Sold STC Flat

Flat 17

SPENCER HOUSE, ST PAULS SQUARE, CARLISLE, CUMBERLAND CA1 1AE

2 beds 1 baths 58 m² Listed 22 Jul 2025 (-363d)

£75,000

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# 2 bedroom flat for sale (CA1 1AE)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 17, SPENCER HOUSE, ST PAULS SQUARE, CARLISLE, CUMBERLAND CA1 1AE |
| Price | £75,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | C |
| Last sold | £75,000 Oct 2025 |

## Description

**Situation**

Located in the centre of the city, close to many amenities, including shops, bars, restaurants, banks, GP surgeries, dentists.

**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.

CAR250507/2

## Property Photos

- ![External](/listings/photos/164814449/836312) - External
- ![External](/listings/photos/164814449/836313) - External
- ![Entrance Hall](/listings/photos/164814449/836314) - Entrance Hall
- ![Entrance Hall](/listings/photos/164814449/836315) - Entrance Hall
- ![Living Room](/listings/photos/164814449/836316) - Living Room
- ![Living Room](/listings/photos/164814449/836317) - Living Room
- ![Kitchen](/listings/photos/164814449/836318) - Kitchen
- ![Primary Bedroom](/listings/photos/164814449/836319) - Primary Bedroom
- ![Bedroom 2](/listings/photos/164814449/836320) - Bedroom 2
- ![Bathroom](/listings/photos/164814449/836321) - Bathroom

## Floorplans

- ![Floor Plan](/listings/photos/164814449/836322) - Floor Plan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/164814449/836323) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| SPENCER HOUSE FLAT 17 ST PAULS SQUARE, CARLISLE, CUMBERLAND, CA1 1AE | £75,000 | 31/10/2025 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 60 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1DR | £180,000 | 04/04/2023 | Flat |
| SPENCER HOUSE FLAT 17 ST PAULS SQUARE, CARLISLE, CUMBRIA, CA1 1AE | £64,000 | 23/05/2022 | Flat |
| 3 APARTMENT 2 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1AG | £190,000 | 22/03/2022 | Flat |
| 3 APARTMENT 1 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1AG | £190,000 | 18/03/2022 | Flat |
| 3 APARTMENT 3 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1AG | £175,000 | 18/03/2022 | Flat |
| 3 APARTMENT 4 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £175,000 | 18/03/2022 | Flat |
| 3 APARTMENT 5 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £395,000 | 18/03/2022 | Flat |
| 5 APARTMENT 3 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £250,000 | 07/01/2022 | Flat |
| 5 APARTMENT 4 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £295,000 | 17/12/2021 | Flat |
| 5 APARTMENT 2 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £275,000 | 17/12/2021 | Flat |
| 37 FLAT 4 LONSDALE STREET, CARLISLE, CUMBRIA, CA1 1BJ | £89,000 | 02/12/2021 | Flat |

**Area average:** £207,091 (11 sales)

## Price vs local average

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

- **Local average:** £119,172 (11 Flat, CA1, 2024–2026)
- **Deviation:** -37.1%

## 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).*

- **LHA floor (this property size):** £474/mo

## 1% Rule

- **Rent ratio:** 1.27% (strong)
- **Max investor price (0.8%):** £119,250
- **Target investor price (1%):** £95,400

*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.*

## Capital growth trend

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

- **5y growth:** 21.1%
- **10y growth:** 60.6%

## House Price Index (HM Land Registry)

*Official index for North West; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** 3.7%
- **5y growth (index):** 12.9%
- **10y growth (index):** 43.4%

## 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)

External External Entrance Hall Entrance Hall Living Room Living Room Kitchen Primary Bedroom Bedroom 2 Bathroom

/ 10

Property details

Tenure

LEASEHOLD

Floor area

58 m²

Council tax band

Last sold

£75,000 Oct 2025

Local average

£119,172 (-37.1%)

Deprivation

Decile 2 (4,552 of 33,755)

Street crime

506 incidents within 1 mile (May 2026)

Key features

2 Bedrooms
Entrance Hall
Living Room
Kitchen
Bathroom
External
Additional

Additional details

Parking: Yes

Description

Ideally located for the City Centre is this two bedroom flat in Spencer House on St Paul's Square. The accommodation offers entrance hallway, living room, kitchen, two bedrooms and a family bathroom. NO ONWARD CHAIN, IDEAL FOR FIRST TIME BUYER OR INVESTMENT OPPORTUNITY.

