Macey Arms, Macey Bank, Southwaite, Carlisle, CA4 0NX

UPRN:10000121323Semi-Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (49)

Data freshness:Listing· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Macey Arms, Macey Bank, Southwaite, Carlisle, CA4 0NX

HP Score

/ 100

Mixed

Verdict

6 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

18 of 21 sources

Sale Estimate

£518,000

£492k - £544kHigh

Estimate

£518k

Range

£492k – £544k

Rent Estimate (pcm)

£1,600

£1k - £2k

Monthly

£1,600

Yield

3.84%

Verdict

Derived from HomePortfolio scores

Macey Arms earns an INVESTIGATE rating with HP Score 58/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (4/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

4/ 100

Low

Transit & Bike

Transit 15Bike 2

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +3.5% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10000121323· as of 12 Oct 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.70
- valuation_snapshotsrent estimate 1600/mo (range 1400-1800)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,063/mo, -66% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 209 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 3 Nov 2026
Risk & liquidity14.6/15
123 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£375,000£575,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£500,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,400-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £166,300
Net cash flow: -£580/mo
Cash on cash: -4.2%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.95 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 10000121323Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1400-1800)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1600/mo (range 1400-1800)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 209 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£518,000

Rent Estimate (pcm)£1,600

Gross Yield3.84%

1y Growth-

3y Growth+5.1%

5y Growth+4.2%

10y Growth+4.1%

Last Sold Price£167,420 (2006-09-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CA4 0NX

Approval Rate

-12mo

Development

low

2026/1148/FPA
Part-retrospective planning application for stabling and change of use of land to private equestrian use.
Conditions
2026/0029/FPA
Variation of condition 2 (approved plans) for changes to the approved design, materials and fenestration, attached to approval 13/0932.
Conditions
2025/2171/FPA
Erection of two agricultural buildings.
Conditions

View Planning Timeline

Ownership

Corporate Ownership83.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-09-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied77%

Age Distribution

0-15 14%16-64 59%65+ 27%

View Area Profile

Schools Nearby

Ivegill CofE School
0.2 mi
Good
Raughton Head CofE School & Nursery
3.0 mi
-
Wreay Church of England Primary School
3.2 mi
Good
High Hesket CofE School
3.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Macey Arms Farm
-
£167k
-
Macey Arms Farm
-
£250k
-
Macey Arms Farm
-
£310k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN