積算100
[Assessed 104.9%] Detached house in Chuo Ward, Sagamihara, Kanagawa — 18 min from Sagamihara Sta.
Assessed 104.9%Detached houseChuo Ward, Sagamihara, KanagawaSagamihara Sta. 18 min walk

[Assessed 104.9%] Detached house in Chuo Ward, Sagamihara, Kanagawa — 18 min from Sagamihara Sta.

Published: Updated:

Property Overview

LocationChuo Ward, Sagamihara, Kanagawa
Nearest StationJR Yokohama Line Sagamihara Sta.
Walk18 min walk
Assessed Ratio104.9%Assessed 104.9%
Price¥27,900,000
TypeDetached house
StructureWooden
BuiltBuilt Nov 1981 (44 years old)
Land Area295.78㎡
Building Area96.05㎡

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¥27,900,000View listing

Assessed Value Breakdown

Land assessed value¥29,264,560
Building assessed value¥0
Total assessed value¥29,264,560
Asking price¥27,900,000
Assessed ratio104.9%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 96.05m² × remaining life 0y ÷ statutory life 22y
  • Built Nov 1981 (44 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +11.1%
YearRoad price (JPY/m²)YoY
2024135,000—
2025145,000+7.4%
2026150,000+3.4%

※ 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 repeating the listing, we checked the 2026 road-price maps, the SUUMO listing for the same property, the National Tax Agency land development cost table and the single listing photo to confirm the access strip, the farmland category and the road-price band.

Locating the road price

On the 2026 road-price maps (sheets 78063 and 78064) we counted the local streets of Miyashita-honcho 1-chome and used the most common value, 150 thousand yen/㎡. The three-year history on the same street is 135 → 145 → 150 thousand yen. Values along the Sagamihara-Tachikawa prefectural road were excluded as a different type of location. However, the property is estimated from distances to nearby facilities to be at the east end of 1-chome, where local streets are in the 100–125 thousand yen/㎡ band, and the 1.8 m road it faces has no road-price line. The property's frontage is on the side of the lowest band in the town block; using that band lowers the assessed ratio to 83.6% at 120, 80.1% at 115, and 76.6% at 110 thousand yen/㎡.

View source
Effective land area

The athome listing does not mention a flag-shaped lot, but the land area field of the SUUMO listing for the same property says "including 94.33 ㎡ access strip", which corresponds to a strip about 3 m wide and 31 m long. Together with the 3.85 ㎡ setback noted in the athome remarks, this was deducted to give an effective lot area of 197.60 ㎡. If the setback overlaps the strip the deduction would be smaller; we used the smaller effective area.

View source
Rights and restrictions

The registered land category is farmland (inside the urbanization promotion area), and a notification under the Agricultural Land Act is required at contract. To value it as residential land, we deducted leveling costs of 800 yen/㎡ from the National Tax Agency 2026 land development cost table for Kanagawa, and tree-removal costs of 1,100 yen/㎡ because the photo shows large tree trunks and a hedge in the garden.

View source
Other checks

The price of 27.9 million yen is below the road-price total of about 44.37 million yen (150 thousand yen/㎡ × 295.78 ㎡ registered area). Likely reasons are the lower band at the east end of 1-chome, the access strip taking 32% of the land, the 1.8 m road without a road-price line, and the farmland category.

On-site check from photos

The listing has only one on-site photo, an exterior view from the south garden, and the SUUMO listing has no photos of the road or the access strip either. The garden looks flat and level with the lot to the west, with no visible earth-retaining structure. The access strip, the 1.8 m road, any step or retaining wall at the strip entrance, and the east, south and north boundaries are not shown. It is a detached two-story wooden house, not a row house.

What We Could Not Confirm

  • Whether there is a retaining wall, and any step between the front road and the strip entrance: the only photo is an exterior view from the south garden; the strip, the 1.8 m road, the strip entrance and the east, south and north boundaries are not shown. An on-site check or an inquiry to the agent is needed.
  • Whether the strip width meets Sagamihara City's ordinance for flag-shaped lots (3 m width when the strip exceeds 20 m): the strip is said to be about 3 m wide and 31 m long with 3.0 m of frontage. Since this affects rebuilding conditions, the actual width should be checked on a survey map.
  • The 1.8 m road the property faces has no road-price line, so an accurate valuation requires a specific road price. The property's frontage is on the side of the lowest band in the town block; using that band lowers the assessed ratio to 83.6% at 120, 80.1% at 115, and 76.6% at 110 thousand yen/㎡.
  • The lot number is not disclosed; the location was estimated as the east end of 1-chome from distances to nearby facilities. The 94.33 ㎡ access strip appears only in the SUUMO listing, and whether it overlaps the 3.85 ㎡ setback also needs to be checked on a survey map.
  • Because the land is registered as farmland, an Agricultural Land Act notification is required at contract, and the timing and cost of changing the land category need to be confirmed with the agent. Built in November 1981, the listing does not show whether the building permit was issued under the new seismic standard (effective June 1981).

