積算100
[Assessed 81%] Detached house in Matsudo, Chiba — 17 min from Kita-Kogane Sta.
Listing endedAssessed 81%Detached houseMatsudo, ChibaKita-Kogane Sta. 17 min walk

[Assessed 81%] Detached house in Matsudo, Chiba — 17 min from Kita-Kogane Sta.

Published: Updated:

Property Overview

LocationMatsudo, Chiba
Nearest StationJR Joban Line Kita-Kogane Sta.
Walk17 min walk
Assessed Ratio81%Assessed 81%
Price¥32,900,000
TypeDetached house
StructureWooden
BuiltBuilt Feb 2026 (0 years old)
Land Area105.63㎡
Building Area89.42㎡

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¥32,900,000View listing

Assessed Value Breakdown

Land assessed value¥6,991,050
Building assessed value¥19,672,400
Total assessed value¥26,663,450
Asking price¥32,900,000
Assessed ratio81%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 89.42m² × remaining life 22y ÷ statutory life 22y
  • Built Feb 2026 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +17.3%
YearRoad price (JPY/m²)YoY
202481,000—
202587,000+7.4%
202695,000+9.2%

※ 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 derived and deducted the flagpole's pole from the plot drawing's dimensions, and supplemented the photo-less listing from another portal.

Effective land area

Per the plot drawing this is a flagpole plot: a 73.59 m² flag and a pole about 2.1–2.9 m wide by 12.25 m deep. We deducted the 32.04 m² pole and valued the land on 73.59 m². Without the deduction the ratio would be 90.3%.

On-site check from photos

With no site photos in the source listing, we drew on the same property's listing elsewhere (unit 2 of the same subdivision). The 4.0 m public road to the north is flat with the parking slab at road level; the existing boundary retaining wall counts three joints — about 0.6 m — and the entrance stair four steps, about 0.6 m: all under the 1 m exclusion threshold. Laser-grade elevation data likewise shows gentle gradients.

Locating the road price

Matching the other portal's property coordinates against block coordinates fixed the sheet, and we adopted ¥95,000/m². The only sub-80% case is the ¥84,000/m² cul-de-sac about 250 m south, which the calibration rules out for this plot.

View source
Building valuation assumptions

New-build completed February 2026 with 22 years remaining; the ¥19.67M building carries 74% of the assessed value.

What We Could Not Confirm

  • Walk times to the station vary from 15 to 17 minutes between listings; we took the longer 17. Marketed for rental, but the yield is undisclosed.

※ 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

7-Eleven Matsudo Kiyoshigaoka 3-chome
18 min walk from the station

About 229 m from the property. A convenience store. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source
Commodity Iida Kita-Kogane
11 min walk from the station

About 583 m from the property. A supermarket. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source

Neighborhood ② Dining Near the Station

Taishoken
17 min walk from the station

About 73 m from the property. A ramen shop. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
Goemon
16 min walk from the station

About 78 m from the property. A restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source
Hoshino Coffee
16 min walk from the station

About 122 m from the property. A cafe. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing. OpenStreetMap has no branch name registered, so only the chain name is given.

Source

About This Property

A newly built detached house in Kogane-Kiyoshigaoka 4-chome, Matsudo, Chiba, a 17-minute walk from Kita-Kogane Station on the JR Joban Line. Completed in February 2026. A ramen shop is 73 m from the property, a convenience store 229 m and a Commodity Iida supermarket 583 m.

The land is 105.63 sqm and the wood-frame two-storey building has a floor area of 89.42 sqm, newly built in February 2026. The land is freehold with no private-road burden, fronting a 4.0 m public road on the north side. Zoning is Category 1 low-rise exclusive residential with a 50% building coverage ratio and 100% floor area ratio. The layout is 3LDK plus a walk-in closet — an 18-mat living-dining-kitchen on the ground floor and 8-mat, 6-mat and 6-mat western rooms above. There is tandem parking for one car; the house is vacant and available immediately.

Against the 32,900,000 yen asking price, the land assessed value at the inheritance-tax road price of 95,000 yen/sqm comes to 6.99 million yen, and the newly built structure to 19.67 million yen — 26.66 million yen in total, an assessed ratio of 81.0%. Note that this is a flag-shaped lot, so the assessment uses the 73.59 sqm that remains after deducting the 32.04 sqm access strip. The road price has risen 17.3% over three years from 81,000 yen in 2024.

The Kenbiya listing had no photographs of the property, so we judged it from photographs in the SUUMO listing for the same house. Please see the research notes.

Estimated Financing

Assessed value ¥26,663,450 → estimated loan ¥26,660,000 (81% of the asking price)

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

Suggested Lenders

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。
滋賀銀行
Regional bankAssessed-value focusedStrong with detached houses
土地から新築OK。 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。 但し、産休中はNG。
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融資
Shinkin bankAssessed-value focusedStrong with detached houses
築古でも可。 築年数は問わず、土地の積算さえ出ていれば、20年程度の期間で融資してくれるケースが多い。 但し、立地が良くないと、担保評価が付かず取扱不可となる。 新築や築浅に関しても、建物の価値を適切に判断してくれる為、やりやすい。

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

Listing endedThe listing for this property has ended. The information reflects the time of listing and the property is no longer available.

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。

More articles on the blog
[Assessed 93.2%] Land in Funabashi, Chiba — 13 min from Kamagaya-Daibutsu Sta.
Assessed 93.2%
Source: SUUMO
Land

[Assessed 93.2%] Land in Funabashi, Chiba — 13 min from Kamagaya-Daibutsu Sta.

Funabashi, ChibaKeisei Matsudo Line Kamagaya-Daibutsu Sta. 13 min walk
¥4.9M
[Assessed 82.9%] Detached house in Funabashi, Chiba — 5 min from Maebara Sta.
Assessed 82.9%
Source: Kenbiya
Detached house

[Assessed 82.9%] Detached house in Funabashi, Chiba — 5 min from Maebara Sta.

Funabashi, ChibaKeisei Matsudo Line Maebara Sta. 5 min walk
¥41.8M
船橋市夏見台5丁目の一棟アパート(イメージ)
Assessed 81.5%
Source: athome
Apartment building

[Assessed 81.5%] Apartment building in Funabashi, Chiba — 15 min from Tsukada Sta.

Funabashi, ChibaTobu Noda Line Tsukada Sta. 15 min walk
¥65MExpected Yield 7.33%