5 Howard Court, Howard Street, Carlisle, CA2 7AP

UPRN:10008679451Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band AEPC: D (64)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

5 Howard Court, Howard Street, Carlisle, CA2 7AP

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£95,000

£91k - £100kHigh

Estimate

£95k

Range

£91k – £100k

Rent Estimate (pcm)

£650

£600 - £650

Monthly

£650

Yield

8.67%

Verdict

Derived from HomePortfolio scores

5 Howard Court earns an INVESTIGATE rating with HP Score 74/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (71/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

71/ 100

High

Transit & Bike

Transit 45Bike 47

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£89,950

At the asking price

Monthly rent£650/mo

Evidenced range £600-£650

Interest rate5.4%

Loan to value75%

Cash required: £28,286
Net cash flow: £146/mo
Cash on cash: 6.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.14 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£95,000

Rent Estimate (pcm)£650

Gross Yield8.67%

1y Growth-

3y Growth+4.4%

5y Growth+3.9%

10y Growth+2.6%

Last Sold Price£78,400 (2021-04-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA2 7AP

Approval Rate

-12mo

Development

low

26/0602
Measures To Reduce Scour Risk Rating Of The Structure Though Installation Of Sheet Piles At The Bases Of Two Of The Piers Located Within The River Channel, Installation Of A Loose Laid Waterproofing System To Improve The Longevity Of The Structure And Installation Of Parapet Fencing To Make The Deck Safe To Access
Pending
26/0596
Construction & Operation Of A Micro Energy Storage Project
Pending
26/0586
Extension To Existing Mortuary Entrance Including Recladding Of Existing Walls
Pending

View Planning Timeline

Ownership

Corporate Ownership83.4%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-04-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density8,281 /km²

Owner Occupied49%

Age Distribution

0-15 16%16-64 71%65+ 13%

View Area Profile

Schools Nearby

Newtown Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Bede's Catholic Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Caldew Lea School
0.3 mi
Good
Belle Vue Primary School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Howard Court
-
£83k
-
5 Howard Court
-
£78k
-
3 Howard Court
-
£78k
-
7 Howard Court
-
£61k
-

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