Apartment 9, 56 Bank Street, Sheffield, S1 2PH

UPRN:10095947412Flat/Maisonette2 bedsBuilt 2023

LeaseholdCouncil Tax: Band BEPC: D (59)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Apartment 9, 56 Bank Street, Sheffield, S1 2PH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£118,000

£113k - £124kHigh

Estimate

£118k

Range

£113k – £124k

Rent Estimate (pcm)

£750

£700 - £750

Monthly

£750

Yield

7.50%

Verdict

Derived from HomePortfolio scores

Apartment 9 earns an INVESTIGATE rating with HP Score 61/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (98/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

98/ 100

Excellent

Transit & Bike

Transit 100Bike 65

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 11 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge2.5/15
claims [AVM -1.7% (HIGH), sold-comps +49.4%, £/sqft +49.5%] → measured edge +0.50pp 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 13 Oct 2026
- valuation_snapshotsestimate for 10095947412· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 10.8%· as of 9 Nov 2026
Rental economics20/40
gross yield 7.5%; range width penalty ×1.00
- valuation_snapshotsrent estimate 750/mo (range 700-750)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -85/mo, -11% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 58 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 11 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

£90,000£138,000

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£120,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £114/mo
Cash on cash: 3.7%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.85 - 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 10095947412Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 10.8%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 750/mo (range 700-750)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 58 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. 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.
3. 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£118,000

Rent Estimate (pcm)£750

Gross Yield7.50%

1y Growth-20.5%

3y Growth-15.4%

5y Growth-4.9%

10y Growth-3.0%

Last Sold Price£215,000 (2023-05-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0S1 2PH

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
26/02452/COND1
Application to approve details in relation to condition no(s) 3 (bin storage details) relating to planning permission 26/02452/CHU
Pending

View Planning Timeline

Ownership

Corporate Ownership23.2%
Overseas OwnershipNo
Lease Term Remaining246 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2023-05-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,816

Population Density5,115 /km²

Owner Occupied20%

Age Distribution

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

View Area Profile

Schools Nearby

Sheffield Hallam University
0.4 mi
-
Netherthorpe Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Grace Owen Nursery School
0.5 mi
Good
Freeman College
0.5 mi
-

3 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

56 Bank Street
-
£175k
-
56 Bank Street
-
£175k
-
56 Bank Street
-
£215k
-
56 Bank Street
-
£220k
-

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