4 Bed Bungalow, Planning Permission, Carlisle, CA6 4DS, £450,000





ValuationOvervalued
Sold Prices | £115K - £365K |
Sold Prices/m² | £1.3K/m² - £3.8K/m² |
| |
Square Metres | ~129.26 m² |
Price/m² | £3.5K/m² |
Value Estimate | £247,842£247,842 |
| |
End Value (After Refurb) | £280,000£280,000 |
Investment Opportunity
Cash In | |
Purchase Finance | Bridging LoanBridging Loan |
Deposit (25%) | £112,500£112,500 |
Stamp Duty & Legal Fees | £33,700£33,700 |
Refurb Costs | £50,757£50,757 |
Bridging Loan Interest | £11,813£11,813 |
Total Cash In | £210,520£210,520 |
| |
Cash Out | |
Monetisation | FlipRefinance & RentRefinance & Rent |
Revaluation | £280,000£280,000 |
Mortgage (After Refinance) | £210,000£210,000 |
Mortgage LTV | 75%75% |
Cash Left In | £210,520£210,520 |
Equity | £70,000£70,000 |
Rent Range | £433 - £1,400£433 - £1,400 |
Rent Estimate | £787 |
Running Costs/mo | £1,052£1,052 |
Cashflow/mo | £-265£-265 |
Cashflow/yr | £-3,185£-3,185 |
Gross Yield | 2%2% |
Local Sold Prices
50 sold prices from £115K to £365K, average is £255K. £1.3K/m² to £3.8K/m², average is £1.9K/m².
Price | Date | Distance | Address | Price/m² | m² | Beds | Type | |
£280K | 06/22 | 0.28 mi | 5, Harker Park Road, Harker Park, Carlisle, Cumbria CA6 4HS | £1,918 | 146 | 4 | Semi-Detached House | |
£235K | 08/21 | 0.34 mi | 23, Harker Park Road, Harker Park, Carlisle, Cumbria CA6 4HS | - | - | 4 | Detached House | |
£185K | 12/20 | 0.6 mi | 5, Crindledyke Close, Kingstown, Carlisle, Cumbria CA6 4BX | - | - | 4 | Detached House | |
£212.5K | 07/21 | 0.6 mi | 9, Crindledyke Close, Kingstown, Carlisle, Cumbria CA6 4BX | £1,897 | 112 | 4 | Detached House | |
£220K | 12/20 | 0.77 mi | 18, Charlton Way, Kingstown, Carlisle, Cumbria CA6 4EU | £1,880 | 117 | 4 | Detached House | |
£270K | 04/21 | 0.83 mi | 63, Maxwell Drive, Kingstown, Carlisle, Cumbria CA6 4EB | £1,688 | 160 | 4 | Detached House | |
£310K | 09/21 | 1.07 mi | 2, Meadowfield, Harker Road Ends, Carlisle, Cumbria CA6 4HE | - | - | 4 | Detached House | |
£255K | 02/21 | 1.07 mi | 4, Meadowfield, Harker Road Ends, Carlisle, Cumbria CA6 4HE | £1,895 | 135 | 4 | Detached House | |
£305K | 12/22 | 1.22 mi | 61, Pinecroft, Carlisle, Cumbria CA3 0DB | £2,773 | 110 | 4 | Detached House | |
£325K | 01/23 | 1.31 mi | 13, Newfield Drive, Carlisle, Cumberland CA3 0AG | - | - | 4 | Detached House | |
£300K | 02/23 | 1.36 mi | 40, Newfield Drive, Carlisle, Cumbria CA3 0AF | - | - | 4 | Detached House | |
£255K | 12/20 | 1.39 mi | 2, Lowry Hill Road, Carlisle, Cumbria CA3 0DF | £2,090 | 122 | 4 | Detached House | |
£256K | 12/20 | 1.42 mi | 23, Liddle Close, Carlisle, Cumbria CA3 0DT | £1,882 | 136 | 4 | Detached House | |
£320K | 09/21 | 1.43 mi | 32, Newfield Park, Carlisle, Cumbria CA3 0AH | - | - | 4 | Detached House | |
£252K | 06/21 | 1.43 mi | 36, Newfield Park, Carlisle, Cumbria CA3 0AH | - | - | 4 | Detached House | |
