積算100
[Assessed 102.6%] Detached house in Matsudo, Chiba — 15 min from Mabashi Sta.
Assessed 102.6%Detached houseMatsudo, ChibaMabashi Sta. 15 min walk

[Assessed 102.6%] Detached house in Matsudo, Chiba — 15 min from Mabashi Sta.

Published: Updated:

Property Overview

LocationMatsudo, Chiba
Nearest StationJR Joban Line Mabashi Sta.
Walk15 min walk
Assessed Ratio102.6%Assessed 102.6%
Price¥5,500,000
TypeDetached house
StructureWooden
BuiltBuilt Apr 1970 (56 years old)
Land Area53.73㎡
Building Area43.37㎡

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.

Kenbiya¥5,500,000View listing

Assessed Value Breakdown

Land assessed value¥5,641,650
Building assessed value¥0
Total assessed value¥5,641,650
Asking price¥5,500,000
Assessed ratio102.6%

Calculation basis

  • Land = road price ¥105,000/m² × land area 53.73m²
  • Building = replacement cost ¥220,000/m² × floor area 43.37m² × remaining life 0y ÷ statutory life 22y
  • Built Apr 1970 (56 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +16.7%
YearRoad price (JPY/m²)YoY
202490,000—
202598,000+8.9%
2026105,000+7.1%

※ 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 revisited an earlier exclusion after the criteria changed, cross-checking the step height with two scale references.

On-site check from photos

The exterior photo including the frontage road shows a step of about 0.30–0.35 m from road to plot (the rise of the concrete slab), cross-checked against block joints and a ground-floor window sill. Steps and retainers under 1 m do not meet this site's exclusion threshold. No stepped approach, slope or flagpole shape, and the roof and eaves are independent of the neighbour — not a row house.

Locating the road price

The narrow lane in front carries no road price, so we used the ¥105,000/m² of the block street the block fronts.

View source
Listing check

We had initially passed over this property because of the front step, but after the criteria were revised to allow height differences under 1 m, we re-examined the photos and now cover it.

What We Could Not Confirm

  • Any earth retainer on the neighbouring boundaries is outside the photo frame and unknown. The second-floor view shows no major height differences nearby, but we recommend checking the side and rear boundaries on site.

※ 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

Mommy Mart Nakawakura
16 min walk from the station

About 302 m from the property. A supermarket. Location confirmed on OpenStreetMap; distance measured straight-line from the map pin in the listing.

Source
Gyomu Super Yakkasaki
23 min walk from the station

About 352 m from the property. A supermarket. Location confirmed on OpenStreetMap; distance measured straight-line from the map pin in the listing.

Source
Big-A Matsudo Yakkasaki
23 min walk from the station

About 495 m from the property. A discount supermarket. Location confirmed on OpenStreetMap; distance measured straight-line from the map pin in the listing.

Source

Neighborhood ② Dining Near the Station

Choshiya
18 min walk from the station

About 115 m from the property. A restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the map pin in the listing.

Source
Sanpo Coffee Matsudo Yakkasaki
22 min walk from the station

About 466 m from the property. A cafe. Location confirmed on OpenStreetMap; distance measured straight-line from the map pin in the listing.

Source

About This Property

A detached house in Yakkasaki 6-chome, Matsudo, Chiba, a 15-minute walk from Mabashi Station on the JR Joban Line local service. Three supermarkets sit within a five-minute walk — Mommy Mart at 302 m, Gyomu Super at 352 m and Big-A at 495 m. Kita-Matsudo Station is also usable at 20 minutes on foot.

The land is 53.73 sqm by the register and the wood-frame two-storey 3DK building has a floor area of 43.37 sqm, built in April 1970. The land is freehold with no private-road burden. Zoning is Category 1 low-rise exclusive residential with a 50% building coverage ratio and 100% floor area ratio. It has LP gas, a well, a water heater, a separate bath and toilet, air conditioning and storage space. Pets, musical instruments and office use are all negotiable; there is no parking. The house is currently tenanted.

Against the 5,500,000 yen asking price, the land assessed value at the inheritance-tax road price of 105,000 yen/sqm comes to 5.64 million yen — an assessed ratio of 102.6%. The building is 56 years old, well beyond the 22-year statutory life for wood construction, so its assessed value is zero. The road price has risen 16.7% over three years from 90,000 yen in 2024.

Exterior photographs show only a 30 cm rise from the road to the site, with no retaining wall or stepped access. Please also see the research notes.

Estimated Financing

Assessed value ¥5,641,650 → estimated loan ¥5,500,000 (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.

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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