Keith,
In the context of Agnes being able to afford to live at (and perhaps own) no. 14, it may be that you are not aware of her father's Will - please forgive me if you are.
There are various newspaper items (replicated in regional newspapers) that, in September 1898, reported as follows:
"The Will (with two codicils) of Mr James Kershaw, for many years connected with the firm of Messrs. Dent, Allcroft & Co., of Charterhouse Square, who died on May 7, was proved on Aug. 19 by Edward Thomas Jones and George Christopher MacRae, the Executors, the value of the estate amounting to £20,427. The testator gives legacies to his trustees, and the residue of his property, upon trust for his two daughters, Alice Mary Gurner and Agnes Florence Kershaw, in equal proportions"
The Probate Index for 1898 also records that Mr Jones was a Chartered Accountant, Mr MacRae was a Warehouseman (although this probably meant that he owned them rather than that he just worked in a warehouse) and that the Will was "Resworn January 1899 £21,307 8s 3d".
Using a simple inflation calculator, the 2019 equivalent of £21,307 is £2,718,337!
A copy of the Will should, hopefully, provide more detail as to exactly how much of the residuary Estate devolved to Alice and Agnes. Additionally it might reveal whether or not James arranged for his assets to be retained so as to provide steady streams of income for his daughters or if they were to be liquidated to provide for equal capital sums to be paid directly to them (or to be used to purchase lifetime annuities for each of them).
Willyam