£250K | 05/21 | 1.47 mi | Kingmoor Grange, Kingstown Road, Carlisle, Cumbria CA3 0AX | £1,667 | 150 | 4 | Detached House | |
£350K | 08/22 | 1.48 mi | 13, Sanderson Close, Carlisle, Cumbria CA3 0QA | - | - | 4 | Detached House | |
£209K | 12/20 | 1.48 mi | 30, Naworth Drive, Carlisle, Cumbria CA3 0DD | £1,917 | 109 | 4 | Semi-Detached House | |
£255K | 03/23 | 1.48 mi | 33, Naworth Drive, Carlisle, Cumberland CA3 0DD | £1,771 | 144 | 4 | Semi-Detached House | |
£235K | 02/21 | 1.5 mi | 132, Kingstown Road, Carlisle, Cumbria CA3 0AY | - | - | 4 | Semi-Detached House | |
£320K | 07/23 | 1.54 mi | 20, Hether Drive, Carlisle, Cumberland CA3 0ED | - | - | 4 | Detached House | |
£240K | 05/21 | 1.59 mi | 40, Turnberry Way, Carlisle, Cumbria CA3 0QL | £2,143 | 112 | 4 | Detached House | |
£280K | 10/22 | 1.59 mi | 11, Teasdale Road, Carlisle, Cumbria CA3 0HF | £1,556 | 180 | 4 | Detached House | |
£220K | 01/21 | 1.59 mi | 150, Lowry Hill Road, Carlisle, Cumbria CA3 0ER | - | - | 4 | Detached House | |
£265K | 12/20 | 1.59 mi | 156, Lowry Hill Road, Carlisle, Cumbria CA3 0ER | - | - | 4 | Detached House | |
£276K | 06/21 | 1.6 mi | 18, Wolsty Close, Carlisle, Cumbria CA3 0PB | £1,957 | 141 | 4 | Detached House | |
£244K | 10/20 | 1.63 mi | 19, Moorville Drive, Carlisle, Cumbria CA3 0AN | £1,768 | 138 | 4 | Semi-Detached House | |
£256.5K | 12/21 | 1.63 mi | 5, Bailey Road, Carlisle, Cumbria CA3 0HG | £1,769 | 145 | 4 | Detached House | |
£296K | 04/23 | 1.64 mi | 25, Edenside, Cargo, Carlisle, Cumberland CA6 4AQ | £1,953 | 152 | 4 | Detached House | |
£193K | 05/21 | 1.64 mi | 55, Edenside, Cargo, Carlisle, Cumbria CA6 4AQ | £1,696 | 114 | 4 | Detached House | |
£242.5K | 06/21 | 1.64 mi | 72, Edenside, Cargo, Carlisle, Cumbria CA6 4AQ | £2,073 | 117 | 4 | Detached House | |
£215K | 04/21 | 1.64 mi | 33, Edenside, Cargo, Carlisle, Cumbria CA6 4AQ | £2,067 | 104 | 4 | Detached House | |
£218.5K | 04/21 | 1.64 mi | 56, Edenside, Cargo, Carlisle, Cumbria CA6 4AQ | £2,354 | 93 | 4 | Detached House | |
£267.5K | 01/23 | 1.64 mi | 27, Edenside, Cargo, Carlisle, Cumberland CA6 4AQ | - | - | 4 | Detached House | |
£207.5K | 02/21 | 1.65 mi | 10, Moorville Drive South, Carlisle, Cumbria CA3 0AW | £1,995 | 104 | 4 | Semi-Detached House | |
£230K | 07/21 | 1.68 mi | 111, Tribune Drive, Houghton, Carlisle, Cumbria CA3 0LF | £1,901 | 121 | 4 | Detached House | |
£357.5K | 04/23 | 1.68 mi | 173, Tribune Drive, Houghton, Carlisle, Cumberland CA3 0LF | - | - | 4 | Detached House | |
£265.5K | 03/23 | 1.68 mi | 128, Tribune Drive, Houghton, Carlisle, Cumbria CA3 0LF | £3,848 | 69 | 4 | Semi-Detached House | |
£365K | 12/22 | 1.68 mi | 129, Tribune Drive, Houghton, Carlisle, Cumberland CA3 0LF | £3,147 | 116 | 4 | Detached House | |
£300K | 09/22 | 1.73 mi | 18, Wentworth Drive, Carlisle, Cumbria CA3 0PW | £2,190 | 137 | 4 | Detached House | |
£255K | 08/22 | 1.74 mi | 23, Pennington Drive, Carlisle, Cumbria CA3 0PF | £2,525 | 101 | 4 | Detached House | |
