Sold STC Terraced

4 CARLTON GARDENS

CARLISLE, STANWIX, CUMBERLAND CA3 9NP

4 beds 2 baths 2,336 sq ft Listed 31 Jan 2025 (-495d)

£450,000

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# 4 bedroom terraced house for sale (CA3 9NP)

## Property Details

| Key | Value |
|-----|-------|
| Address | 4 CARLTON GARDENS, CARLISLE, STANWIX, CUMBERLAND CA3 9NP |
| Price | £450,000 |
| Bedrooms | 4 |
| Bathrooms | 2 |
| Council tax | D |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 217 m² |
| Last sold | £435,000 Aug 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Current heating cost:** £2,317/year
- **Est. upgrade cost to C:** £16,600

### Recommendations
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0360-2938-1490-2125-6685)

## Description

**Situation**

Situated in the Etterby area of Carlisle in the North of the City, this property is in an ideal location with M6 junction 44 and Northern bypass approx three miles away. Close to regular bus route to the City Centre.  Many local amenities with shops, gym, supermarkets, takeaways, restaurants and bars nearby. Local primary schools are Kingmoor and Stanwix.  Austin Friars is approx one mile away.

**IMPORTANT NOTE TO POTENTIAL PURCHASERS & TENANTS:**

We endeavour to make our particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. The services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All photographs and measurements have been taken as a guide only and are not precise. Floor plans where included are not to scale and accuracy is not guaranteed. If you require clarification or further information on any points, please contact us, especially if you are traveling some distance to view. POTENTIAL PURCHASERS: Fixtures and fittings other than those mentioned are to be agreed with the seller. POTENTIAL TENANTS: All properties are available for a minimum length of time, with the exception of short term accommodation. Please contact the branch for details. A security deposit of at least one month’s rent is required. Rent is to be paid one month in advance. It is the tenant’s responsibility to insure any personal possessions. Payment of all utilities including water rates or metered supply and Council Tax is the responsibility of the tenant in most cases.

CAR250038/2

## Property Photos

- ![Picture No. 20](/listings/photos/157630838/494476) - Picture No. 20
- ![External](/listings/photos/157630838/494477) - External
- ![Reception Room](/listings/photos/157630838/494479) - Reception Room
- ![Kitchen/Dining Room](/listings/photos/157630838/494482) - Kitchen/Dining Room
- ![Bathroom](/listings/photos/157630838/494488) - Bathroom
- ![External](/listings/photos/157630838/494489) - External
- ![External](/listings/photos/157630838/494490) - External
- ![Primary Bedroom](/listings/photos/157630838/494491) - Primary Bedroom
- ![Sitting Room](/listings/photos/157630838/494492) - Sitting Room
- ![Kitchen/Dining Room](/listings/photos/157630838/494493) - Kitchen/Dining Room
- ![Hall](/listings/photos/157630838/494494) - Hall
- ![Bedroom 3](/listings/photos/157630838/494501) - Bedroom 3
- ![En Suite](/listings/photos/157630838/494506) - En Suite
- ![External](/listings/photos/157630838/494509) - External
- ![External](/listings/photos/157630838/494516) - External

## Floorplans

- ![Floor Plan](/listings/photos/157630838/494518) - Floor Plan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/157630838/494524) - EPC Rating Graph

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #8929437
- **Address:** 4 Carlton Gardens, Stanwix, CA3 9NP
- **Certificate Issued:** 25/06/2012
- **Work Completed:** 18/05/2012
- **Items:** 14 window(s)

