積算100
JR横浜線 小机駅から徒歩15分、横浜市港北区鳥山町の中古戸建てのイメージ
Assessed 108.5%Detached houseKohoku Ward, Yokohama, KanagawaKozukue Sta. 15 min walk

[Assessed 108.5%] Detached house in Kohoku Ward, Yokohama — 15 min from Kozukue Sta.

Published: Sep 6, 2026Updated: Sep 18, 2026

Property Overview

LocationKohoku Ward, Yokohama, Kanagawa
Nearest StationJR Yokohama Line Kozukue Sta.
Walk15 min walk
Assessed Ratio108.5%Assessed 108.5%
Price¥12,800,000
TypeDetached house
StructureWooden
BuiltBuilt Sep 1983 (43 years old)
Land Area106.81㎡
Building Area71.21㎡

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¥13,885,300
Building assessed value¥0
Total assessed value¥13,885,300
Asking price¥12,800,000
Assessed ratio108.5%

Calculation basis

  • Land = road price ¥130,000/m² × land area 106.81m²
  • Building = replacement cost ¥220,000/m² × floor area 71.21m² × remaining life 0y ÷ statutory life 22y
  • Built Sep 1983 (43 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +4.0%
YearRoad price (JPY/m²)YoY
2024125,000
2025130,000+4.0%
2026130,000±0.0%

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 repeat the listing, we checked the figures against the FY2026 roadside land price map (sheet 67092) and elevation data from the Geospatial Information Authority of Japan. Because the listing has no site photographs, we also set out what we could not judge.

Locating the road price

We opened the FY2026 roadside price map (sheet 67092) and located the site by calibrating the listing's map coordinates against two landmarks on the same sheet, Toriyama Pond Park and Toriyamacho Park. The surrounding streets range from 125D to 145D, and the arterial Yokohama-Kamiasao road at 190D to 255C is a different class we did not use. We took 130,000 yen per sq m from the residential street the site fronts. Even the cheapest 125D band gives 90.2%, so the choice of band does not change the conclusion.

View source
Effective land area

There is no private road burden, no flagpole strip and no stated slope area, so the listed 106.81 sq m is used as the effective residential land. A road narrower than 4 m may require a future setback, but the listing states no setback area, so nothing has been deducted.

Building valuation assumptions

Wooden construction, built September 1983, now 43 years old. That exceeds the 22-year statutory service life, so the building's assessed value is zero. No renovation history is listed, and the listing text itself assumes the buyer will renovate.

On-site check from photos

The only image is a single floor plan; there are no site photographs. We confirmed in the page HTML that the four remaining gallery slots hold the portal's own no-photo placeholder, so this is not a retrieval failure on our side. Other portals and the agent's own website carried no duplicate listing, so the photographs could not be supplemented.

Rights and restrictions

The land is freehold, no other restrictions are listed, and there is no mention of a cliff ordinance or a proviso road. The frontage road is 2.8 m wide on the north side, and the listing states the house meets the post-1981 seismic code and can be rebuilt.

Listing check

The listing was published on 5 September 2026 with a next update date of 13 September. The text says a video will be posted shortly, which reads as a new listing whose photographs are not yet ready.

What We Could Not Confirm

  • We could not determine whether there is a retaining wall. With no site photographs, the treatment of the plot boundaries is unreadable.
  • The level difference between the street and the plot, and whether the entrance is reached by steps, are also unconfirmed. Elevation data shows this area is sloping ground.
  • Whether the plot is a flagpole lot is unknown. The listing carries no site plan or survey drawing, so the shape of the land cannot be read.
  • The condition of the exterior and interior is unknown. At 43 years old and unrenovated, the repair cost needs an on-site inspection.
  • Whether the 2.8 m frontage road is an Article 42-2 road, and how much setback a rebuild would require, are not stated in the listing.

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

Fuji Toriyama
5 min walk from the station

A supermarket listed at a 5-minute walk (330 m). This is the main option for everyday shopping.

Source
My Basket Kohoku Sugeta Doro
8 min walk from the station

A small supermarket listed at an 8-minute walk (610 m), open late enough to stop by on the way home.

Source
7-Eleven Yokohama Toriyamacho Higashi
10 min walk from the station

A convenience store listed at a 10-minute walk (776 m). A Lawson sits at a similar distance.

Source

Neighborhood ② Dining Near the Station

Toriyama
1 min walk from the station

A local eatery in Toriyamacho, about 30 m from the district centroid on OpenStreetMap.

Source
Shabu-yo Yokohama Toriyama
5 min walk from the station

A shabu-shabu restaurant on Route 2, about 330 m from the district centroid and suited to family meals out.

Source

About This Property

A pre-owned detached house in Toriyamacho, Kohoku Ward, Yokohama, a 15-minute walk from Kozukue Station on the JR Yokohama Line. Built in September 1983, it is a two-storey wooden 4LDK with 106.81 sq m of land and 71.21 sq m of floor area, priced at 14.8 million yen. The land is held in freehold, and the zoning is Category I exclusively low-rise residential (50% building coverage, 80% floor area ratio). There is a car space, mains water and public sewerage, and individual LPG.

On the FY2026 roadside land price map (sheet 67092), the residential street closest to the site is priced at 130,000 yen per sq m. There is no private road burden and no flagpole strip, so we treat the listed 106.81 sq m as the effective residential land. The building is 43 years old against a 22-year statutory service life for timber, so its assessed value is zero and the ratio rests on the land alone. The roadside price rose from 125,000 yen in 2024 to 130,000 yen in 2025 and held there in 2026.

The point to watch is that the listing carries no site photographs at all. Only a floor plan is posted, and the remaining gallery slots are the portal's own placeholder images. We checked the other property portals and the listing agent's own website, found no duplicate listing, and were therefore unable to judge retaining walls, any step up from the street, stepped access, whether the plot is a flagpole lot, or the condition of the exterior. Elevation data from the Geospatial Information Authority of Japan, sampled every 10 m, shows the area dropping about 10 m over 60 m to the east, so this is sloping ground. Please check the level difference on site.

The frontage road is 2.8 m wide on the north side, short of the 4 m the Building Standards Act assumes. If it is a Article 42-2 road, a rebuild would require setting back 2 m from the road centreline, reducing usable land. No setback area is stated in the listing, so we have not deducted it; assuming an 8 m frontage and a 0.6 m setback, the ratio would still be 89.6%. The listing states the house meets the post-1981 seismic code and can be rebuilt, so confirm the road classification and setback with the municipal road register.

Estimated Financing

Assessed value ¥13,885,300 → 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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