積算100
[Assessed 105.7%] Detached house in Narashino, Chiba — 19 min from Shin-Tsudanuma Sta.
Assessed 105.7%Detached houseNarashino, ChibaShin-Tsudanuma Sta. 19 min walk

[Assessed 105.7%] Detached house in Narashino, Chiba — 19 min from Shin-Tsudanuma Sta.

Published: Updated:

Property Overview

LocationNarashino, Chiba
Nearest StationKeisei Matsudo Line Shin-Tsudanuma Sta.
Walk19 min walk
Assessed Ratio105.7%Assessed 105.7%
Price¥6,600,000
TypeDetached house
Expected Yield10%
StructureWooden
BuiltBuilt Oct 1994 (32 years old)
Land Area58.11㎡
Building Area57.6㎡

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.

Kenbiya¥6,600,000View listing
Rakumachi¥6,600,000View listing

Assessed Value Breakdown

Land assessed value¥6,973,200
Building assessed value¥0
Total assessed value¥6,973,200
Asking price¥6,600,000
Assessed ratio105.7%

Calculation basis

  • Land = road price ¥120,000/m² × land area 58.11m²
  • Building = replacement cost ¥220,000/m² × floor area 57.6m² × remaining life 0y ÷ statutory life 22y
  • Built Oct 1994 (32 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +4.3%
YearRoad price (JPY/m²)YoY
2024115,000—
2025115,000±0.0%
2026120,000+4.3%

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

How We Checked This Property

Because the listing gives no road frontage or zoning, we cross-checked the Kenbiya and Rakumachi listings, counted the local streets of Fujisaki 4-chome on the 2026 route price map, and checked level differences with the exterior photo and GSI elevation data.

Locating the road price

Fujisaki 4-chome spans four sheets of the 2026 route price map, so we counted the local streets in the district and used the most common value, 120,000 yen/m². The lot number is not disclosed; from Kenbiya's "1,500 m from Shin-Tsudanuma Station" we estimate the lot is in the western part of the district, where the bands are mainly 115,000–120,000 yen/m². On the same road on the same sheet, the value moved 115 (2024) → 115 (2025) → 120 (2026) thousand yen/m².

View source
Effective land area

The land area of 58.11 m² matches on Kenbiya and Rakumachi, and is the registered area on Rakumachi. No private-road share or setback is listed, so we valued it without deductions. Because the road frontage is not listed, if the front road is less than 4 m wide and a setback is required, the setback portion would be deducted from this area.

Building valuation assumptions

The building is a 2-story wooden house of 57.6 m² built in October 1994; at 32 years old it is valued at 0 yen. Because the former owner lives there under a leaseback, no floor plan or interior photos are listed.

On-site check from photos

The listing has one site photo, of the exterior. There is a decorative block wall on the road side; from the height of the balcony railing and the ground-floor openings, we estimate the lot is about 0–0.9 m higher than the road (about 0.4 m at the midpoint). The neighboring lot on the left is level with the road, and no steps appear at the left edge. The building faces the road directly, so it is not a flag-shaped lot, and there are gaps to the houses on both sides, so it is not attached. Only the edge of the block wall on the right boundary is visible, and the rear is not shown.

Listing check

The same agent registered the property on Kenbiya and Rakumachi on October 2. Access is described differently: Kenbiya gives 1,500 m from Shin-Tsudanuma Station on the Keisei Matsudo Line, while Rakumachi gives a 10-minute bus ride from JR Tsudanuma Station.

View source

What We Could Not Confirm

  • The road frontage, zoning and building coverage / floor-area ratio are not listed, so the type and width of the front road and whether the house can be rebuilt are unconfirmed. If the road is less than 4 m wide, a setback would be required and the usable land area would shrink.
  • From the exterior photo we estimate the retaining height on the road side is at most about 0.9 m, but we could not confirm whether the block wall on the right-hand boundary (about 1.8–2.0 m high) also serves as a retaining wall, nor check the rear boundary.
  • GSI elevation data shows a river-terrace scarp of about 8 m within Fujisaki 4-chome. Because the lot number is not disclosed and the location cannot be narrowed down, we could not determine whether the lot is near the scarp.
  • Because the lot number is not disclosed, we used the district's most common route price. If the road the lot faces is in the lowest band in the district, 93,000 yen/m², the assessed ratio is about 82%.
  • The listing does not state the term, renewal conditions or rent revision terms of the leaseback lease.

