積算100
千葉県松戸市岩瀬の一棟アパート
Assessed 89.8%Apartment buildingMatsudo, ChibaMatsudo Sta. 12 min walk

[Assessed 89.8%] Apartment building in Matsudo, Chiba — 12 min from Matsudo Sta.

Published: Updated:

Property Overview

LocationMatsudo, Chiba
Nearest StationJR Joban Line Matsudo Sta.
Walk12 min walk
Assessed Ratio89.8%Assessed 89.8%
Price¥25,200,000
TypeApartment building
StructureWooden
BuiltBuilt Sep 1977 (49 years old)
Land Area122.31㎡
Building Area133.84㎡

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.

Rakumachi¥25,200,000View listing

Assessed Value Breakdown

Land assessed value¥22,627,350
Building assessed value¥0
Total assessed value¥22,627,350
Asking price¥25,200,000
Assessed ratio89.8%

Calculation basis

  • Land = road price ¥185,000/m² × land area 122.31m²
  • Building = replacement cost ¥220,000/m² × floor area 133.84m² × remaining life 0y ÷ statutory life 22y
  • Built Sep 1977 (49 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +19.4%
YearRoad price (JPY/m²)YoY
2024155,000—
2025165,000+6.5%
2026185,000+12.1%

※ 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 corrected our own earlier road-price error and evaluated against all three listings of the same property.

Locating the road price

The ¥175,000/m² used in our initial evaluation was wrong — the calibration had landed on public-land blocks with no road price. We re-derived the lot number (Iwase 140) from a panel showing the same property, verified it against the distance from the station, and corrected to ¥185,000/m².

View source
Rights and restrictions

The frontage is a 1.9 m Article 42(2) private road. Rebuilding is possible but requires a setback of about 1.05 m from the road centreline, and at 1.9 m vehicles cannot enter. A second listing states the private-road burden as 0.00 m² — the lane is a separate parcel.

On-site check from photos

We opened every image across the three listings of this property: not one exterior or road photo exists — only interiors, floor plans and maps. Retaining walls, steps and stepped access are unassessed.

What We Could Not Confirm

  • With the frontage width of the plot undisclosed, the setback area cannot be computed, so we calculated on the listed 122.31 m². Conservatively allowing a 10–15 m² loss puts the ratio at 82.5–78.8% — possibly below 80%.
  • With no site photos, retaining walls and steps remain unverified.

※ 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

FamilyMart Matsudo Iwase
10 min walk from the station

About 138 m from the property. A convenience store, location confirmed on OpenStreetMap.

Source
7-Eleven
12 min walk from the station

About 312 m from the property. A convenience store, location confirmed on OpenStreetMap.

Source
Lawson Matsudo City Hall
14 min walk from the station

About 405 m from the property. A convenience store, location confirmed on OpenStreetMap.

Source

Neighborhood ② Dining Near the Station

Choshimaru Matsudo Iwase
10 min walk from the station

About 130 m from the property. A conveyor-belt sushi restaurant, location confirmed on OpenStreetMap.

Source
Apfel Coffee
11 min walk from the station

About 209 m from the property. A cafe, location confirmed on OpenStreetMap.

Source
Steak no Asakuma Matsudo
12 min walk from the station

About 288 m from the property. A steak restaurant, location confirmed on OpenStreetMap.

Source

About This Property

A 12-minute walk from Matsudo Station on the JR Joban Line, this apartment building sits in Iwase, Matsudo City, Chiba. The Joban Rapid reaches Ueno in about 20 minutes. A FamilyMart stands roughly 140 m from the property, a Choshimaru sushi restaurant about 130 m away and a cafe about 210 m away, with the city hall and shopping district within walking distance.

The building is a wooden structure completed in September 1977, with a floor area of 133.84 sqm across four units. The land is 122.31 sqm of freehold, and the listing records a private-road burden of 0.00 sqm. Note, however, that the frontage is a 1.9 m wide road designated under Article 42-2 of the Building Standards Act, so rebuilding requires a setback of about 1.05 m from the road centreline. Vehicles cannot enter.

The inheritance-tax roadside land value is 185,000 yen per sqm, putting the land component at 22.63 million yen. The building is 48 years old, past the 22-year statutory life for wooden construction, so its assessed value is zero. Against the asking price of 25.2 million yen the assessed ratio works out to 89.79%. The roadside value has risen for three straight years from 155,000 yen in 2024, up 19.4% in total — the steepest rise among the current candidates.

Deducting the setback area would lower the ratio: allowing for a loss of 10 to 15 sqm puts it in the range of 78.8% to 82.5%. The listing also carries no photographs of the site. Please see the research notes below.

Estimated Financing

Assessed value ¥22,627,350 → estimated loan ¥22,620,000 (90% 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 apartment buildingsGood 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 apartment buildingsGood 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 apartment buildings
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.

Ask About This PropertyWe offer purchase consultation, brokerage and consulting services.Found an error in this listing? Let us know here

Learn About Assessed Value and Financing

Our blog explains the basics you need to read the numbers on this page.

不動産担保ローンとは?手持ちの不動産で次の物件を買う方法
不動産担保ローン

不動産担保ローンとは?手持ちの不動産で次の物件を買う方法

不動産担保ローンは、持っている不動産を担保にお金を借りるローンです。仕組みや借りられる金額の目安、次の物件購入に使う方法、メリット・デメリットを解説します。

積算評価・担保評価とは?計算方法と調べ方をわかりやすく解説
不動産担保ローン

積算評価・担保評価とは?計算方法と調べ方をわかりやすく解説

積算評価(担保評価)とは、銀行が物件の担保価値を土地と建物から計算する方法です。計算式・再調達価格・法定耐用年数の目安、路線価を使った調べ方、融資が付きやすい物件の特徴を計算例つきで解説します。

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