積算100
神奈川県横浜市中区本牧満坂の中古戸建
Assessed 118.8%Detached houseNaka Ward, Yokohama, KanagawaYamate Sta. 20 min walk

[Assessed 118.8%] Detached house in Naka Ward, Yokohama, Kanagawa — 20 min from Yamate Sta.

Published: Aug 13, 2026Updated: Aug 13, 2026

Property Overview

LocationNaka Ward, Yokohama, Kanagawa
Nearest StationJR Negishi Line Yamate Sta.
Walk20 min walk
Assessed Ratio118.8%Assessed 118.8%
Price¥12,800,000
TypeDetached house
StructureWooden
BuiltBuilt May 1993 (33 years old)
Land Area78㎡
Building Area81㎡

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¥12,800,000View listing

Assessed Value Breakdown

Land assessed value¥15,210,000
Building assessed value¥0
Total assessed value¥15,210,000
Asking price¥12,800,000
Assessed ratio118.8%

Calculation basis

  • Land = road price ¥195,000/m² × land area 78m²
  • Building = replacement cost ¥220,000/m² × floor area 81m² × remaining life 0y ÷ statutory life 22y
  • Built May 1993 (33 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +8.3%
YearRoad price (JPY/m²)YoY
2024180,000
2025185,000+2.8%
2026195,000+5.4%

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

About This Property

A 20-minute walk from Yamate Station on the JR Negishi Line, this detached house sits in Honmoku-Manzaka, Naka Ward, Yokohama. Motomachi-Chukagai on the Minatomirai Line is 32 minutes on foot, and the Otori-iriguchi bus stop is 7 minutes away. An OK supermarket stands roughly 490 m from the property and a Shokuhinkan Aoba about 600 m away; the listing puts Otori Elementary School 4 minutes on foot.

The building is a two-storey wooden house completed in May 1993, with a floor area of 81 sqm laid out as a 4DK. The land is 78 sqm of freehold with no private-road burden. Zoning is Category I Low-rise Exclusive Residential, with 60% building coverage and 100% floor area ratios, in a quasi-fire-prevention district. Mains water, public sewerage and city gas are available; there is no parking. The interior is unrenovated.

The inheritance-tax roadside land value is 195,000 yen per sqm, putting the land component at 15.21 million yen. The building is 33 years old, past the 22-year statutory life for wooden construction, so its assessed value is zero. Against the asking price of 12.8 million yen the assessed ratio works out to 118.8% — the land value alone comfortably exceeds the asking price. The roadside value has risen for three straight years from 180,000 yen in 2024, up 8.3% in total.

The listing carries only a floor plan and a promotional image, with no photographs of the site, so retaining walls and the road frontage could not be checked. The width of the road in front is also unrecorded, and as the place name suggests this is sloping terrain. Please see the research notes below.

Estimated Financing

Assessed value ¥15,210,000 → estimated loan ¥12,800,000 (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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