3 Cutlers House, 45A Mowbray Street, Sheffield, S3 8ES

UPRN:10023159290Purpose Built Flat1 bedsBuilt 2007-2011

LeaseholdCouncil Tax: -EPC: C (79)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

3 Cutlers House, 45A Mowbray Street, Sheffield, S3 8ES

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£92,000

£88k - £97kHigh

Estimate

£92k

Range

£88k – £97k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

8.67%

Verdict

Derived from HomePortfolio scores

3 Cutlers House earns an INVESTIGATE rating with HP Score 57/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (88/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

94/ 100

Elevated

Walkability

88/ 100

Excellent

Transit & Bike

Transit 99Bike 62

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£90,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £28,300
Net cash flow: £146/mo
Cash on cash: 6.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.14 - 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£92,000

Rent Estimate (pcm)£650

Gross Yield8.67%

1y Growth+6.4%

3y Growth-6.6%

5y Growth+1.3%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0S3 8ES

Approval Rate

-12mo

Development

low

26/02452/COND1
Application to approve details in relation to condition no(s) 3 (bin storage details) relating to planning permission 26/02452/CHU
Pending
26/03222/LBC
2no. externally illuminated painted 'The Straddle' white vertical lettering, 2no. internally illuminated white box signs, 2no. totem signs and 1no. 'The Straddle' lettering sign to cycle store
Pending
26/03197/FUL
Change of use of offices (Use Class E) to hotel and aparthotel accommodation (Use Class C1) with associated external alterations including installation of windows, guardrails and doors and formation of external terraces
Pending

View Planning Timeline

Ownership

Corporate Ownership26.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,816

Population Density1,498 /km²

Owner Occupied15%

Age Distribution

0-15 14%16-64 83%65+ 3%

View Area Profile

Schools Nearby

Astrea Academy Sheffield
0.3 mi
Good
Pye Bank CofE Primary School
0.4 mi
Good
Netherthorpe Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bethany School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Cutlers House, 45A Mowbray Street
-
£100k
-
Cutlers House, 45A Mowbray Street
-
£108k
-
Cutlers House, 45A Mowbray Street
-
£92k
-
Cutlers House, 45A Mowbray Street
-
£103k
-

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