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[Assessed 116.2%] Detached house, 5 min from Tsurumi-Ono Station, Tsurumi Ward, Yokohama, Kanagawa
Assessed 116.2%Detached houseTsurumi Ward, Yokohama, KanagawaTsurumi-Ono Sta. 5 min walk

[Assessed 116.2%] Detached house, 5 min from Tsurumi-Ono Station, Tsurumi Ward, Yokohama, Kanagawa

Published: Aug 29, 2026Updated: Aug 29, 2026

Property Overview

LocationTsurumi Ward, Yokohama, Kanagawa
Nearest StationJR Tsurumi Line Tsurumi-Ono Sta.
Walk5 min walk
Assessed Ratio116.2%Assessed 116.2%
Price¥12,800,000
TypeDetached house
StructureWooden
BuiltBuilt Jun 1968 (58 years old)
Land Area82.64㎡
Building Area77.7㎡

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¥14,875,200
Building assessed value¥0
Total assessed value¥14,875,200
Asking price¥12,800,000
Assessed ratio116.2%

Calculation basis

  • Land = road price ¥180,000/m² × land area 82.64m²
  • Building = replacement cost ¥220,000/m² × floor area 77.7m² × remaining life 0y ÷ statutory life 22y
  • Built Jun 1968 (58 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +5.9%
YearRoad price (JPY/m²)YoY
2024170,000
2025175,000+2.9%
2026180,000+2.9%

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

How We Checked This Property

This listing had exactly one photo: a floor plan. With no exterior and no street view, nothing could be judged from images. On that basis, here is what we could establish from reading the roadside value map and from national elevation data.

Locating the road price

We opened the National Tax Agency's fiscal 2026 roadside value map 63071 and read the southern half of Shimonoya-cho 4-chome. The residential streets running south from the east-west arterial (215D-225C) are all 180D, the most common value in the district. Lot annotations 33-5 and 37-37 and Shimonoya-cho Second Park sit adjacent to this 180D band, which confirmed on the map that the band belongs to Shimonoya-cho 4-chome rather than neighbouring Onocho. The service road along the Sangyo Doro is 190D. The northern half of the district appears on a different sheet (63064), where residential streets run 195D-235D, one step higher. We took the conservative southern figure of 180,000 yen/sqm. The three-year series was matched by following the same street on the same sheet 63071: 170,000 yen in fiscal 2024, 175,000 in 2025 and 180,000 in 2026 — three consecutive rises. The leasehold ratio symbol is D (60%) throughout, and there is no multiplier-area notation. The roadside value needed to reach an 80% assessed ratio is 123,911 yen/sqm, below every band in Shimonoya-cho 4-chome (180D-235D), so a modest error in locating the plot would not change the conclusion.

View source
On-site check from photos

The only photo in the listing is a floor plan; there are no exterior or street-frontage shots at all. This is not a retrieval failure — none exist. The image URL in the SUUMO HTML is a single floor plan with the remaining slots filled by placeholders, the same property on HOME'S is marked "1 image", and the photo gallery on the handling agent's own site (property number 106971903), which supplies the portals, also holds only the floor plan. Retaining wall heights, steps up from the road, stepped access and whether the house shares party walls are therefore all unverified. In place of photos we sampled 25 points across roughly 270 sqm around the site using the Geospatial Information Authority elevation API: 1.2 to 1.9 m above sea level, with a spread of 0.7 m across the whole area. This is flat lowland along the Tsurumi River, leaving almost no room for a retaining wall or road step of 1 m or more. The 5 m mesh cannot resolve a 1 m step at the level of a single plot, however, and elevation says nothing about party walls.

View source
Effective land area

We treated the registered 82.64 sqm as the effective residential land area in full. SUUMO records the private road burden as "none", and the structured fields on the handling agent's own site show no private road area, no setback, no flagpole strip, no sloped portion and no high-voltage line easement, so no deduction arises. The land category is residential.

Building valuation assumptions

Wooden construction, built June 1968, 58 years old. That is 36 years past the 22-year statutory useful life for wooden structures, so the remaining life is zero and the building's assessed value is counted as zero. The 116.2% assessed ratio therefore comes from the land alone. The building is a 7K layout with 77.7 sqm of floor area (measured): entrance, dining kitchen, bathroom, Japanese-style toilet and three Japanese rooms on the ground floor; a separate entrance, kitchen, Japanese-style toilet, two Western rooms and a drying area upstairs.

