I have 'Urban' too for no particular reason than it's more common than 'Unbar' - I think either answer can be legitimate (unless we're missing something) in which case it's not the only flaw of the puzzle (the other being 105 dn).
Thanks to both of you for confirming that both are possible - I've been staring at it for a week - fortunately long enough to see the SPARE/SHARE addendum! I prefer "URBAN' too...