### FENSA Certificate #8929436
- **Address:** 4 Carlton Gardens, Stanwix, CA3 9NP
- **Certificate Issued:** 25/06/2012
- **Work Completed:** 18/05/2012
- **Items:** 14 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 4 CARLTON GARDENS, STANWIX, CARLISLE, CUMBERLAND, CA3 9NP | £435,000 | 22/08/2025 | 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 |
|---------|-------|------|------|
| THE COTTAGE STANWIX BANK, CARLISLE, CUMBERLAND, CA3 9AH | £250,000 | 05/12/2025 | Terraced |
| [Same street] 16 CARLTON GARDENS, STANWIX, CARLISLE, CUMBERLAND, CA3 9NP | £385,000 | 27/06/2025 | Terraced |
| 9 ETTERBY STREET, CARLISLE, CUMBERLAND, CA3 9JB | £270,000 | 10/11/2023 | Terraced |
| 12 THORNTON ROAD, CARLISLE, CUMBERLAND, CA3 9HZ | £270,000 | 23/10/2023 | Terraced |
| 80 ETTERBY STREET, CARLISLE, CUMBERLAND, CA3 9JD | £285,000 | 29/09/2023 | Terraced |
| 8 DEVONSHIRE TERRACE, CARLISLE, CUMBERLAND, CA3 9NB | £465,000 | 26/05/2023 | Terraced |
| [Same street] 14 CARLTON GARDENS, STANWIX, CARLISLE, CUMBERLAND, CA3 9NP | £535,000 | 15/03/2023 | Terraced |
| 4 DEVONSHIRE TERRACE, CARLISLE, CUMBERLAND, CA3 9NB | £565,000 | 20/02/2023 | Terraced |
| 47 ETTERBY STREET, CARLISLE, CUMBRIA, CA3 9JD | £268,000 | 15/12/2022 | Terraced |
| 27 EDEN PLACE, CARLISLE, CUMBRIA, CA3 9JQ | £119,000 | 09/12/2022 | Terraced |
| 59 SCOTLAND ROAD, CARLISLE, CUMBERLAND, CA3 9HT | £265,000 | 14/11/2022 | Terraced |
| [Same street] 15 CARLTON GARDENS, STANWIX, CARLISLE, CUMBRIA, CA3 9NP | £250,000 | 15/09/2022 | Semi-detached |
| 41 ETTERBY STREET, CARLISLE, CUMBRIA, CA3 9JD | £235,000 | 25/08/2022 | Terraced |
| [Same street] 1 CARLTON GARDENS, STANWIX, CARLISLE, CUMBRIA, CA3 9NP | £260,000 | 12/08/2022 | Semi-detached |
| 63 SCOTLAND ROAD, CARLISLE, CUMBRIA, CA3 9HT | £269,500 | 04/07/2022 | Terraced |
| 1 ETTERBY TERRACE, CARLISLE, CUMBRIA, CA3 9JE | £125,000 | 01/07/2022 | Terraced |
| 12 THORNTON ROAD, CARLISLE, CUMBRIA, CA3 9HZ | £215,000 | 23/06/2022 | Terraced |
| 10 THORNTON ROAD, CARLISLE, CUMBRIA, CA3 9HZ | £222,000 | 12/05/2022 | Terraced |
| 2 THORNTON ROAD, CARLISLE, CUMBRIA, CA3 9HZ | £245,000 | 11/02/2022 | Terraced |
| 4 CHURCH LANE, CARLISLE, CUMBRIA, CA3 9DP | £155,000 | 28/01/2022 | Terraced |
| 1 ETTERBY TERRACE, CARLISLE, CUMBRIA, CA3 9JE | £115,000 | 14/01/2022 | Terraced |
| THE COTTAGE STANWIX BANK, CARLISLE, CUMBRIA, CA3 9AH | £250,000 | 20/12/2021 | Terraced |
| 7 MULCASTER CRESCENT, CARLISLE, CUMBRIA, CA3 9EB | £255,000 | 11/11/2021 | Terraced |
| 15 BRAMPTON ROAD, CARLISLE, CUMBRIA, CA3 9AL | £149,995 | 18/10/2021 | Terraced |
| [Same street] 5 CARLTON GARDENS, STANWIX, CARLISLE, CUMBRIA, CA3 9NP | £286,000 | 27/09/2021 | Semi-detached |

**Street average:** £343,200 (5 sales)
**Area average:** £249,675 (20 sales)

## Price vs local average

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

- **Local average:** £241,125 (8 Terraced, CA3, 2024–2026)
- **Deviation:** +86.6%

## 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):** £738/mo

## 1% Rule

- **Rent ratio:** 0.21% (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:** £2,074/m²

## Capital growth trend

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

- **5y growth:** 63.8%
- **10y growth:** 42.6%

## 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)

Picture No. 20 External Reception Room Kitchen/Dining Room Bathroom External External Primary Bedroom Sitting Room Kitchen/Dining Room Hall Bedroom 3 En Suite External External