Rights and restrictions

The land is held in freehold, in an urbanisation promotion area zoned Category I Residential. However, building coverage and floor area ratios are shown as "-" on both SUUMO and the agent's site. The frontage field is also "-", so neither the direction nor the width of the road is known. "Other restrictions" and "other legal restrictions" are likewise "-", and nothing anywhere in the listing mentions non-rebuildable status, cliff ordinances, retaining walls or proviso roads.

Listing check

The house is vacant with immediate handover, and the transaction type is brokerage. Utilities are mains water and city gas; there is no parking. Information was provided on 28 August 2026, with the next update due 5 September 2026. The same property appears on HOME'S and on the handling agent's own site, with matching details.

View source

What We Could Not Confirm

  • With no site photos at all, retaining walls, steps up from the road, stepped access and party-wall construction are all unverified. Elevation data confirms flat ground, but everything that only a photograph can show remains open. A site visit is recommended.
  • This is a small plot of 82.64 sqm with a 77.7 sqm building, in a dense neighbourhood close to Tsurumi-Ono Station. Without photos, shared party walls cannot be ruled out. A row house cannot be rebuilt independently, so this needs checking on site or in the registry.
  • The listing does not state the direction or width of the frontage road. If it is under 4 m, a setback would be required, reducing the effective land area and the assessed ratio with it. Building coverage and floor area ratios are also missing, so rebuilding volume must be confirmed with the municipal office.
  • The house is 58 years old and wooden. It is beyond the useful life banks work to, so loan terms may be short or the building may not be financeable at all. Both toilets are Japanese-style squat units, so a rental conversion would need a fixtures budget.

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

Life Shimonoya
7 min walk from the station

Supermarket about 370 m from Tsurumi-Ono Station, about 450 m from the property.

Source
FamilyMart
4 min walk from the station

About 235 m from Tsurumi-Ono Station and about 120 m from the property — the nearest convenience store.

Source
Maibasuketto
10 min walk from the station

Small supermarket about 610 m from Tsurumi-Ono Station, about 580 m from the property.

Source

Neighborhood ② Dining Near the Station

Kasei Hanten
4 min walk from the station

Chinese restaurant about 215 m from Tsurumi-Ono Station, about 130 m from the property.

Source
Sanpomichi
7 min walk from the station

Cafe about 400 m from Tsurumi-Ono Station, about 180 m from the property.

Source

About This Property

A 12.8 million yen used detached house in Shimonoya-cho 4-chome, Tsurumi Ward, Yokohama, a 5-minute walk from Tsurumi-Ono Station on the JR Tsurumi Line, with Bentenbashi (12 min) and Kokudo (13 min) also within reach. Land 82.64 sqm, building 77.7 sqm, wooden two-storey, 7K layout, built June 1968 (58 years old). Each floor has its own entrance, kitchen and toilet, giving it a two-household layout.

The assessed ratio is 116.2%. The inheritance-tax roadside land value for fiscal 2026 is 180,000 yen/sqm (roadside value map 63071). Multiplied by 82.64 sqm, that gives 14.87 million yen, above the 12.8 million yen asking price. The building is 36 years past the 22-year statutory useful life for wooden structures, so its assessed value is counted as zero — the land alone exceeds the price. The roadside value has risen three years running: 170,000 yen in 2024, 175,000 in 2025 and 180,000 in 2026.

That said, the listing is unusually thin on information. The only photo is a floor plan; there is not a single exterior or street-frontage shot. We checked three separate sources — SUUMO, HOME'S and the handling agent's own site — and all carried the floor plan alone. That means retaining walls, steps up from the road, stepped access and the possibility of a party-wall row house are all unverified. The listing also leaves the frontage direction and road width blank, along with the building coverage and floor area ratios.

On terrain, we sampled 25 points across roughly 270 sqm around the site using the Geospatial Information Authority elevation data: 1.2 to 1.9 m above sea level, a spread of only 0.7 m. This is flat lowland along the Tsurumi River, so a retaining wall or step of 1 m or more is unlikely. The 5 m mesh data cannot resolve steps at the level of an individual plot, however. With 82.64 sqm of land and 77.7 sqm of building in a dense neighbourhood close to the station, the possibility of shared party walls also remains.

The house is vacant with immediate handover, mains water and city gas are connected, and there is no parking. Both toilets are Japanese-style squat units. The price is below land value on paper, but a good deal remains that only a site visit can settle.

Estimated Financing

Assessed value ¥14,875,200 → 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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