積算100
[Assessed 83.5%] Detached house in Hanamigawa Ward, Chiba City, Chiba — 6 min from Keisei-Owada Sta.
Assessed 83.5%Detached houseHanamigawa Ward, Chiba City, ChibaKeisei-Owada Sta. 6 min walk

[Assessed 83.5%] Detached house in Hanamigawa Ward, Chiba City, Chiba — 6 min from Keisei-Owada Sta.

Published: Updated:

Property Overview

LocationHanamigawa Ward, Chiba City, Chiba
Nearest StationKeisei Main Line Keisei-Owada Sta.
Walk6 min walk
Assessed Ratio83.5%Assessed 83.5%
Price¥13,800,000
TypeDetached house
StructureWooden
BuiltBuilt Mar 2003 (23 years old)
Land Area137.19㎡
Building Area134.5㎡

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.

SUUMO¥13,800,000View listing

Assessed Value Breakdown

Land assessed value¥11,523,960
Building assessed value¥0
Total assessed value¥11,523,960
Asking price¥13,800,000
Assessed ratio83.5%

Calculation basis

  • Land = road price ¥84,000/m² × land area 137.19m²
  • Building = replacement cost ¥220,000/m² × floor area 134.5m² × remaining life 0y ÷ statutory life 22y
  • Built Mar 2003 (23 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.7%
YearRoad price (JPY/m²)YoY
202481,000—
202583,000+2.5%
202684,000+1.2%

※ 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 republishing the listing as is, we checked the FY2026 route price map, the assessment multiplier table and nine listing photos to confirm whether the site is in a route-price area, roughly where the house is, and the level differences with the road and neighbors.

Locating the road price

Yokoto-cho mixes route-price areas and multiplier areas. The assessment multiplier table (Hanamigawa Ward) lists the urbanization promotion area of Yokoto-cho as "route price", and the listing states a zoning designation (Category 1 Low-rise Exclusive Residential), so we judged the site to be in the route-price area within the urbanization promotion area. On the FY2026 route price map (map no. 03065), the local streets around Takanodai Park, where we estimate the house to be, range from 79,000 to 90,000 yen/㎡, and we adopted the most common value of 84,000 yen/㎡ (leasehold ratio D). Following the route west of the park on the same map gives 81,000 yen in 2024, 83,000 yen in 2025 and 84,000 yen/㎡ in 2026.

View source
Listing check

The lot number is not disclosed. From the distances in the listing (6-minute walk to Keisei-Owada Station, 180 m to Takanodai Park, 800 m to Kashiwai Elementary School), we estimate the house is in the northern part of Yokoto-cho near the Yachiyo City border, around Takanodai Park. The map position in the listing is about 610 m in a straight line from the station and about 340 m from the park, which does not match these distances, so we did not use it.

Effective land area

There is no private road burden, the lot fronts a public road about 6.0 m wide on the southeast side with 11 m of frontage, and no flag-shaped lot, slope or setback is mentioned, so we used the listed land area of 137.19 ㎡ as is.

Building valuation assumptions

The house is a wooden building completed in March 2003 and has passed its 22-year statutory useful life, so we set its assessed value at zero. The assessed ratio is based on the land value alone.

On-site check from photos

We checked two photos including the front road, six exterior photos and one photo of the parking space. The southeast public road is flat and nearly level with the lot, the road side has a brick flower bed about 0.4 m high, and there are 2 to 3 steps up to the entrance porch. The northeast boundary is about three courses of block with a mesh fence, nearly level with the neighbor's garden, and the southwest neighbor is also at the same level. We found no retaining wall, no stair access and no flag-shaped lot, and the house stands detached from both neighbors.

What We Could Not Confirm

  • Because the lot number is not disclosed, the location is an estimate (around Takanodai Park) based on the distances in the listing, and the road the property fronts has not been identified. Local streets range from 79,000 to 90,000 yen/㎡; at 86,000 yen/㎡ the assessed ratio would be about 85.5% and at 82,000 yen/㎡ about 81.5%, but if the lot fronts a section of 80,000 yen/㎡ or less (79,000 to 80,000 yen/㎡), it would be about 78.5% to 79.5%, below 80%.
  • If, contrary to our estimate, the property is in the southern route-price area of Yokoto-cho (most common local-street value 74,000 yen/㎡), the assessed ratio would be about 73.6%. The exact lot number needs to be confirmed with the broker.
  • The northwest (rear) boundary is hidden behind the building and does not appear in the photos, so the level difference with that neighbor and whether there is a retaining wall have not been checked.

