Apartment 109, Pearl Works, 2 Howard Lane, Sheffield, S1 2FT

UPRN:10091731644Flat/Maisonette1 bedsBuilt 2012-2021

LeaseholdCouncil Tax: Band AEPC: C (76)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Apartment 109, Pearl Works, 2 Howard Lane, Sheffield, S1 2FT

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

£55,000

£53k - £58kHigh

Estimate

£55k

Range

£53k – £58k

Rent Estimate (pcm)

£350

£350 - £400

Monthly

£350

Yield

7.64%

Verdict

Derived from HomePortfolio scores

Apartment 109 earns an INVESTIGATE rating with HP Score 61/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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 listingsMarket 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

61/ 100

Mixed

Investment Score

57/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 100Bike 65

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 14 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +0.0% (HIGH), sold-comps -3.8%, £/sqft -3.0%] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10091731644· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.1%· as of 6 Nov 2026
Rental economics19.3/40
gross yield 7.6%; range width penalty ×0.91
- valuation_snapshotsrent estimate 350/mo (range 350-400)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -105/mo, -30% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 14 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 2 price cut(s), 219 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 14 Nov 2026
Risk & liquidity14.8/15
89 sales/12mo in area; valuation range width 9%
- 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

£41,000£63,000

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£55,000

At the asking price

Monthly rent£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £17,800
Net cash flow: £57/mo
Cash on cash: 3.8%
Score at this price: 34

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.89 - 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 10091731644Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.1%Valuation edge · as of 6 Nov 2026
valuation_snapshotsrent estimate 350/mo (range 350-400)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 14 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 14 Nov 2026

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 350/mo (range 350-400)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£55,000

Rent Estimate (pcm)£350

Gross Yield7.64%

1y Growth+176.9%

3y Growth-15.4%

5y Growth-4.9%

10y Growth-3.0%

Last Sold Price£77,450 (2015-09-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0S1 2FT

Approval Rate

-12mo

Development

low

25/03621/COND2
Application to approve details in relation to condition number(s): 3 (Sound Insulation) imposed by planning permission 25/03621/CDPN
Pending
26/03266/FUL
Alterations and extensions to roof of Blocks A & B, two-storey extension to form Block F, creation of 3 residential units (Use Class C3), alterations to fenestration and creation of communal amenity space
Pending
26/03258/TCA
Pruning of a tree (Cultural Industries Quarter Conservation Area)
Approved

View Planning Timeline

Ownership

Corporate Ownership23.2%
Overseas OwnershipNo
Lease Term Remaining187 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-09-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,816

Population Density-

Owner Occupied20%

Age Distribution

0-15 3%16-64 96%65+ 1%

View Area Profile

Schools Nearby

Freeman College
0.1 mi
-
Sheffield Hallam University
0.2 mi
-
UTC Sheffield City Centre
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Grace Owen Nursery School
0.5 mi
Good

2 of 4 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Pearl Works, 2 Howard Lane
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£40k
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Pearl Works, 2 Howard Lane
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£50k
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Pearl Works, 2 Howard Lane
-
£300k
-
Pearl Works, 2 Howard Lane
-
£60k
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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