積算100
[Assessed 94.7%] Detached house in Suginami Ward, Tokyo — 15 min from Kamikitazawa Sta.
Assessed 94.7%Detached houseSuginami Ward, TokyoKamikitazawa Sta. 15 min walk

[Assessed 94.7%] Detached house in Suginami Ward, Tokyo — 15 min from Kamikitazawa Sta.

Published: Updated:

Property Overview

LocationSuginami Ward, Tokyo
Nearest StationKeio Line Kamikitazawa Sta.
Walk15 min walk
Assessed Ratio94.7%Assessed 94.7%
Price¥35,000,000
TypeDetached house
Expected Yield3.77%
StructureWooden
BuiltBuilt Nov 1987 (38 years old)
Land Area106.97㎡
Building Area42.34㎡

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¥35,000,000View listing
Kenbiya¥35,000,000View listing

Assessed Value Breakdown

Land assessed value¥33,135,000
Building assessed value¥0
Total assessed value¥33,135,000
Asking price¥35,000,000
Assessed ratio94.7%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 42.34m² × remaining life 0y ÷ statutory life 22y
  • Built Nov 1987 (38 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +14.6%
YearRoad price (JPY/m²)YoY
2024410,000—
2025440,000+7.3%
2026470,000+6.8%

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

How We Checked This Property

We checked the 2026 route price map (sheet 42064), the two listing photos and the floor plan with its lot plan, and GSI elevation data to confirm the representative route price and how much of the lot is usable land.

Locating the road price

Counting the road segments in Shimotakaido 4-chome on route price map sheets 42064 and 42056, 470D was the most common value, so we used it as the representative price. Block No. 34 is bounded on the west, center and south by 470D roads, so its adjoining band matches the representative value. No route price is set on the private roads in front. The same road was 410D in 2024 and 440D in 2025.

View source
Effective land area

The private-road burden field is blank, but reconstructing the lot shape from the side lengths on the lot plan gives about 72.2㎡ of usable land, and about 109㎡ when extended to the private-road centerline, which roughly matches the registered 106.97㎡. We judged that the registered area includes half of the private road and, after also removing the estimated setback, valued about 70.5㎡ (ratio 94.7%). This also matches the ground floor area divided by the 40% coverage ratio (about 70.7㎡). If the private road is a separate parcel and the full registered area is usable land, the ratio is 143.6%. The listing does not settle how the private road is held, so both figures are shown.

On-site check from photos

In the two exterior photos, the walls along the north and east private roads are free-standing, and the height difference between road and lot is about 0.2m or less. The entrance is almost level with the road, and the lot is neither a flag-shaped lot nor a terraced house. For the south and west sides not visible in the photos, GSI elevation data showed no step of around 1m. Power lines run overhead and a tower stands to the east.

Rights and restrictions

The listing states a minimum lot size of 80㎡ (the usable land of about 70.5㎡ may fall below it), that the site is within a planned land readjustment project area, that the carport may cause the coverage limit to be exceeded, and that the seller is released from non-conformity and equipment repair liability. It is sold with the tenant in place at a gross yield of 3.77%.

What We Could Not Confirm

  • The listing does not say whether the private-road burden is included in the registered 106.97㎡ or held as a separate parcel (a share in the private road). Included, the ratio is 94.7%; separate, it is 143.6%. This needs to be confirmed with the agent.
  • The usable land (about 70.5㎡) may fall below the 80㎡ minimum lot size. Whether the existing lot is exempt when rebuilding needs to be confirmed with Suginami Ward.
  • The photos show a nearby high-voltage tower and power lines, but the listing does not show whether the lot lies beneath the lines. If it does, building restrictions apply and the assessed value in this article would be higher than the reality.
  • The listing says the site is within a planned land readjustment project area, but gives no project name, schedule or details of the building restrictions.
  • The setback area along the private roads in front (3.70m and 3.80m wide) and the extent to which the carport exceeds the coverage limit are not stated in the listing and remain estimates.