※ 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

Super Chain Kawaguchi Owada

Supermarket, located across the city border in Owada, Yachiyo City (near Keisei-Owada Station). 600 m from the property according to the listing.

Source
7-Eleven Keisei-Owada Ekimae

Convenience store (Owada, Yachiyo City, in front of Keisei-Owada Station). 500 m from the property according to the listing.

Source
Create SD Keisei-Owada

Drugstore. 950 m from the property according to the listing.

Source

Neighborhood ② Dining Near the Station

Eikoro

Restaurant (Owada, Yachiyo City). About 260 m in a straight line from the center of Takanodai Park, which the listing puts 180 m from the property (OpenStreetMap).

Source
Monzo

Restaurant (Owada, Yachiyo City, right by Keisei-Owada Station). About 300 m in a straight line from the center of Takanodai Park (OpenStreetMap).

Source
Sanuki

Noodle shop (Murakami, Yachiyo City). About 510 m in a straight line from the center of Takanodai Park (OpenStreetMap).

Source

About This Property

A pre-owned two-story wooden detached house built in March 2003 in Yokoto-cho, Hanamigawa Ward, Chiba City. The nearest station is Keisei-Owada on the Keisei Main Line, a 6-minute walk away. The price is 13.8 million yen and the assessed ratio is about 83.5%. The lot number is not disclosed; from the distances in the listing (180 m to Takanodai Park, 800 m to Kashiwai Elementary School), we estimate that the house is in the northern part of Yokoto-cho around Takanodai Park, close to the border with Owada, Yachiyo City. The supermarket and convenience stores near the station are across the border on the Yachiyo City side.

The land is 137.19 ㎡ of freehold with no private road burden, fronting a public road about 6.0 m wide on the southeast side with 11 m of frontage. The zoning is Category 1 Low-rise Exclusive Residential (building coverage 50%, floor area ratio 100%). The building has a total floor area of 134.5 ㎡ with a 3LDK plus storeroom layout, including attic storage, a spare room of about 8 tatami, a staircase in the living room and a separate kitchen; every room is 6 tatami or larger. Facilities include public water, public sewer, city gas, a dishwasher, a water purifier and two toilets, and there is parking (depending on vehicle size). The transaction type is brokerage.

Yokoto-cho is a town where route-price areas and multiplier areas are mixed. The assessment multiplier table lists the urbanization promotion area of Yokoto-cho as a route-price area, and since the listing states a zoning designation, we valued this property using route prices. We adopted 84,000 yen/㎡ (leasehold ratio D), the most common value among the local streets in the estimated northern block. The same route rose from 81,000 yen in 2024 to 83,000 yen in 2025 and 84,000 yen/㎡ in 2026, about 3.7% over two years. Because the wooden building has passed its 22-year statutory useful life, its assessed value is zero, and the assessed ratio is based on the land alone. The listing does not state a yield or expected rent.

⚠️ Because the lot number is not disclosed, the road the property fronts has not been identified. Local streets in the area range from 79,000 to 90,000 yen/㎡; at 86,000 yen/㎡ the assessed ratio would be about 85.5%, at 82,000 yen/㎡ about 81.5%, and at 80,000 yen/㎡ about 79.5%. If the property were in the southern route-price area of Yokoto-cho (most common value 74,000 yen/㎡), it would be about 73.6%. In the listing photos the front road is flat and nearly level with the lot, with 2 to 3 steps up to the entrance porch; we found no large level difference with the neighbors, no retaining wall, no stair access and no flag-shaped lot, and the house stands detached from both neighbors. ⚠️ The northwest (rear) boundary does not appear in the photos and has not been checked. As the land accounts for most of the price, the assessed ratio moves with the road the property actually fronts.

Estimated Financing

Assessed value ¥11,523,960 → estimated loan ¥11,520,000 (83% 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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