# 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 |
| Construction age | England and Wales: 1996-2002 |
| Floor area | 58 m² |
| Last sold | £75,000 Oct 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 21/09/2030
- **Current heating cost:** £418/year
- **Est. upgrade cost to C:** £1,500

### Recommendations
- L2 (£1,200 - £1,800)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2228-3000-1201-6760-0200)

## 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

## 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 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 |
| 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 |
| 5 APARTMENT 3 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £250,000 | 07/01/2022 | Flat |
| 5 APARTMENT 2 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £275,000 | 17/12/2021 | Flat |
| 5 APARTMENT 4 PORTLAND SQUARE, CARLISLE, CUMBRIA, CA1 1AG | £295,000 | 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.*

## Price per Square Metre

- **£/m²:** £1,293/m²

## Capital growth trend

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

- **5y growth:** 3.1%
- **10y growth:** 109.5%

## 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)