※ 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 Suginami Shimotakaido 5-chome

Convenience store in Shimotakaido 5-chome, about 300m in a straight line from the reference point of block No. 34 (OpenStreetMap location; confirmed to be in Suginami Ward with the GSI reverse geocoder).

Source
FamilyMart (Shimotakaido 4-chome)

Convenience store in Shimotakaido 4-chome, the same district as the property, about 450m in a straight line from the reference point of block No. 34 (OpenStreetMap location).

Source
Super Value (Shimotakaido 5-chome)

Supermarket in Shimotakaido 5-chome, about 620m in a straight line from the reference point of block No. 34 (OpenStreetMap location).

Source

Neighborhood ② Dining Near the Station

Rikaen

Chinese restaurant in Shimotakaido 5-chome, about 350m in a straight line from the reference point of block No. 34 (OpenStreetMap location).

Source
Menya Shinso

Ramen shop in Shimotakaido 1-chome, about 400m in a straight line from the reference point of block No. 34 (OpenStreetMap location).

Source
Washoku Sato Sakurajosui

Japanese family restaurant in Shimotakaido 1-chome, about 590m in a straight line from the reference point of block No. 34 (OpenStreetMap location).

Source

About This Property

A detached rental house at 4-34 Shimotakaido, Suginami Ward, a 15-minute walk from Kamikitazawa Station on the Keio Line. The zoning is Category 1 Low-Rise Exclusive Residential (building coverage 40%, floor-area ratio 80%, Category 1 height district with a 10m height limit), and the listing notes that the Kanda River is nearby. The lot is a corner lot facing private roads 3.70m wide on the north and 3.80m wide on the east. Shops confirmed in OpenStreetMap as located within Suginami Ward include a 7-Eleven about 300m, the Chinese restaurant Rikaen about 350m, a FamilyMart about 450m and Super Value about 620m away, measured as straight-line distances from the block's reference point for No. 34 (coordinates from the GSI address search).

The building is a two-storey wooden 1LDK completed in November 1987, with a total floor area of 42.34㎡ (28.27㎡ on the ground floor and 14.07㎡ upstairs). It was built by Mitsui Home and has a certificate of completion inspection. The land is freehold with a registered area of 106.97㎡. It is sold with the current tenant in place, with annual rent of ¥1.32 million (¥110,000 per month) and a gross yield of 3.77%. Because the building is past the statutory useful life for wooden structures, its assessed value is set at ¥0.

The 2026 route price is ¥470,000/㎡ (¥410,000 in 2024 and ¥440,000 in 2025, up 14.6% over two years). The listing leaves the private-road burden field blank, but the lot plan draws the site boundary out to around the centerline of the private roads on the north and east, so we judged that the registered 106.97㎡ includes half of the private road. Excluding that portion and an estimated setback for the roads narrower than 4m leaves about 70.5㎡ of usable land, which gives an assessed-value ratio of 94.7%. If the private road is a separate parcel and the full registered area is usable land, the ratio would be 143.6%. The listing does not settle which is the case, so both figures are shown.

⚠️ There are several points to note. The minimum lot size in this area is 80㎡, and the usable land (about 70.5㎡) may fall below it; whether the existing lot is exempt when rebuilding needs to be confirmed with Suginami Ward. According to the listing's notes, the site is within an area covered by a land readjustment project in the city plan; building in such an area requires permission under Article 53 of the City Planning Act. There is a carport, and the listing states that it may cause the building coverage limit to be exceeded. The seller is released from liability for non-conformity and from obligations to repair equipment. The photos show a nearby high-voltage transmission tower and power lines overhead, but the listing does not show whether the lot itself lies beneath the lines. No route price is set on the private roads in front, so the lot is valued using the route price of the roads surrounding block No. 34 (¥470,000/㎡).

Estimated Financing

Assessed value ¥33,135,000 → estimated loan ¥33,130,000 (95% 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.

Ask About This PropertyWe offer purchase consultation, brokerage and consulting services.Found an error in this listing? Let us know here

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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