※ 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

Belc Sagamihara Miyashita-honcho

Supermarket. About 973 m from the property according to the listing. Confirmed on OpenStreetMap in Miyashita-honcho 1-chome, Chuo Ward, Sagamihara.

Source
Lawson

Convenience store. About 390 m in a straight line from the centroid of Miyashita-honcho 1-chome. Confirmed on OpenStreetMap in Miyashita-honcho 2-chome, Chuo Ward, Sagamihara.

Source
7-Eleven Sagamihara Miyashita

Convenience store. About 650 m in a straight line from the centroid of Miyashita-honcho 1-chome. Confirmed on OpenStreetMap in Miyashita-honcho 2-chome, Chuo Ward, Sagamihara.

Source

Neighborhood ② Dining Near the Station

Minmin

Restaurant. About 270 m in a straight line from the centroid of Miyashita-honcho 1-chome. Confirmed on OpenStreetMap in Miyashita-honcho 2-chome, Chuo Ward, Sagamihara.

Source
HAVELI

Indian restaurant. About 730 m in a straight line from the centroid of Miyashita-honcho 1-chome. Confirmed on OpenStreetMap in Miyashita-honcho 2-chome, Chuo Ward, Sagamihara.

Source
Susukino Ramen

Ramen shop. About 750 m in a straight line from the centroid of Miyashita-honcho 1-chome. Confirmed on OpenStreetMap in Susukino-cho, Chuo Ward, Sagamihara.

Source

About This Property

⚠️ This is a flag-shaped lot. The athome listing does not say so, but the SUUMO listing for the same property states that 94.33 ㎡ of the 295.78 ㎡ site is the access strip (the "pole"), a passage about 3 m wide and about 31 m long that meets a 1.8 m-wide public road on the south with 3.0 m of frontage. The road is treated as an Article 42-2 road, and the site area includes a 3.85 ㎡ setback. Because the strip is longer than 20 m, it needs to be checked whether it meets the 3 m width that Sagamihara City's ordinance requires for access strips. The valuation uses an effective lot area of 197.60 ㎡ after deducting the strip and the setback. The registered land category is farmland (farmland inside the urbanization promotion area), and a notification under the Agricultural Land Act is required at contract.

⚠️ The road price uses 150 thousand yen/㎡, the most common value on the local streets of Miyashita-honcho 1-chome. However, judging from distances to nearby facilities, the property is estimated to sit at the east end of 1-chome, where the local streets are in the 100–125 thousand yen/㎡ band. The 1.8 m road the property faces has no road-price line on the map. The property's frontage is on the side of the lowest band in the town block, and using that band would lower the assessed ratio to 83.6% at 120 thousand yen/㎡, 80.1% at 115 thousand yen/㎡, and 76.6% at 110 thousand yen/㎡. The price of 27.9 million yen is also below the road-price total of about 44.37 million yen (150 thousand yen/㎡ × 295.78 ㎡ registered area). Likely reasons are the lower band at the east end, the access strip taking 32% of the land, the 1.8 m road without a road-price line, and the farmland category.

A two-story wooden 5DK detached house in Miyashita-honcho 1-chome, Chuo Ward, Sagamihara, an 18-minute walk from Sagamihara Station on the JR Yokohama Line. Tamasakai Station on the Keio Sagamihara Line is a 32-minute walk, and from JR Hashimoto Station it is a 16-minute bus ride to the Nakamurafudo-iriguchi stop plus an 8-minute walk. Built in November 1981 (44 years old), with 96.05 ㎡ of floor area on 295.78 ㎡ of land (registered area, freehold), in a Category 1 medium-to-high-rise residential zone (60% building coverage, 200% floor area ratio), a quasi-fire prevention district and a residential land development regulation area. The owner currently lives there, handover timing is negotiable, and there is a parking space. The listing does not show whether the building permit was issued under the new seismic standard that took effect in June 1981.

The listing has only one on-site photo, an exterior view of the house from the south garden. The garden looks flat and level with the neighboring lot to the west, but the access strip, the 1.8 m road, any step or retaining wall at the strip entrance, and the east, south and north boundaries are not shown and could not be checked. Because the land category is farmland, the land is valued after deducting leveling and tree-removal costs (National Tax Agency land development cost table for Kanagawa) from the road price; the 44-year-old wooden building is valued at 0 yen, giving an assessed ratio of about 105%. For nearby facilities, the distance to Belc is the listing's distance from the property; the others are straight-line distances from the centroid of Miyashita-honcho 1-chome on OpenStreetMap, and since the property is estimated to be at the east end, actual distances may be longer. The FamilyMart Machida Oyamacho and Create SD Shin-Machida Oyama stores named in the listing appear, as their names suggest, to be on the Machida (Tokyo) side, which suggests the property is close to the city border.

Estimated Financing

Assessed value ¥29,264,560 → estimated loan ¥27,900,000 (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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