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· freshPrice Paid· 2mo agoPlanning· 2mo agoEPC· 4mo agoRisk· 3mo agoCrime· 2mo agoConnectivity· 3mo agoSchools· 3mo agoAmenities· 3mo agoArea· Census 2021

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

Location map - no listing photos available

HP Score

/ 100

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

Purchase price£43,000

At the asking price

Monthly rent£700/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

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. 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
-
Willow Court Willow Holme Road
-
£73k
-
Willow Court Willow Holme Road
-
£64k
-
Willow Court Willow Holme Road
-
£38k
-

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