£215K | 04/21 | 1.75 mi | 12, Pennington Drive, Carlisle, Cumbria CA3 0PF | £2,363 | 91 | 4 | Detached House | |
£264K | 02/23 | 1.78 mi | 3, Swinburn Drive, Carlisle, Cumberland CA3 0PY | - | - | 4 | Detached House | |
£295K | 10/20 | 1.81 mi | 55, Lansdowne Close, Carlisle, Cumbria CA3 9HN | £1,844 | 160 | 4 | Detached House | |
£182.5K | 11/20 | 1.81 mi | 4, Lansdowne Close, Carlisle, Cumbria CA3 9HN | £1,722 | 106 | 4 | Detached House | |
£182.5K | 11/20 | 1.81 mi | 4, Lansdowne Close, Carlisle, Cumbria CA3 9HN | £1,722 | 106 | 4 | Detached House | |
£229.9K | 12/20 | 1.85 mi | 208, Lowry Hill Road, Carlisle, Cumbria CA3 0EG | £1,982 | 116 | 4 | Semi-Detached House | |
£115K | 07/21 | 1.88 mi | 35, Bracken Ridge, Carlisle, Cumbria CA3 9TE | - | - | 4 | Terraced House | |
£122.5K | 11/20 | 1.94 mi | 19, Fernlea Way, Carlisle, Cumbria CA3 9SH | £1,289 | 95 | 4 | Terraced House | |
£260K | 10/20 | 1.99 mi | 104, Lansdowne Crescent, Carlisle, Cumbria CA3 9EP | £1,646 | 158 | 4 | Detached House |
Local Rents
45 rents from £433/mo to £1.4K/mo, average is £750/mo.
Rent | Date | Distance | Address | Beds | Type | |
£1,000 | 04/24 | 0.23 mi | Skiddaw View, Low Harker, CA6 | 3 | Bungalow | |
£1,300 | 04/24 | 0.48 mi | Low Harker, Carlisle, CA6 | 4 | Bungalow | |
£720 | 09/23 | 0.73 mi | - | 2 | Detached House | |
£750 | 03/24 | 0.86 mi | Fenwick Drive, Kingstown, Carlisle, CA6 | 2 | Flat | |
£875 | 03/24 | 0.96 mi | Garrett Way, Carlisle | 3 | Detached House | |
£875 | 03/24 | 0.96 mi | Garrett Way, Carlisle | 3 | Detached House | |
£850 | 09/24 | 1.02 mi | - | 3 | Semi-Detached House | |
£600 | 04/24 | 1.08 mi | Kingstown Road, Carlisle | 2 | Terraced House | |
£695 | 04/24 | 1.13 mi | Monterey House, California Road, Carlisle | 2 | Flat | |
£1,400 | 04/24 | 1.36 mi | Knells Farm, The Knells, CA6 | 5 | Detached House | |
£1,200 | 03/24 | 1.37 mi | Oakbank, Houghton, Carlisle, CA3 | 4 | Flat | |
£750 | 05/24 | 1.37 mi | The Green, Houghton, Carlisle | 2 | Flat | |
£850 | 03/24 | 1.44 mi | Kingstown Road, Carlisle, CA3 | 3 | Semi-Detached House | |
£750 | 03/24 | 1.49 mi | Briar Bank, CA3 | 3 | Detached House | |
£795 | 05/24 | 1.53 mi | Greymoor Way, Carlisle, CA3 | 2 | Semi-Detached House | |
£1,100 | 03/24 | 1.63 mi | Abbotsford Drive, Carlisle | 4 | Detached House | |
£1,100 | 04/24 | 1.63 mi | Abbotsford Drive, Carlisle | 4 | Detached House | |
£650 | 03/24 | 1.64 mi | Tribune Drive, Houghton, CA3 | 2 | Semi-Detached House | |
£850 | 05/24 | 1.68 mi | Tribune Drive, Houghton | 3 | Semi-Detached House | |
£600 | 03/24 | 1.7 mi | Gosling Drive, Carlisle, CA3 | 3 | Detached House | |
£850 | 03/24 | 1.72 mi | Antonine Way, Houghton | 3 | Detached House | |
£995 | 04/24 | 1.8 mi | Hadrians Way, Houghton, CA3 | 3 | Semi-Detached House | |
£800 | 03/24 | 1.88 mi | Cargo, Carlisle, Cumbria, CA6 | 3 | Flat | |
£625 | 03/24 | 1.89 mi | Greenwood Court, Carlisle, CA3 | 2 | Detached House | |
