積算100
横浜市南区別所3丁目の戸建(掲載元に現地写真なし)
Assessed 166.7%Detached houseMinami Ward, Yokohama, KanagawaKamiooka Sta. 15 min walk

[Assessed 166.7%] Detached house in Minami Ward, Yokohama, Kanagawa — 15 min from Kamiooka Sta.

Published: Sep 17, 2026Updated: Sep 17, 2026

Property Overview

LocationMinami Ward, Yokohama, Kanagawa
Nearest StationKeikyu Main Line Kamiooka Sta.
Walk15 min walk
Assessed Ratio166.7%Assessed 166.7%
Price¥14,800,000
TypeDetached house
StructureWooden
BuiltBuilt Jun 1976 (50 years old)
Land Area180.16㎡
Building Area92.74㎡

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¥14,800,000View listing

Assessed Value Breakdown

Land assessed value¥24,673,200
Building assessed value¥0
Total assessed value¥24,673,200
Asking price¥14,800,000
Assessed ratio166.7%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 92.74m² × remaining life 0y ÷ statutory life 22y
  • Built Jun 1976 (50 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.6%
YearRoad price (JPY/m²)YoY
2024140,000
2025140,000±0.0%
2026145,000+3.6%

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 copying the listing, we checked the 2026 land-value maps, the same property on other portals and national elevation data to confirm the figures and terrain.

Locating the road price

We traced the local streets of Bessho 3-chome on the 2026 land-value map (sheet 66066). Values range from JPY 140,000 to 250,000/m², and we adopted the most common figure, JPY 145,000/m². Judging from the station and bus stop in the listing, the property is likely in the upper band (JPY 195,000–230,000/m²), which would make the ratio even higher. The same street moved 140 → 140 → 145 thousand yen/m² over three years.

View source
Effective land area

The listing gives a 10 m² private-road burden without saying whether it is included in the lot or held as a share, so we deducted it as part of the lot and valued 170.16 m². Without the deduction the ratio is 176.5%; the conclusion is the same either way.

On-site check from photos

Neither the listing site, the other portal carrying the same property nor the broker's own site has a site photograph — only a floor plan. Instead we checked national 1 m elevation data around the area and found hilly terrain with 3–9 m of elevation change within 15 m. Level differences and retaining walls on the lot itself remain unconfirmed.

Listing check

The listing date is 14 September 2026, and the same property appeared on another portal on 13 September. Cross-checking three sources including the broker's site, the 10 m² private-road burden, no setback and the south private-road frontage are consistent.

What We Could Not Confirm

  • With no site photographs, retaining walls, steps from the frontage road and stair access are unconfirmed. Being a hilly district, a site visit is needed.
  • Whether the lot is a flag lot, whether the house is attached to a neighbour, and the condition of the exterior are also unconfirmed.
  • The frontage is described only as a private road on the south; its width, ownership share and excavation consent are not stated, which affects rebuildability.
  • No lot number is published, so the block within Bessho 3-chome is not identified. We used the lower band (JPY 145,000/m²) as the representative value.
  • The listing does not explain why the asking price is only about 60% of the land value by road price.

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

Ito-Yokado Yokohama-Bessho (supermarket)
14 min walk from the station

General supermarket at Bessho 1-14-1, about 620 m (straight-line) from the Bessho 3-chome reference point.

Source
Create SD Yokohama-Bessho 5-chome (drugstore)
17 min walk from the station

Drugstore at Bessho 5-2-27, about 170 m (straight-line) from the Bessho 3-chome reference point.

Source

Neighborhood ② Dining Near the Station

Izakaya Taiko
16 min walk from the station

Izakaya about 140 m (straight-line) from the Bessho 3-chome reference point.

Source
Shunsai Chuka Shabo (Chinese restaurant)
7 min walk from the station

Chinese restaurant about 480 m (straight-line) from the Bessho 3-chome reference point.

Source
Mattariya (cafe)
7 min walk from the station

Cafe about 560 m (straight-line) from the Bessho 3-chome reference point.

Source

About This Property

A two-storey wooden detached house in Bessho 3-chome, Minami Ward, Yokohama, a 15-minute walk from Kamiooka Station on the Keikyu Main Line. Kamiooka is a limited-express stop with direct trains to Yokohama and Shinagawa, and buses from Higashi-Totsuka Station (JR Yokosuka Line) stop at Bessho-Miyashita, three minutes away. The listed address stops at Bessho 3-chome; no lot number is published.

Built in June 1976 (50 years old), the house is a 5DK with 92.74 m² of floor space on a 180.16 m² (registered) south-facing lot fronting a private road on the south. Held in fee simple, with 60% coverage / 150% FAR, a 10 m² private-road burden, public water, sewer and city gas; currently vacant, handover by negotiation. The zoning and the width of the frontage road are not stated.

For the assessed value we used the most common local-street land value in Bessho 3-chome, JPY 145,000/m² (2026 figures), applied to 170.16 m² after deducting the 10 m² private-road burden as part of the lot. The building is beyond its statutory life, so it is valued at zero. The assessed value comes to 166.7% of the JPY 14.8 million asking price; without the private-road deduction it would be 176.5%, and even at the lowest local band of JPY 140,000/m² it is 161.0%. The land value has risen about 3.6% over two years from JPY 140,000/m² in 2024.

⚠️ Points to note: the listing carries only a floor plan and no site photographs, and neither the same property on other portals nor the broker's own site has an exterior photo. Bessho 3-chome is hilly ground west of Kamiooka Station, with 3–9 m of elevation change within 15 m according to national survey data, so retaining walls, steps from the frontage road and stair access are unconfirmed. The listing does not explain why the asking price is about 60% of the land value by road price (roughly JPY 24.7 million); the width and ownership share of the private road and rebuildability should be confirmed with the broker.

Estimated Financing

Assessed value ¥24,673,200 → estimated loan ¥14,800,000 (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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