積算100
[Assessed 93.8%] Detached house in Matsudo, Chiba — 12 min from Koganejoshi Sta.
Assessed 93.8%Detached houseMatsudo, ChibaKoganejoshi Sta. 12 min walk

[Assessed 93.8%] Detached house in Matsudo, Chiba — 12 min from Koganejoshi Sta.

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

Property Overview

LocationMatsudo, Chiba
Nearest StationRyutetsu Nagareyama Line Koganejoshi Sta.
Walk12 min walk
Assessed Ratio93.8%Assessed 93.8%
Price¥29,800,000
TypeDetached house
StructureWooden
BuiltBuilt May 2016 (10 years old)
Land Area173.19㎡
Building Area100.19㎡

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.

athome¥29,800,000View listing

Assessed Value Breakdown

Land assessed value¥15,922,800
Building assessed value¥12,022,800
Total assessed value¥27,945,600
Asking price¥29,800,000
Assessed ratio93.8%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 100.19m² × remaining life 12y ÷ statutory life 22y
  • Built May 2016 (10 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +20.0%
YearRoad price (JPY/m²)YoY
2024100,000
2025110,000+10.0%
2026120,000+9.1%

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 taking the listing at face value, we traced every local road in Okanehira 5-chome on the 2026 rosenka map, estimated and deducted the access strip of the flag lot from photos, and checked the frontage and level differences in the four site photos.

Locating the road price

On the 2026 rosenka maps (sheets 09007 and 09003) we traced every local road in Okanehira 5-chome: 88,000-90,000 yen/sqm in the north, 95,000-105,000 in the middle and 120,000 in the south. The most frequent value, 120,000 yen/sqm, is the representative value; the three-year trend is 100,000 -> 110,000 -> 120,000. However, the 12-minute walk (about 932 m), Sengen Park at 180 m and the river and school visible at the end of the front-road photo place the property on the northern band (88,000-90,000 yen/sqm). At that band the ratio is 79.5-80.4%.

View source
Effective land area

Registered land is 173.19 sqm, but the lot is flag-shaped with a 2.7 m frontage on the public road. No listing states the depth of the strip and there is no site plan, so from the tandem parking and lawn path in the photos we estimated about 15 m and deducted 40.5 sqm, leaving 132.69 sqm of effective land. A 10 m strip gives 99.2%, 20 m gives 88.3%, and no deduction 110.1%.

Building valuation assumptions

A two-story wooden house built in May 2016, i.e. 10 years old, valued with 12 of the 22 statutory years remaining. The 100.19 sqm floor area is living space without a built-in garage, and the figure matches across all three listings (athome, SUUMO and the broker's site).

On-site check from photos

We checked the four listing photos (exterior, entrance, front road, garden). The 4 m public road is flat with no step to the lot; the porch step is about 15 cm. The hedge on the path side is about 2.5 m tall but the ground is level on both sides, and the southern boundary is two to three blocks and mesh fencing with a ground difference under 0.2 m. No retaining wall, stair access or slope is visible. The far eastern and southern boundaries are not in the photos.

Listing check

The same property is listed on SUUMO (provided 14 Sep 2026) and on the broker's own site at the same price and area. All three agree on freehold and no private-road burden, and none mentions a rebuilding ban or disclosure items.

What We Could Not Confirm

  • The road the property fronts appears to carry the lowest band in the district, 88,000-90,000 yen/sqm. Because this site uses the most frequent value in the district (120,000 yen/sqm), the published ratio is higher than the 79.5-80.4% obtained from the frontage band.
  • The depth of the access strip is not given in any listing; we estimated about 15 m from photos. A survey drawing is needed; at 20 m the ratio is 88.3%, and it rises if the lot is L-shaped with a shorter strip.
  • The far eastern and southern boundaries do not appear in the photos, so we could not confirm whether there is a retaining wall or level difference there.
  • The lot number is undisclosed; the location was inferred as the north of 5-chome from walking time, distance to the park and the scenery in the photos. Confirming the parcel requires an inquiry to the broker.
  • The owner is in residence and the handover date is negotiable. No rent or yield is stated.

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

Create S.D. Matsudo Okanehira
10 min walk from the station

About 250 m from the property according to the listing. A drugstore carrying groceries and daily goods.

Source
FamilyMart Matsudo Okanehira
6 min walk from the station

About 380 m from the property according to the listing. A convenience store on the station side of the district.

Source
Keihoku Super Hiregasaki
10 min walk from the station

About 390 m straight-line from the centroid of Okanehira 5-chome (checked on OpenStreetMap). A grocery supermarket on the Nagareyama side.

Source

Neighborhood ② Dining Near the Station

CoCo Ichibanya near Koganejoshi Sta.
4 min walk from the station

About 320 m from Koganejoshi Station (checked on OpenStreetMap). A curry chain restaurant.

Source
Hotto Motto Matsudo Okanehira
9 min walk from the station

About 690 m from Koganejoshi Station (checked on OpenStreetMap). A take-out bento shop.

Source
Katsu-chan (Chinese)
7 min walk from the station

About 390 m straight-line from the centroid of Okanehira 5-chome (checked on OpenStreetMap). A local Chinese restaurant.

Source

About This Property

A pre-owned detached house in Okanehira 5-chome, Matsudo City, Chiba, a 12-minute walk (about 932 m) from Koganejoshi Station on the Ryutetsu Nagareyama Line. Kita-Kogane and Minami-Nagareyama on the JR Joban Line are also within daily reach. The listing cites Create S.D. Matsudo Okanehira (250 m), FamilyMart Matsudo Okanehira (380 m), Sengen Park (180 m) and Koganekita Elementary School (700 m). The site is in a Category 1 low-rise residential zone (building coverage 50%, floor-area ratio 100%) with landscape-law restrictions, a height limit and an Article 22 fire-prevention designation.

The house is a two-story wooden 4LDK built in May 2016 (10 years old) with a 15.1-tatami LDK and attic storage; floor area 100.19 sqm, land 173.19 sqm (registered). Freehold, no private-road burden, no setback required. Frontage is 2.7 m on a 4.0 m public road to the north; the lot is a flag-shaped parcel whose access strip the listing describes as parking for three cars in tandem. ⚠️ None of the listings (athome, SUUMO or the broker's own site) gives the depth of the strip and there is no site plan, so we estimated it from photos at 2.7 m x about 15 m (about 40.5 sqm) and used the remaining 132.69 sqm as effective land for the assessment.

For the assessment we traced every local road in Okanehira 5-chome on the 2026 rosenka map and adopted the most frequent value, 120,000 yen/sqm (leasehold class D). Land comes to about 15.92 million yen and the building, with 12 years of statutory life remaining, about 12.02 million yen, for a total of about 27.95 million yen, or 93.8% of the 29.8 million yen asking price. ⚠️ However, the band along what appears to be the property's own frontage, in the north of 5-chome, is 88,000-90,000 yen/sqm, the lowest in the district; using it, the ratio falls to 79.5-80.4%. A 10 m strip gives 99.2% and a 20 m strip 88.3%.

In the four site photos the front road is flat asphalt with no step between road and lot, and the boundaries with neighbours are blocks and hedges under 1 m; no retaining wall or stair access is visible. The owner is in residence and handover is negotiable; exclusive agency by My Estate Co. (HouseDo Mabashi-ekimae). No rent or yield is stated; the property is marketed as an owner-occupier home.

Estimated Financing

Assessed value ¥27,945,600 → estimated loan ¥27,940,000 (94% 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.

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