£695 | 03/24 | 1.9 mi | The Green, Briar Bank, Carlisle | 3 | Semi-Detached House | |
£750 | 04/24 | 2.04 mi | - | 2 | Flat | |
£750 | 10/24 | 2.04 mi | - | 2 | Flat | |
£725 | 03/24 | 2.06 mi | Walden Grove, Carlisle, Cumbria, CA3 | 2 | Flat | |
£600 | 04/24 | 2.07 mi | Caldew Close, Carlisle, CA3 | 1 | Flat | |
£433 | 04/24 | 2.14 mi | Blencarn Park, Rockcliffe, Carlisle, CA64AH | 1 | Bungalow | |
£725 | 05/24 | 2.14 mi | Edentown Court, Eden Street, Stanwix | 2 | Flat | |
£625 | 03/24 | 2.17 mi | St. Pierre Avenue, Etterby, Carlisle | 2 | Semi-Detached House | |
£575 | 03/24 | 2.17 mi | Belfry Close, Carlisle, CA3 | 2 | Terraced House | |
£450 | 03/24 | 2.21 mi | Balmoral Court, Carlisle, Cumbria, CA3 | 2 | Flat | |
£500 | 05/24 | 2.22 mi | 22 Sunningdale Close, Etterby Park, Carlisle | 1 | Semi-Detached House | |
£725 | 04/24 | 2.24 mi | 20 St. Augusta View, CA3 | 3 | Semi-Detached House | |
£435 | 04/24 | 2.25 mi | Sunningdale Gardens, Carlisle | 1 | Semi-Detached House | |
£975 | 05/24 | 2.26 mi | Austin Court, Etterby Road, Carlisle | 3 | Terraced House | |
£625 | 03/24 | 2.3 mi | Fulford walk, Carlisle, CA3 | 2 | Terraced House | |
£625 | 04/24 | 2.3 mi | Fulford walk, Carlisle, CA3 | 2 | Terraced House | |
£625 | 04/24 | 2.3 mi | Fulford walk, Carlisle, CA3 | 2 | Terraced House | |
£895 | 04/23 | 2.35 mi | - | 3 | Semi-Detached House | |
£795 | 03/24 | 2.36 mi | Cheviott Road, Stanwix | 3 | Terraced House | |
£995 | 05/24 | 2.38 mi | Croft Road, Carlisle | 3 | Semi-Detached House | |
£750 | 05/24 | 2.42 mi | - | 2 | Terraced House |
Local Area Statistics
Population in CA6 | 8,8428,842 |
Population in Carlisle | 103,015103,015 |
Town centre distance | 2.69 miles away2.69 miles away |
Nearest school | 1 miles away1 miles away |
Nearest train station | 3.42 miles away3.42 miles away |
| |
Rental growth (12m) | +36%+36% |
Sales demand | Balanced marketBalanced market |
Capital growth (5yrs) | +11%+11% |
Property History
Listed for £450,000
January 30, 2025
Floor Plans


Description
- Private Setting +
- Period Features +
- Generous Living Spaces +
- Stunning Views Over to the Langholm Hills +
- Extensive South Facing Gardens +
Accommodation in Brief
Ground Floor
Porch | Entrance Hall | Dining Room | Living Room | Kitchen | Utility Room | Sitting Room | WC | Bathroom | Double Bedroom
First Floor
Three Double Bedrooms | Bathroom | Two Storage Cupboards
The Property
Situated in the hamlet of Harker, on the outskirts of Carlisle, Old Swinford is a charming 1930s detached dormer bungalow with a unique history. The house was built with the winnings from a horse race bet and proudly bears the victorious horse's name.
A wooden gate opens to a sweeping driveway, creating an impressive entrance with ample off-road parking. Inside, the living areas have been thoughtfully renovated to preserve the original 1930s charm, showcasing high ceilings, striking fireplaces, solid wooden lintels, and classic paneling.
