** £2,246/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 48.5% - **10y growth:** 49.2% ## House Price Index (HM Land Registry) *Official index for North West; Semi-detached series; as of March 2026.* - **1y growth (index):** 0.7% - **5y growth (index):** 24.5% - **10y growth (index):** 66.9% ## 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)