積算100
[Assessed 130%] Detached house in Matsudo, Chiba — 18 min from Kita-Matsudo Sta.
Assessed 130%Detached houseMatsudo, ChibaKita-Matsudo Sta. 18 min walk

[Assessed 130%] Detached house in Matsudo, Chiba — 18 min from Kita-Matsudo Sta.

Published: Aug 5, 2026Updated: Sep 15, 2026

Property Overview

LocationMatsudo, Chiba
Nearest StationJR Joban Line Kita-Matsudo Sta.
Walk18 min walk
Assessed Ratio130%Assessed 130%
Price¥10,400,000
TypeDetached house
StructureWooden
BuiltBuilt Apr 1974 (52 years old)
Land Area96.55㎡
Building Area63.62㎡

Where This Property Is Listed

This property appears on the sites below. Listings matching on location, land area and building area are merged into a single article as the same property.

SUUMO¥10,400,000View listing
athome¥10,400,000View listing

Assessed Value Breakdown

Land assessed value¥13,517,000
Building assessed value¥0
Total assessed value¥13,517,000
Asking price¥10,400,000
Assessed ratio130%

Calculation basis

  • Land = road price ¥140,000/m² × land area 96.55m²
  • Building = replacement cost ¥220,000/m² × floor area 63.62m² × remaining life 0y ÷ statutory life 22y
  • Built Apr 1974 (52 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +21.7%
YearRoad price (JPY/m²)YoY
2024115,000
2025125,000+8.7%
2026140,000+12.0%

Based on inheritance-tax road prices published each July — a reference for the trend in land collateral value.

How We Checked This Property

Rather than reproducing the listing as-is, we worked through the FY2026 road price map and the listing photos to confirm both the figures and the site conditions.

Locating the road price

On the FY2026 road price map for Matsudo (sheet 09083), we took ¥140,000/m² — the most common value among the block streets between Yukiyanagi Park and the Kamihongo label. Nearby streets reach ¥155,000 and ¥160,000/m², but we used the conservative figure.

View source
Effective land area

The private-road field reads "none, 4 m width to the west" with no flagpole extension or road dedication noted, so the full 96.55 m² is used for the land valuation.

On-site check from photos

We checked a site photo including the frontage road plus an exterior shot. The road is a paved residential street with no step, stepped approach or retaining wall against the plot. The parking space is level with the road, and there is no sign of a flagpole shape.

Building valuation assumptions

Against the 22-year statutory life for wood-frame construction, the building dates from April 1974 and is 52 years old, so its assessed value is zero. The land alone exceeds the asking price.

What We Could Not Confirm

  • The utilities field lists a well, with no mention of a municipal water connection. The water supply situation and any connection cost should be confirmed before purchase.
  • At 52 years old the building is effectively land value. If demolition is contemplated, we recommend also obtaining a demolition cost estimate.

Rather than reproducing the listing as-is, we verified the figures against public sources such as the official road price maps and the listing photos. This is not based on a site visit, so please confirm on site and with the seller before deciding.

Neighborhood ① Shopping Near the Station

Maruetsu Kita-Matsudo Store
3 min walk from the station

A grocery supermarket at 2220-1 Kamihongo, Matsudo City. The first floor is open until midnight.

Source
7-Eleven Kita-Matsudo Ekimae Nishiguchi Store
1 min walk from the station

At 923-4 Kamihongo, Matsudo City, about a 1-minute walk from the west exit of Kita-Matsudo Station. Open 24 hours.

Source

Neighborhood ② Dining Near the Station

Nikutama Soba Otodo Kita-Matsudo Main Store
1 min walk from the station

A ramen and tsukemen shop in front of Kita-Matsudo Station. Popular enough to draw a queue at lunchtime.

Source
Arisan
1 min walk from the station

A Taiwanese restaurant just outside the east exit of Kita-Matsudo Station. Lunch comes with soup and dessert.

Source

About This Property

A pre-owned detached house in Kamihongo, Matsudo City, Chiba, an 18-minute walk from Kita-Matsudo Station on the JR Joban Line. Matsudo-Shinden Station on the Keisei Matsudo Line and Mabashi Station on the Ryutetsu Nagareyama Line are also within walking distance, giving access to three lines. Maruetsu Kita-Matsudo and the 7-Eleven Kita-Matsudo Ekimae Nishiguchi store are both in Kamihongo, so everyday shopping is done on the way to the station. It is a residential area zoned Category I Low-Rise Exclusive Residential.

The land is 96.55 sqm and the building 63.62 sqm, wooden and two storeys, built in April 1974. The layout is 3DK with a Japanese-style room and a garden, and there is parking for two cars. The frontage road is 4 m wide to the west with no private-road burden. No other restrictions are noted, the land is held in freehold, and immediate handover is possible.

The 2026 inheritance-tax roadside land value is 140,000 yen/sqm, putting the land assessment at roughly 13.52 million yen. Built in 1974 the building is 52 years old, far beyond the 22-year statutory useful life for wooden construction, so it assesses at zero. The assessed value is therefore land only at about 13.52 million yen, or 125.2% of the 10.80 million yen asking price. The roadside value has risen 21.7% in three years from 115,000 yen/sqm in 2024.

Even valuing the building at zero, the land assessment exceeds the price — this is a land-value proposition. Site photographs show the frontage road and the plot are flat, with no step or retaining wall. Note that the utilities field lists a well, so we recommend confirming the mains water connection on site.

Estimated Financing

Assessed value ¥13,517,000 → estimated loan ¥10,400,000 (100% of the asking price)

Actual loan availability, amounts and terms are subject to each bank's screening.

Suggested Lenders

静岡銀行
Regional bankLand-value focusedStrong with detached housesGood with older buildings
本業年収700万円以上が検討対象。 相続税路線価から算出した「土地の積算」が60%以上出ていれば、基本的にフルローンとなる。 修正後バランスシートも重視しており、属性枠だけで終了する訳ではない為、可能な限り「土地」が高積算の物件を買い進めていきたい。
L&Fアセットファイナンス
Non-bank lenderLand-value focusedStrong with detached housesGood with older buildings
土地値が出る築古系が得意。 属性はほぼ問わない。 どんなに担保評価が付いたとしても8割融資が目安。 建物の価値に対してはほぼ担保評価を付けてくれない為、新築や築浅の物件は要注意。 但し、建売の売れ残りや変形地等の場合は、土地が広くて担保評価が伸びたり、賃料が高くて収益還元評価が伸びたりして、思わずハマるケースがある。 また、産休中でも行けた、貴重な存在の金融機関である。
関西みらい銀行
Regional bankAssessed-value focusedStrong with detached houses
土地から新築OK。 築古過ぎず、好立地で積算割合が高く、キャッシュフローが回る物件であれば、検討対象となる。 産休中はNG。 築古過ぎる場合は、信用金庫・信用組合のセゾンファンデックス保証付の不動産担保ローンが適す。

General tendencies of lenders covering this area, for information only. This does not guarantee or suggest any specific financing outcome.

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