15 Sunnymeade, Carlisle, CA2 4NR

UPRN:100110298334Mid Terrace Property2 bedsBuilt 1950-1966

Tenure: -Council Tax: Band AEPC: D (68)

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

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

£103,000

£82k - £124kLow

Estimate

£103k

Range

£82k – £124k

Rent Estimate (pcm)

£650

£600 - £650

Monthly

£650

Yield

8.25%

Verdict

Derived from HomePortfolio scores

15 Sunnymeade earns an INVESTIGATE rating with HP Score 63/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (18/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

18/ 100

Low

Transit & Bike

Transit 44Bike 10

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 economics0.6/40
gross yield 5.1% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 400/mo (tenanted)· as of 11 Nov 2026
Stress margin0/30
stressed cash flow -235/mo, -59% 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 11 Nov 2026
Risk & liquidity9.1/15
496 sales/12mo in area; valuation range width 41%
- 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£94,500

At the asking price

Monthly rent£650/mo

Evidenced range £600-£650

Interest rate5.4%

Loan to value75%

Cash required: £29,650
Net cash flow: £131/mo
Cash on cash: 5.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.04 - 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

listing_factscontractual rent 400/mo (tenanted)Rental economics · as of 11 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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
Seller motivation could not be scored
context, not scored: 0 price cut(s), 48 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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£103,000

Rent Estimate (pcm)£650

Gross Yield8.25%

1y Growth-

3y Growth+4.4%

5y Growth+3.9%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2CA2 4NR

Approval Rate

50%12mo

Development

low

26/0501
Erection Of Single Storey Rear Extension To Provide Bedroom Together With Internal Alterations To Create Enlarged Wet Room
Approved
26/0370
Change Of Use From C3 (Residential) To C2 (Residential Children's Home)
Approved
26/0224
Erection Of Single Storey Side Extension To Provide Lounge & Shower Room
Approved

View Planning Timeline

Ownership

Corporate Ownership83.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density-

Owner Occupied54%

Age Distribution

0-15 19%16-64 55%65+ 26%

View Area Profile

Schools Nearby

Upperby Primary School
0.3 mi
Good
Petteril Bank School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Gillford Centre
0.5 mi
Good
St Margaret Mary Catholic Primary School, Carlisle
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

7 Sunnymeade
-
£113k
-
25 Sunnymeade
-
£78k
-
21 Sunnymeade
-
£130k
-
21 Sunnymeade
-
£75k
-

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