Situation

Located in the centre of the city, close to many amenities, including shops, bars, restaurants, banks, GP surgeries, dentists.

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.

CAR250507/2

Listed by

Carlisle

LSL Franchise

Reference: 164814449

EPC ratings on this postcode

We don't have a matched EPC for this property yet. Below are efficiency scores and details for other addresses on this postcode.

Address	Current	Potential	Floor area	Age band	Type
FLAT 17, SPENCER HOUSE, ST PAULS SQUARE, CARLISLE	74	77	58 m²	England and Wales: 1996-2002	Flat

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floor Plan

EPC Graphs

EPC Rating Graph

Price history

Event	Date	Price	% change
Sold	31/10/2025 (8 months ago)	£75,000	—

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
60 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1DR	£180,000	04/04/2023	Flat
SPENCER HOUSE FLAT 17 ST PAULS SQUARE, CARLISLE, CUMBRIA, CA1 1AE	£64,000	23/05/2022	Flat
3 APARTMENT 2 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1AG	£190,000	22/03/2022	Flat
3 APARTMENT 1 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1AG	£190,000	18/03/2022	Flat
3 APARTMENT 3 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1AG	£175,000	18/03/2022	Flat
3 APARTMENT 4 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG	£175,000	18/03/2022	Flat
3 APARTMENT 5 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG	£395,000	18/03/2022	Flat
5 APARTMENT 3 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG	£250,000	07/01/2022	Flat
5 APARTMENT 4 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG	£295,000	17/12/2021	Flat
5 APARTMENT 2 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG	£275,000	17/12/2021	Flat
37 FLAT 4 LONSDALE STREET, CARLISLE, CUMBRIA, CA1 1BJ	£89,000	02/12/2021	Flat

Area average: £207,091 (11 sales)

Capital growth trend

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

5y growth 21.1%

10y growth 60.6%

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

1y (index) 3.7%

5y (index) 12.9%

10y (index) 43.4%

Rental Range

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

Low £859/mo

Realistic £954/mo

Optimistic £1,049/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for North Cumbria: £474/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA1 1AE

Address

St Pauls Square

Nearby

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

Type	Name	Distance
Shop	Studio 32	0.0 miles
Shop	Vaportorium	0.0 miles
Bus stop	Carlisle Bus Stn Bay 6	0.1 miles
Bus stop	Carlisle Bus Stn Bay 5	0.1 miles
Train station	Carlisle	0.3 miles
University	University of Cumbria	0.4 miles
Hospital	Eden Valley Hospice	1.6 miles
Train station	Wetheral	4.0 miles
Hospital	Wigton Hospital	10.5 miles

Street-level crime

Category	Count
Violence and sexual offences	203
Shoplifting	77
Public order	68
Other theft	33
Criminal damage and arson	31
Drugs	28
Anti-social behaviour	17
Burglary	10
Other crime	10
Vehicle crime	9
Possession of weapons	7
Bicycle theft	6
Robbery	4
Theft from the person	3
Total incidents	506

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. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Progress Schools - Carlisle	Other	0.1 miles	Requires improvement — 18 Jun 2023
Trinity School	Secondary	0.2 miles	— (Inspected (no overall grade))
Richard Rose Central Academy	Secondary	0.3 miles	Requires improvement — 9 Oct 2022
University of Cumbria	Other	0.4 miles	— (No rating)
Brook Street Primary School	Primary	0.5 miles	Good — 6 Mar 2012

Rental Comparables

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

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 1.27%

Max investor price (0.8%) £119,250

Target investor price (1%) £95,400

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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