# 3 bedroom end of terrace house for sale (CA1 2BP) ## Property Details | Key | Value | |-----|-------| | Address | 21 HART STREET, CARLISLE, CUMBERLAND CA1 2BP | | Price | £250,000 | | Bedrooms | 3 | | Bathrooms | 1 | | Council tax | B | | Last sold | £230,000 Feb 2026 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** C - **Expiry date:** 23/05/2034 - **Current heating cost:** £2,347/year - **Est. upgrade cost to C:** £19,500 ### Recommendations - Q (£4,000 - £14,000) - W1 (£800 - £1,200) - 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/0390-2964-6350-2324-2831) ## Description Discover timeless elegance and modern comfort on tree-lined Hart Street…Welcome to Number 21, an exquisite three-bedroom end-of-terrace family home located just a stone’s throw away from the vibrant city centre of Carlisle. This home is a testament to timeless elegance, boasting an abundance of original features and high ceilings that enhance the spaciousness and charm of this period property - **QUOTE LI0465.** Number 21 beautifully marries its historical architecture with modern amenities. The decorative coving, fireplaces, and bay window retain the character of the property, while the inclusion of modern fixtures and high-quality appliances ensures convenience and luxury. If you love high ceilings and rooms with bags of space for you and the family, then this is a property not to be missed! Additional features include UPVC double glazing and efficient gas central heating, providing comfort and energy savings. The current owners have lovingly and sympathetically restored this home to its former glory, ready for its next chapter with new occupants.  Upon arrival, you'll be captivated by the home's impressive façade and inviting entrance.  As you open the front door, you are greeted by a grand entrance hallway that sets the stage for what lies within. The hallway features a stunning staircase leading to the first floor, illuminated by a large skylight that bathes the space in natural light. The heart of the home is the open-plan living and dining room, a versatile space that could be separated if desired. This area offers a cosy living environment on one side, highlighted by a charming bay window, while the other side serves as a delightful dining area with access through a UPVC door to the courtyard garden. This seamless flow between indoor and outdoor living is perfect for entertaining or simply relaxing with family. At the end of the hallway, a modern and well-appointed kitchen awaits, featuring an extensive range of fitted units and ample countertops. Designed with functionality in mind, it offers space for all necessary appliances and includes a stable UPVC door, making it a chef’s dream and an inspiring space to create culinary delights for family and friends. As you ascend to the first floor, you will find three generously sized bedrooms, each filled with an abundance of natural light and plenty of space for various furniture arrangements.  The spaciousness and charm continue in the outstanding bathroom, a true showstopper featuring a floor-standing bath perfect for unwinding after a long day. A freestanding shower adds convenience, while a modern sink and WC complete this luxurious space. Adjacent to the bathroom is a versatile storage room, originally a bathroom before the renovation. This room retains all the plumbing and pipework, allowing for effortless conversion back to a shower room if desired. Alternatively, it offers ample potential as a storage room, home office, or even a playroom for children—the possibilities are endless. The exterior of the property is equally appealing, with a smart and low-maintenance forecourt garden that enhances the home's curb appeal. The rear courtyard garden is a tranquil oasis, flourishing with plants and greenery that attract birds and insects, creating a serene spot to enjoy a morning coffee or an evening meal surrounded by nature. Additionally, the courtyard garden provides access to a separate, generous storage room attached to the back of the house, offering perfect storage solutions to keep your home tidy and clutter-free.  Location-wise wise you certainly can’t go wrong, and the house itself will really grab you. Hart Street is well situated just off Warwick Road in this much-loved area of Carlisle and offers easy access into the city, which is only a short walk away. The property also offers excellent access to junction 43 of the M6 motorway. A short walk away is the well-regarded Norman Street Primary School, Brunton Park - the home of Carlisle United and Carlisle rugby club are all close by. The wonderful city parks, including Rickerby and Bitts, can be easily accessed for both family and dog walks alike. With its immaculate presentation, this home is more than just a house; it’s a lifestyle opportunity. Whether you're a growing family seeking more space or a first-time buyer looking for a stylish and functional home, this property offers everything you need to create lasting memories. Tenure - Freehold  Council Tax Band - B EPC Rating - D **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/163462727/966195) - ![Photo](/listings/photos/163462727/966196) - ![Photo](/listings/photos/163462727/966197) - ![Photo](/listings/photos/163462727/966198) - ![Photo](/listings/photos/163462727/966199) - ![Photo](/listings/photos/163462727/966200) - ![Photo](/listings/photos/163462727/966201) - ![Photo](/listings/photos/163462727/966202) - ![Photo](/listings/photos/163462727/966203) - ![Photo](/listings/photos/163462727/966204) - ![Photo](/listings/photos/163462727/966205) - ![Photo](/listings/photos/163462727/966206) - ![Photo](/listings/photos/163462727/966207) - ![Photo](/listings/photos/163462727/966208) - ![Photo](/listings/photos/163462727/966209) - ![Photo](/listings/photos/163462727/966210) - ![Photo](/listings/photos/163462727/966211) - ![Photo](/listings/photos/163462727/966212) - ![Photo](/listings/photos/163462727/966213) - ![Photo](/listings/photos/163462727/966214) - ![Photo](/listings/photos/163462727/966215) - ![Photo](/listings/photos/163462727/966216) - ![Photo](/listings/photos/163462727/966217) - ![Photo](/listings/photos/163462727/966218) ## Floorplans - ![Floorplan 1](/listings/photos/163462727/966219) - Floorplan 1 ## EPC Graphs - ![EPC 1](/listings/photos/163462727/966220) - EPC 1 ## FENSA Certificates This property has 1 FENSA certificate(s) on record. ### FENSA Certificate #8145313 - **Address:** 21 Hart Street, CARLISLE, CA1 2BP - **Certificate Issued:** 09/05/2011 - **Work Completed:** 14/02/2011 - **Items:** 1 door(s) ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 21 HART STREET, CARLISLE, CUMBERLAND, CA1 2BP | £230,000 | 19/02/2026 | 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 | |---------|-------|------|------| | 57 BROAD STREET, CARLISLE, CUMBERLAND, CA1 2AQ | £185,000 | 16/01/2026 | Terraced | | [Same street] 22 HART STREET, CARLISLE, CUMBERLAND, CA1 2BP | £325,000 | 10/12/2025 | Semi-detached | | 74 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ | £203,000 | 28/03/2025 | Terraced | | 3 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ER | £81,500 | 27/03/2025 | Terraced | | 15 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ES | £65,000 | 18/02/2025 | Terraced | | 1 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ER | £76,000 | 29/11/2023 | Terraced | | 123 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1JZ | £324,050 | 12/10/2023 | Terraced | | 6 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ | £215,000 | 26/09/2023 | Terraced | | 4 ORFEUR STREET, CARLISLE, CUMBERLAND, CA1 2AB | £126,500 | 14/07/2023 | Terraced | | 45 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ | £215,000 | 16/06/2023 | Terraced | | [Same street] 23 HART STREET, CARLISLE, CUMBERLAND, CA1 2BP | £175,000 | 01/06/2023 | Terraced | | 10 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ES | £81,500 | 17/05/2023 | Terraced | | 128 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1LF | £140,000 | 27/03/2023 | Terraced | | 39 AGLIONBY STREET, CARLISLE, CUMBERLAND, CA1 1JT | £195,000 | 10/03/2023 | Terraced | | 29 BROAD STREET, CARLISLE, CUMBERLAND, CA1 2AG | £140,000 | 24/02/2023 | Terraced | | 18 RIVER STREET, CARLISLE, CUMBERLAND, CA1 2AL | £160,000 | 21/12/2022 | Terraced | | 24 RIVER STREET, CARLISLE, CUMBRIA, CA1 2AL | £195,000 | 20/12/2022 | Terraced | | [Same street] 15 HART STREET, CARLISLE, CUMBRIA, CA1 2BP | £175,000 | 16/12/2022 | Terraced | | 13 BARROCK STREET, CARLISLE, CUMBRIA, CA1 2EU | £85,000 | 16/12/2022 | Terraced | | 1 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1PY | £595,000 | 16/12/2022 | Terraced | | [Same street] 3 HART STREET, CARLISLE, CUMBRIA, CA1 2BP | £225,000 | 30/11/2022 | Terraced | | 32 BROAD STREET, CARLISLE, CUMBRIA, CA1 2AQ | £197,500 | 18/11/2022 | Terraced | | 29 PETTERIL STREET, CARLISLE, CUMBRIA, CA1 2AJ | £165,000 | 31/10/2022 | Terraced | | 75 BROAD STREET, CARLISLE, CUMBRIA, CA1 2AQ | £205,000 | 28/10/2022 | Terraced | **Street average:** £225,000 (4 sales) **Area average:** £182,503 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £124,495 (55 Terraced, CA1, 2024–2026) - **Deviation:** +100.8% ## 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):** £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 Flat, Brunswick St, CA1 | £950/mo | 3 | 0.17 miles | OpenRent | | 3 Bed Terraced House, Melbourne Road, CA1 | £460/mo | 3 | 0.3 miles | OpenRent | **Average rent: £705/mo (2 listings)** ## 1% Rule - **Rent ratio:** 0.28% (weak for cashflow) - **Max investor price (0.8%):** £88,125 - **Target investor price (1%):** £70,500 *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 £705/mo).* - **Gross yield:** 3.4% - **Cost-to-rent:** 29.6× - **Monthly cashflow:** £-375/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -6.2% *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:** £2,083/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 10.1% - **10y growth:** 66.2% ## House Price Index (HM Land Registry) *Official index for North West; Terraced series; as of April 2026.* - **1y growth (index):** 9.2% - **5y growth (index):** 27.5% - **10y growth (index):** 63.4% ## 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)