Red House, Laversdale, Irthington, Carlisle, CA6 4PJ

UPRN:10008698393Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: D (58)

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

Red House, Laversdale, Irthington, Carlisle, CA6 4PJ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£311,000

£249k - £374kLow

Estimate

£311k

Range

£249k – £374k

Rent Estimate (pcm)

£1,100

£950 - £1k

Monthly

£1,100

Yield

2.40%

Verdict

Derived from HomePortfolio scores

Red House earns an INVESTIGATE rating with HP Score 62/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (0/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 13Bike 1

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 2.4%; range width penalty ×0.75
- valuation_snapshotsrent estimate 1100/mo (range 950-1200)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,642/mo, -149% 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 9 Nov 2026
Risk & liquidity9.2/15
92 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£550,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £950-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£1,095/mo
Cash on cash: -7.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.59 - 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_snapshotsrent estimate 1100/mo (range 950-1200)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1100/mo (range 950-1200)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£311,000

Rent Estimate (pcm)£1,100

Gross Yield2.40%

1y Growth-

3y Growth-0.7%

5y Growth+3.0%

10y Growth+3.2%

Last Sold Price£200,000 (2012-10-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA6 4PJ

Approval Rate

-12mo

Development

low

26/0059
Erection Of 1no. Detached Dwelling & Associated Infrastructure
Rejected
25/0527
Change Of Use From Holiday Let To Annexe & Proposed Store Extension
Approved
25/0527
Change Of Use From Holiday Let To Annexe & Proposed Store Extension
Pending

View Planning Timeline