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13 Willow Court, Willowholme Road, Willowholme, Carlisle, CA2 5SQ

UPRN:10008697171Flat/Maisonette2 bedsBuilt 1930-1949
LeaseholdCouncil Tax: -EPC: D (56)AI-Powered Intelligence
Data freshness:Listing· freshListing: fresh, refreshed 4d ago (2026-09-17T04:00:02.382776+00:00)Price Paid· 2mo agoPrice Paid: ageing, refreshed 2mo ago (2026-08-01T00:05:07.844309+00:00)Planning· 2mo agoPlanning: ageing, refreshed 2mo ago (2026-07-10T08:57:02.420882+00:00)EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-05-20T10:58:39.129138+00:00)Risk· 3mo agoRisk: ageing, refreshed 3mo ago (2026-07-04T06:46:22.443816+00:00)Crime· 2mo agoCrime: ageing, refreshed 2mo ago (2026-08-02T05:17:47.239173+00:00)Connectivity· 3mo agoConnectivity: ageing, refreshed 3mo ago (2026-07-04T20:23:28.637306+00:00)Schools· 3mo agoSchools: ageing, refreshed 3mo ago (2026-07-07T02:37:19.861486+00:00)Amenities· 3mo agoAmenities: ageing, refreshed 3mo ago (2026-07-05T20:05:00.707256+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
13 Willow Court, Willowholme Road, Willowholme, Carlisle, CA2 5SQ
Location map - no listing photos available

HP Score

Strong
Verdict
yesterday
  • BUY
    Strong fundamentals
  • INVESTIGATE
    Mixed signals - investigate
  • AVOID
    High risk factors
Confidence
Medium
Sale Estimate
£111,000
£106k - £117kHigh
Estimate
£111k
Range
£106k – £117k
Rent Estimate (pcm)
£700
£700 - £750Medium
Monthly
£700
Yield
-

AI Verdict

Derived from HomePortfolio scores

AI summary

13 Willow Court earns a INVESTIGATE rating with HP Score 69/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (82/100). Flood risk is rated very low. Tenure is leasehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS
HP Score
69/ 100
Moderate
Investment Score
60/ 100
Moderate
Crime Score
49/ 100
Elevated
Walkability
82/ 100
High
Transit & Bike
High
Real Data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

  • listing is 'Under offer' - sale already progressing, not an actionable opportunity
  • estimate implies a 61% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

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
£43,000

At the asking price

£700/mo

Evidenced range £700-£750

5.4%
75%
Cash required
£14,200
Net cash flow
£339/mo
Cash on cash
28.7%
Score at this price
-

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.82 - 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. 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£111,000
Rent Estimate (pcm)£700
Gross Yield-
1y Growth-
3y Growth+3.4%
5y Growth+3.7%
10y Growth+2.6%
Last Sold Price£101,995 (2005-06-01)
View Market Details

Risk Overview

  • Flood RiskVery low
  • Subsidence1
  • RadonLow
  • MiningUnknown
  • Landslide1
  • Air QualityUnknown
  • NoiseLow
View Full Risk Report

Planning Activity

Recent Apps
0CA2 5SQ
Approval Rate
-12mo
Development
low
  • 26/0514
    Change Of Use From Domestic Garage & Ancillary Building Into Self-Contained Accommodation For A Dependent Elderly Relative
    Pending
  • 26/0508
    Retention Of Replacement Non-Illuminated ATM Signage
    Pending
  • 26/0507
    Installation Of Replacement ATM (Retrospective)
    Pending
View Planning Timeline

Ownership

  • Corporate Ownership83.3%
  • Overseas OwnershipNo
  • Lease Term Remaining103 yrs
  • CovenantsRestrictive
  • Lease TypeLeasehold
  • Last Ownership Change2005-06-01
  • SourceLand Registry
View Ownership Details

Connectivity

Broadband (Standard)
12 Mbps
Mobile 4G/5G Coverage
-
EV Charger
-
PTAL Rating
-
View Connectivity Map

Area Profile

Median Household Income£34,890
Population Density512 /km²
Owner Occupied36%
Age Distribution
0-15 9%16-64 76%65+ 15%
View Area Profile

Schools Nearby

  • Caldew Lea School
    0.3 mi
    Good
  • University of Cumbria
    0.3 mi
    -
  • St Bede's Catholic Primary School
    0.6 mi
    Area grades2025

    Inspected after Ofsted withdrew the single overall grade.

  • Progress Schools - Carlisle
    0.7 mi
    Good

0 of 11 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All
  • Willow Court Willow Holme Road
    -
    £80k
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  • Willow Court Willow Holme Road
    -
    £73k
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  • Willow Court Willow Holme Road
    -
    £64k
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  • Willow Court Willow Holme Road
    -
    £38k
    -