積算100
[Assessed 88.7%] Detached house in Ayase, Kanagawa — 19 min from Sagami-Otsuka Sta.
Assessed 88.7%Detached houseAyase, KanagawaSagami-Otsuka Sta. 19 min walk

[Assessed 88.7%] Detached house in Ayase, Kanagawa — 19 min from Sagami-Otsuka Sta.

Published: Updated:

Property Overview

LocationAyase, Kanagawa
Nearest StationSotetsu Main Line Sagami-Otsuka Sta.
Walk19 min walk
Assessed Ratio88.7%Assessed 88.7%
Price¥38,800,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 2026 (0 years old)
Land Area100㎡
Building Area97.4㎡

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¥38,800,000View listing

Assessed Value Breakdown

Land assessed value¥13,000,000
Building assessed value¥21,428,000
Total assessed value¥34,428,000
Asking price¥38,800,000
Assessed ratio88.7%

Calculation basis

  • Land = road price ¥130,000/m² × land area 100m²
  • Building = replacement cost ¥220,000/m² × floor area 97.4m² × remaining life 22y ÷ statutory life 22y
  • Built Dec 2026 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +8.3%
YearRoad price (JPY/m²)YoY
2024120,000—
2025125,000+4.2%
2026130,000+4.0%

※ 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 two sheets of the 2026 route price maps, ten listing photos, the lot plan and floor plan, and GSI elevation data to confirm the route price band, the ground levels around the lot, and how the built-in garage affects the assessed value ratio.

Locating the road price

On the 2026 route price map (sheet 80132; Tadegawa 1-chome also appears on sheet 80120 to the north), block roads in the chome range from 115 to 130 thousand yen/㎡. Most sections are 130 thousand yen/㎡, so we used that as the representative value. The exact block is not identified, but even the lowest band (115 thousand yen/㎡) gives 84.9%.

View source
Effective land area

According to the lot plan, every lot in the subdivision is a regular-shaped lot facing an 11 m public road with a sidewalk directly, with no flag-pole section, private-road burden or slope noted. The listed land area of 100㎡ is used as is.

Building valuation assumptions

The 97.4㎡ floor area includes a built-in garage on the ground floor, and we assessed it with the garage included (88.7%). The garage area is not listed; our floor-plan estimate is about 12–15㎡. Excluding it gives 80.2% at 15㎡ and 81.9% at 12㎡, and the ratio falls below 80% above 15.4㎡.

On-site check from photos

We reviewed ten listing photos (exterior under construction, front road, vacant lot before construction, lot plan, floor plan). The step from the road is one curb (about 0.15 m), with no retaining wall or stairs, and both neighbours are at the same level. With no close-up of the rear (north) side, we measured 24 points around the site on GSI 5 m elevation data and found no 1 m-class step.

What We Could Not Confirm

  • The built-in garage area is not listed; about 12–15㎡ is our estimate from the floor plan. Excluding the garage from the floor area gives 80.2% at 15㎡ and 81.9% at 12㎡, and below 80% if it exceeds 15.4㎡, so the garage area should be confirmed with the seller.
  • The address is only known to the chome level (Tadegawa 1-chome), and the exact block is not identified. Against the representative 130 thousand yen/㎡, the lowest band in the chome (115 thousand yen/㎡) would give 84.9%.
  • There is no close-up photo of the rear (north) boundary, which we supplemented with GSI elevation data. The level difference and any retaining structure on the north side should be checked on site.
  • The house is not yet completed (scheduled for December 2026), so the finished condition and registered floor area are unconfirmed. The yield is not set and there is no tenant.
  • Walking time to Sagami-Otsuka Station differs between listings: 19 or 20 minutes.

※ 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 (Tadegawa 2-chome)

Convenience store in Tadegawa 2-chome, Ayase. About 250 m in a straight line from the centroid of Tadegawa 1-chome (OpenStreetMap).

Source
Food One (Ogami 4-chome)

Supermarket in Ogami 4-chome, Ayase. About 680 m in a straight line from the chome centroid (OpenStreetMap).

Source
Ministop (Ogami 4-chome)

Convenience store in Ogami 4-chome, Ayase. About 640 m in a straight line from the chome centroid (OpenStreetMap).

Source

Neighborhood ② Dining Near the Station

McDonald's (Ogami 4-chome)

Hamburger restaurant in Ogami 4-chome, Ayase. About 580 m in a straight line from the chome centroid (OpenStreetMap).

Source
Hama Sushi (Ogami 4-chome)

Conveyor-belt sushi restaurant in Ogami 4-chome, Ayase. About 590 m in a straight line from the chome centroid (OpenStreetMap).

Source

About This Property

A newly built detached house under construction in Tadegawa 1-chome, Ayase, Kanagawa: Unit No. 37 of a four-unit subdivision (plus one unit already sold). It is a 19-minute walk from Sagami-Otsuka Station on the Sotetsu Main Line (another agent's listing for the same subdivision says 20 minutes), or a 7-minute bus ride plus a 3-minute walk from the Tadegawa Itchome bus stop. The regular-shaped lot faces a public road about 11 m wide with a sidewalk on its south side, and there is no private-road burden.

Land 100㎡ (freehold) and a 97.4㎡ two-storey wooden 3LDK (18-tatami LDK, 2.8 m ceilings), scheduled for completion in December 2026 with handover in late December. There is parking for two cars, one of them in a built-in garage on the ground floor under the second storey. ⚠️The garage area is not stated in the listing; our estimate from the floor plan is about 12–15㎡, which likely exceeds 10% of the floor area. Using the full 97.4㎡ the assessed value ratio is 88.7%, but excluding the garage from the floor area gives 80.2% for a 15㎡ garage and 81.9% for 12㎡, and the ratio falls below 80% if the garage exceeds 15.4㎡.

The 2026 (Reiwa 8) route price is 130 thousand yen/㎡ (2024: 120 → 2025: 125 → 2026: 130 thousand yen/㎡, +8.3% over two years). Block roads in the chome range from 115 to 130 thousand yen/㎡, and the most common value, 130 thousand yen/㎡, is used as the representative figure. The exact block of the property has not been identified, but even the lowest band in the chome (115 thousand yen/㎡) gives 84.9%. Because the building is new, its assessed value is counted in full, but it will decline year by year over the 22-year statutory useful life for wooden buildings. The yield is not yet set and there is no tenant; although listed under rental houses, it is a subdivision home aimed at owner-occupiers. Zoning: Category 1 medium-to-high-rise exclusive residential (60% building coverage, 200% floor area ratio), semi-fire prevention district.

Listing photos show only a curb-height step (about 0.15 m) between the road and the lot, with no retaining wall or steps, and the neighbouring lots on both sides sit at the same level. There is no close-up photo of the rear (north) boundary, so we supplemented it with GSI elevation data. Nearby facilities, measured as straight-line distances from the centroid of the chome (OpenStreetMap), include 7-Eleven (Tadegawa 2-chome) about 250 m, Food One supermarket (Ogami 4-chome) about 680 m and McDonald's (Ogami 4-chome) about 580 m. The price is 38.8 million yen; a 37.8 million yen listing in the same subdivision is a different lot (Unit No. 40, 87.0㎡ building).

Estimated Financing

Assessed value ¥34,428,000 → estimated loan ¥34,420,000 (89% 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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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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