The entrance hallway winds through the ground floor, leading to the expansive reception areas that feature two separate sitting rooms. Additionally, there is a generously sized double bedroom and a bathroom showcasing an original pink suite. The largest sitting room is bathed in natural light from a large bay window and has elegant window seating from which to enjoy the views of the beautiful landscaped front garden. The room also features an inglenook fireplace with a multi-fuel burner. The second sitting room is a versatile space that could easily be converted into a designated home office or fifth bedroom.
The kitchen, with its classic design, is well-equipped with wooden cabinetry and integrated appliances, including a dishwasher, Neff double oven, and gas hob. A separate pantry provides additional storage. Whilst there is space for a table and chairs here, the grand dining room with striking oak flooring offers a more formal setting for dining and entertaining. A utility room includes plumbing for a washing machine, a traditional Belfast sink, and allows direct access to an additional storeroom, the double garage, and out into the garden.
On the first floor, you'll find convenient storage cupboards on the landing and three generously sized double bedrooms with charming eaves features, each benefiting from built-in storage cupboards. A family bathroom serves these rooms, featuring an over-bath shower and stunning views of the Langholm Hills.
The property offers excellent potential for expansion, with the possibility of extending over the garage and the opportunity to install an en-suite in the downstairs bedroom. Additionally, there is outline planning permission for a new 4-bedroom dwelling at the front of the property.
Reference: 24/0163 | Erection Of 1no. Dwelling | Land adjacent Old Swinford, Harker, Carlisle, CA6 4DS
Externally
A standout feature of the property is the superb, well-stocked south-facing garden, which boasts an expansive lawn and an array of well-stocked flower beds, mature herbaceous borders, and a variety of large trees and shrubs.
To the side, a horticultural paradise awaits with raised vegetable gardens, fruit bush cages and a delightful assortment of fruit trees, including plum, cherry, damson, and apple. A greenhouse shelters a thriving grapevine, and a garden shed provides convenient storage and workspace equipped with power.
To the rear, a north-facing lawn is bordered by beautifully landscaped walls and showcases a large central bird bath. A serene west-facing arbour provides the perfect spot to relax and enjoy the evening sun.
Local Information
Old Swinford is in the north of Carlisle with excellent access to the M6, Scotland, the Solway Coast, the Lake District National Park and only a couple of miles from Hadrian’s Wall. The surrounding countryside offers excellent walks and outdoor opportunities. Carlisle is within easy reach and offers a comprehensive range of social, leisure, retail and cultural opportunities with an attractive pedestrian area and an impressive cathedral and castle.
For schooling, there are several primary and secondary schools all within easy reach, whilst private schooling is offered at Austin Friars School in Carlisle.
The property is well positioned for public transport, access to surrounding villages and the M6 for onward travel north and south, while the A69 provides easy access to Newcastle in the east. There is a rail station in Carlisle providing excellent main line services to major UK cities north and south.
Approximate Mileages
Carlisle City Centre 3.7 miles | Gretna Green 7.1 miles | Keswick 34.2 miles | Newcastle International Airport 56.6 miles
Services
Mains electricity, and water. Drainage to a septic tank. Gas central heating.
Tenure
Freehold
Wayleaves, Easements & Rights of Way
The property is being sold subject to all existing wayleaves, easements and rights of way, whether or not specified within the sales particulars.
Agents Note to Purchasers
We strive to ensure all property details are accurate, however, they are not to be relied upon as statements of representation or fact and do not constitute or form part of an offer or any contract. All measurements and floor plans have been prepared as a guide only. All services, systems and appliances listed in the details have not been tested by us and no guarantee is given to their operating ability or efficiency. Please be advised that some information may be awaiting vendor approval.
Submitting an Offer
Please note that all offers will require financial verification including mortgage agreement in principle, proof of deposit funds, proof of available cash and full chain details including selling agents and solicitors down the chain. To comply with Money Laundering Regulations, we require proof of identification from all buyers before acceptance letters are sent and solicitors can be instructed.
Disclaimer
The information displayed about this property comprises a property advertisement. Finest Properties strives to ensure all details are accurate; however, they do not constitute property particulars and should not be relied upon as statements of fact or representation. All information is provided and maintained by Finest Properties.
EPC Rating: D