/ 15

Property details

Tenure

FREEHOLD

Floor area

217 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£435,000 Aug 2025

Price per m²

£2,074/m²

Local average

£241,125 (+86.6%)

Deprivation

Decile 10 (30,586 of 33,755)

Street crime

291 incidents within 1 mile (Apr 2026)

Key features

4 Bedrooms
Porch
WC
Reception Room
Sitting Room
Kitchen/Dining Room
Utility Room
Bicycle Store
En Suite
Bathroom

Additional details

Garden: Yes

Description

A beautifully presented four bedroom mid terrace family home, in a sought after location. The accommodation comprises of porch, hall, WC, reception room, sitting room, kitchen/diner, utility room, inner hallway and storage area to rear of property. To the next level are four double bedrooms, one with en-suite shower room, and a family bathroom. A further level offers a storage area in the loft. Externally is a front walled garden, to the rear is a patio, garden and shed for storage. There is on street parking. WELL PRESENTED FAMILY HOME, VIEWING HIGHLY RECOMMENDED. NO ONWARD CHAIN

Situation

Situated in the Etterby area of Carlisle in the North of the City, this property is in an ideal location with M6 junction 44 and Northern bypass approx three miles away. Close to regular bus route to the City Centre. Many local amenities with shops, gym, supermarkets, takeaways, restaurants and bars nearby. Local primary schools are Kingmoor and Stanwix. Austin Friars is approx one mile away.

IMPORTANT NOTE TO POTENTIAL PURCHASERS & TENANTS:
We endeavour to make our particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. The services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All photographs and measurements have been taken as a guide only and are not precise. Floor plans where included are not to scale and accuracy is not guaranteed. If you require clarification or further information on any points, please contact us, especially if you are traveling some distance to view. POTENTIAL PURCHASERS: Fixtures and fittings other than those mentioned are to be agreed with the seller. POTENTIAL TENANTS: All properties are available for a minimum length of time, with the exception of short term accommodation. Please contact the branch for details. A security deposit of at least one month’s rent is required. Rent is to be paid one month in advance. It is the tenant’s responsibility to insure any personal possessions. Payment of all utilities including water rates or metered supply and Council Tax is the responsibility of the tenant in most cases.

CAR250038/2

Listed by

Carlisle

LSL Franchise

Reference: 157630838

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 28/01/2025

Current heating cost: £2,317/year

Potential heating cost: £1,298/year

Est. upgrade cost to C: £16,600

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

Recommendations

Room-in-roof insulation (£1,500 - £2,700)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
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

Floor Plan

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 2 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #8929437

Property Details

Street: 4 Carlton Gardens

Town: Stanwix

Postcode: CA3 9NP

Installation Details

Items: 14 windows

Certificate Issued: 25/06/2012

Work Completed: 18/05/2012

This certificate data was retrieved from FENSA's database

FENSA Certificate #8929436

Property Details

Street: 4 Carlton Gardens

Town: Stanwix

Postcode: CA3 9NP

Installation Details

Items: 14 windows

Certificate Issued: 25/06/2012

Work Completed: 18/05/2012

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	22/08/2025 (9 months ago)	£435,000	—

