Abberley House, 33 Victoria Place, Carlisle, CA1 1HP

UPRN:100110300029TerracedBeds -Built -

FreeholdCouncil Tax: Band AEPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· 5mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Abberley House, 33 Victoria Place, Carlisle, CA1 1HP

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£512,000

£461k - £563kMedium

Estimate

£512k

Range

£461k – £563k

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

6.05%

Verdict

Derived from HomePortfolio scores

Abberley House earns an INVESTIGATE rating with HP Score 56/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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 SourcesPortal 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

56/ 100

Mixed

Investment Score

53/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 2Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-0.6/15
claims [AVM -16.2% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100110300029· as of 12 Oct 2026
Rental economics7.8/40
gross yield 6.1%; range width penalty ×0.93
- valuation_snapshotsrent estimate 3000/mo (range 2800-3200)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -435/mo, -15% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 155 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 3 Nov 2026
Risk & liquidity12.9/15
351 sales/12mo in area; valuation range width 20%
- 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

£446,000£684,000

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£595,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,800-£3,200

Interest rate5.4%

Loan to value75%

Cash required: £199,550
Net cash flow: £69/mo
Cash on cash: 0.4%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.49 - 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 100110300029Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3000/mo (range 2800-3200)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3000/mo (range 2800-3200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 155 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. 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£512,000

Rent Estimate (pcm)£3,000

Gross Yield6.05%

1y Growth-

3y Growth+2.2%

5y Growth+2.5%

10y Growth+3.9%

Last Sold Price£127,500 (1997-12-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0CA1 1HP

Approval Rate

-12mo

Development

low

26/0073/S211
Crown Reduction Of 2 Metres & Prune Back 1no. Cherry Tree; Crown Lift/Uplift Of 1no. Thorny Olive Tree
Pending
26/0592
Replacement Of 14no. Windows & Rear External Door
Pending
26/0593
Replacement Of 14no. Windows & Rear External Door (LBC)
Pending

View Planning Timeline

Ownership

Corporate Ownership72%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1997-12-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density2,920 /km²

Owner Occupied32%

Age Distribution

0-15 9%16-64 80%65+ 11%

View Area Profile

Schools Nearby

Trinity School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Progress Schools - Carlisle
0.1 mi
Good
Richard Rose Central Academy
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
University of Cumbria
0.5 mi
-

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

View All Schools

Comparables

View All

Fairview House Victoria Place
-
£520k
-
St. Gabriel'S Convent, 52 Victoria Place
-
£720k
-
50 Victoria Place
-
£370k
-
33 Victoria Place
-
£128k
-

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