77 Richardson Street, Carlisle, CA2 6AA

UPRN:100110295000Mid Terrace House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: E (49)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£130,000

£124k - £137kHigh

Estimate

£130k

Range

£124k – £137k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

7.25%

Verdict

Derived from HomePortfolio scores

77 Richardson Street earns an INVESTIGATE rating with HP Score 63/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (39/100). 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

63/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

39/ 100

Mixed

Transit & Bike

Transit 40Bike 42

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 13 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 -1.9% (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 9 Nov 2026
- valuation_snapshotsestimate for 100110295000· as of 9 Nov 2026
Rental economics17.1/40
gross yield 7.2%; range width penalty ×0.95
- valuation_snapshotsrent estimate 800/mo (range 750-850)· as of 9 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 13 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -101/mo, -13% 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 13 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 93 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 13 Nov 2026
Risk & liquidity14.6/15
496 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

£99,500£152,500

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£132,500

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £41,200
Net cash flow: £107/mo
Cash on cash: 3.1%
Score at this price: 32

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.79 - clears 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 100110295000Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 800/mo (range 750-850)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 13 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026

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 800/mo (range 750-850)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. 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£130,000

Rent Estimate (pcm)£800

Gross Yield7.25%

1y Growth-6.3%

3y Growth+4.4%

5y Growth+3.9%

10y Growth+2.6%

Last Sold Price£89,950 (2012-08-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA2 6AA

Approval Rate

-12mo

Development

low

26/0621
Erection Of Single Storey Side And Rear Extensions To Provide New Kitchen, Dining, Utility And Store With Extended Bedroom; Widening Of Driveway To Provide Additional Parking Space
Pending
26/0596
Construction & Operation Of A Micro Energy Storage Project
Pending
26/0564
Erection Of 2 Storey Side Extension To Provide New Kitchen/Dining On Ground Floor With 1no. En-Suite Bedroom Above
Pending

View Planning Timeline

Ownership

Corporate Ownership83.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-08-23
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£33,840

Population Density7,535 /km²

Owner Occupied46%

Age Distribution

0-15 14%16-64 72%65+ 14%

View Area Profile

Schools Nearby

Robert Ferguson Primary School
0.3 mi
Good
Newlaithes Junior School
0.6 mi
Good
Newlaithes Infant School
0.7 mi
Good
St Bede's Catholic Primary School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

31 Richardson Street
-
£160k
-
17 Richardson Street
-
£120k
-
1 Richardson Street
-
£82k
-
50 Richardson Street
-
£150k
-

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