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
THE COTTAGE STANWIX BANK, CARLISLE, CUMBERLAND, CA3 9AH	£250,000	05/12/2025	Terraced
Same street 16 CARLTON GARDENS, STANWIX, CARLISLE, CUMBERLAND, CA3 9NP	£385,000	27/06/2025	Terraced
9 ETTERBY STREET, CARLISLE, CUMBERLAND, CA3 9JB	£270,000	10/11/2023	Terraced
12 THORNTON ROAD, CARLISLE, CUMBERLAND, CA3 9HZ	£270,000	23/10/2023	Terraced
80 ETTERBY STREET, CARLISLE, CUMBERLAND, CA3 9JD	£285,000	29/09/2023	Terraced
8 DEVONSHIRE TERRACE, CARLISLE, CUMBERLAND, CA3 9NB	£465,000	26/05/2023	Terraced
Same street 14 CARLTON GARDENS, STANWIX, CARLISLE, CUMBERLAND, CA3 9NP	£535,000	15/03/2023	Terraced
4 DEVONSHIRE TERRACE, CARLISLE, CUMBERLAND, CA3 9NB	£565,000	20/02/2023	Terraced
47 ETTERBY STREET, CARLISLE, CUMBRIA, CA3 9JD	£268,000	15/12/2022	Terraced
27 EDEN PLACE, CARLISLE, CUMBRIA, CA3 9JQ	£119,000	09/12/2022	Terraced
59 SCOTLAND ROAD, CARLISLE, CUMBERLAND, CA3 9HT	£265,000	14/11/2022	Terraced
Same street 15 CARLTON GARDENS, STANWIX, CARLISLE, CUMBRIA, CA3 9NP	£250,000	15/09/2022	Semi-detached
41 ETTERBY STREET, CARLISLE, CUMBRIA, CA3 9JD	£235,000	25/08/2022	Terraced
Same street 1 CARLTON GARDENS, STANWIX, CARLISLE, CUMBRIA, CA3 9NP	£260,000	12/08/2022	Semi-detached
63 SCOTLAND ROAD, CARLISLE, CUMBRIA, CA3 9HT	£269,500	04/07/2022	Terraced
1 ETTERBY TERRACE, CARLISLE, CUMBRIA, CA3 9JE	£125,000	01/07/2022	Terraced
12 THORNTON ROAD, CARLISLE, CUMBRIA, CA3 9HZ	£215,000	23/06/2022	Terraced
10 THORNTON ROAD, CARLISLE, CUMBRIA, CA3 9HZ	£222,000	12/05/2022	Terraced
2 THORNTON ROAD, CARLISLE, CUMBRIA, CA3 9HZ	£245,000	11/02/2022	Terraced
4 CHURCH LANE, CARLISLE, CUMBRIA, CA3 9DP	£155,000	28/01/2022	Terraced
1 ETTERBY TERRACE, CARLISLE, CUMBRIA, CA3 9JE	£115,000	14/01/2022	Terraced
THE COTTAGE STANWIX BANK, CARLISLE, CUMBRIA, CA3 9AH	£250,000	20/12/2021	Terraced
7 MULCASTER CRESCENT, CARLISLE, CUMBRIA, CA3 9EB	£255,000	11/11/2021	Terraced
15 BRAMPTON ROAD, CARLISLE, CUMBRIA, CA3 9AL	£149,995	18/10/2021	Terraced
Same street 5 CARLTON GARDENS, STANWIX, CARLISLE, CUMBRIA, CA3 9NP	£286,000	27/09/2021	Semi-detached

Street average: £343,200 (5 sales)

Area average: £249,675 (20 sales)

Capital growth trend

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

5y growth 63.8%

10y growth 42.6%

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: £738/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA3 9NP

Nearby

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

Type	Name	Distance
Shop	Unknown	0.1 miles
Shop	Ben Stansfield	0.1 miles
Bus stop	Crown Stanwix	0.1 miles
Bus stop	Stanwix Car Park	0.1 miles
Train station	Carlisle	1.0 miles
University	University of Cumbria	1.2 miles
Hospital	Eden Valley Hospice	2.4 miles
Train station	Wetheral	4.5 miles
Hospital	Brampton War Memorial Hospital	8.7 miles

Street-level crime

Category	Count
Violence and sexual offences	97
Shoplifting	54
Public order	44
Criminal damage and arson	22
Drugs	20
Other theft	14
Anti-social behaviour	11
Vehicle crime	6
Burglary	5
Other crime	5
Robbery	5
Possession of weapons	3
Theft from the person	3
Bicycle theft	2
Total incidents	291

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
Stanwix School	Primary	0.1 miles	Good — 22 May 2013
Austin Friars	Other	0.5 miles	— (No rating)
Trinity School	Secondary	0.6 miles	— (Inspected (no overall grade))
University of Cumbria	Other	0.7 miles	— (No rating)
Progress Schools - Carlisle	Other	0.7 miles	Requires improvement — 18 Jun 2023

Rental Comparables

Loading rental comparables for this postcode. Refresh in a few minutes.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 0.21%

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).

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