※ 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

Ministop

Convenience store. Confirmed on OpenStreetMap about 350 m in a straight line from the centroid of Fujisaki 4-chome (in Fujisaki 6-chome, Narashino).

Source
7-Eleven

Convenience store. Confirmed on OpenStreetMap about 610 m in a straight line from the centroid of Fujisaki 4-chome (in Fujisaki 6-chome, Narashino).

Source
Maruetsu Keisei-Okubo

Supermarket. Confirmed on OpenStreetMap about 920 m in a straight line from the centroid of Fujisaki 4-chome (in Okubo 1-chome, Narashino).

Source

Neighborhood ② Dining Near the Station

Gracias Gardens

Italian family restaurant. Confirmed on OpenStreetMap about 870 m in a straight line from the centroid of Fujisaki 4-chome (in Okubo 1-chome, Narashino).

Source
Sobadokoro Chojuan

Soba noodle restaurant. Confirmed on OpenStreetMap about 1.0 km in a straight line from the centroid of Fujisaki 4-chome (in Hon-Okubo 1-chome, Narashino).

Source
Matsuya

Beef bowl chain restaurant. Confirmed on OpenStreetMap about 1.1 km in a straight line from the centroid of Fujisaki 4-chome (in Okubo 1-chome, Narashino).

Source

About This Property

⚠️ Neither the Kenbiya nor the Rakumachi listing states the road frontage, zoning, or building coverage / floor-area ratio, so the type and width of the front road and whether the house can be rebuilt have not been confirmed. If the front road is less than 4 m wide, part of the lot would have to be set back as road when rebuilding, reducing the usable land area. Before considering this property, the road access and rebuilding eligibility need to be confirmed with the agent and the city office.

A two-story wooden detached house in Fujisaki 4-chome, Narashino, built in October 1994 (32 years old), with 57.6 m² of building area on 58.11 m² of land (registered area, freehold). The lot number is not disclosed. Access is described differently by listing: Kenbiya gives 1,500 m (19 minutes on foot) from Shin-Tsudanuma Station on the Keisei Matsudo Line, while Rakumachi gives a 10-minute bus ride from JR Tsudanuma Station. It is within the urbanization promotion area, and there is no parking.

This is a leaseback property in which the former owner continues to live there as a tenant after the sale. The rent is 55,000 yen per month (660,000 yen per year), for a gross yield of 10.00% on the price of 6.6 million yen. Because it is occupied, there is no floor plan or interior photo, and the listing has only one exterior photo. From that photo we estimate the lot on the road side is level with the road or up to about 0.9 m higher, but the right-hand and rear boundaries are not shown. The same property is also listed on Rakumachi by the same agent (Kirameki Fudosan).

For the 2026 route price, we used 120,000 yen/m², the most common value on the local streets of Fujisaki 4-chome; it rose from 115,000 to 120,000 yen/m² over three years. A 32-year-old wooden building is valued at 0 yen, so the assessed ratio on the land alone is about 106%. Because the lot number is not disclosed, the band of the road the lot faces could not be identified, but even at the lowest band in the district, 93,000 yen/m², it is about 82%. Even if a setback is required, the assessed ratio stays at 80% or more as long as the usable land is at least 44.0 m² (a reduction of up to 14.1 m²) in the 120,000 yen/m² band, or at least 50.3 m² (up to 7.8 m²) in the 105,000 yen/m² band. Distances to nearby facilities are straight-line distances from the centroid of Fujisaki 4-chome on OpenStreetMap.

Estimated Financing

Assessed value ¥6,973,200 → estimated loan ¥6,600,000 (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.

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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