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[Assessed 130.5%] Detached house in Kamagaya, Chiba — 9 min from Hatsutomi Sta.
Listing endedAssessed 130.5%Detached houseKamagaya, ChibaHatsutomi Sta. 9 min walk

[Assessed 130.5%] Detached house in Kamagaya, Chiba — 9 min from Hatsutomi Sta.

Published: Updated:

Property Overview

LocationKamagaya, Chiba
Nearest StationKeisei Matsudo Line Hatsutomi Sta.
Walk9 min walk
Assessed Ratio130.5%Assessed 130.5%
Price¥18,000,000
TypeDetached house
Expected Yield7.33%
StructureWooden
BuiltBuilt Nov 1981 (44 years old)
Land Area234.9㎡
Building Area202.88㎡

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¥18,000,000View listing

Assessed Value Breakdown

Land assessed value¥23,490,000
Building assessed value¥0
Total assessed value¥23,490,000
Asking price¥18,000,000
Assessed ratio130.5%

Calculation basis

  • Land = road price ¥100,000/m² × land area 234.9m²
  • Building = replacement cost ¥220,000/m² × floor area 202.88m² × remaining life 0y ÷ statutory life 22y
  • Built Nov 1981 (44 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +11.1%
YearRoad price (JPY/m²)YoY
202490,000—
202595,000+5.6%
2026100,000+5.3%

※ 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 repeating the listing, we checked the 2026 road price map and the exterior photographs to verify the road price printed on the agent's sheet, the step at the frontage and the actual income one by one.

Locating the road price

The agent's sheet gives a 2026 road price of 120,700 yen/sqm, but checking the official map shows the road serving this block at 100,000 yen/sqm, and even the road to the south at 110,000. Inheritance-tax road prices are published in thousands of yen, so a figure ending in 700 cannot be one. Our calculation uses the official 100,000 yen.

View source
Effective land area

The frontage road is about 3.64 m wide, short of 4 m, so we deducted the 2.35 sqm set-back area stated on the agent's sheet and calculated on 234.90 sqm. The private-road burden field is blank, and the sheet also states that the plot can be rebuilt on.

On-site check from photos

We enlarged two exterior photographs to check for steps. The shutters of the two-car built-in garage meet concrete that runs straight into the road, a step of one joint — 0.05 to 0.15 m. The boundary wall by the entrance stands about 1.5 m, but the ground is level on both sides of it, so it is not earth retention.

Rights and restrictions

The owner stays on under a sale-and-leaseback. The 110,000 yen a month is a set figure rather than a letting record with a third party, and the tenant bears the cost of repairs to interior fittings. The listing states that the house cannot be viewed while occupied and that the tenant must not be approached.

Building valuation assumptions

Built in November 1981, the house is 44 years old and well past the 22-year statutory life for wood-frame construction, so the building is assessed at zero. The land alone comes to 130.5%, so this is effectively a land-value proposition.

What We Could Not Confirm

  • The house cannot be viewed as it is occupied, so we have not been able to check the interior.
  • As the frontage road is under 4 m wide, the position of the 2.35 sqm set-back and how far the boundary has actually been moved back need checking on site.
  • The sale is as-is, and the seller nominates the judicial scrivener.

※ 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
11 min walk from the station

About 181 m from the property. A convenience store. Location confirmed on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
Belc
10 min walk from the station

About 283 m from the property. A supermarket. Location confirmed on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
Ito-Yokado
7 min walk from the station

About 284 m from the property. A supermarket. Location confirmed on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given.

Source

Neighborhood ② Dining Near the Station

Tonchan
9 min walk from the station

About 257 m from the property. A diner. Location confirmed on OpenStreetMap.

Source
Katsuya Chiba Kamagaya
7 min walk from the station

About 311 m from the property. A tonkatsu restaurant. Location confirmed on OpenStreetMap.

Source

About This Property

A detached house in 1-chome Tomioka, Kamagaya, Chiba, a 9-minute walk from Hatsutomi Station on the Keisei Matsudo Line. A convenience store is 181 m from the property and a supermarket 284 m.

The registered land area is 237.25 sqm and the wood-frame two-storey 6SLDK building has a floor area of 202.88 sqm. It was built in November 1981, and the land is freehold with no private-road burden. It sits in the urbanisation promotion area, zoned Category I residential with a 60% building coverage ratio and 200% floor area ratio. It meets a roughly 3.64 m public road on the north-east side, with a stated set-back area of 2.35 sqm. It has a built-in garage for two cars. The owner stays on under a sale-and-leaseback at 110,000 yen a month, a headline yield of 7.33%.

The inheritance-tax road price on the frontage is 100,000 yen/sqm. Our figures use 234.90 sqm after deducting the 2.35 sqm set-back. The land assessed value comes to 23.49 million yen, an assessed ratio of 130.5% against the 18 million yen price. At 44 years old the wood-frame building is past its 22-year statutory life, so it is assessed at zero. The road price has moved 90,000 yen in 2024, 95,000 yen in 2025 and 100,000 yen in 2026, a rise of 11.1% over three years.

Please note: the road price printed on the agent's sheet differs from what we found on the official map, and the house cannot be viewed as it is occupied. Please read the research notes.

Estimated Financing

Assessed value ¥23,490,000 → estimated loan ¥18,000,000 (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.

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。

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