積算100
世田谷区上祖師谷7丁目のRC造戸建(イメージ)
Assessed 80.6%Detached houseSetagaya Ward, TokyoSengawa Sta. 9 min walk

[Assessed 80.6%] Detached house in Setagaya Ward, Tokyo — 9 min from Sengawa Sta.

Published: Updated:

Property Overview

LocationSetagaya Ward, Tokyo
Nearest StationKeio Line Sengawa Sta.
Walk9 min walk
Assessed Ratio80.6%Assessed 80.6%
Price¥94,800,000
TypeDetached house
StructureReinforced concrete (RC)
BuiltBuilt Jul 1991 (35 years old)
Land Area155.25㎡
Building Area188.46㎡

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¥94,800,000View listing

Assessed Value Breakdown

Land assessed value¥60,547,500
Building assessed value¥15,878,757
Total assessed value¥76,426,257
Asking price¥94,800,000
Assessed ratio80.6%

Calculation basis

  • Land = road price ¥390,000/m² × land area 155.25m²
  • Building = replacement cost ¥330,000/m² × floor area 188.46m² × remaining life 12y ÷ statutory life 47y
  • Built Jul 1991 (35 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +11.4%
YearRoad price (JPY/m²)YoY
2024350,000—
2025370,000+5.7%
2026390,000+5.4%

※ 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, the single exterior photo on the sales sheet and GSI elevation data to confirm the route price bands, level differences around the lot, the effect of the built-in garage on the assessed value ratio, and the excess over the floor area ratio.

Locating the road price

On the 2026 (Reiwa 8) route price map (sheet 37007; the northern edge of 7-chome is on 37004), block roads in the chome range from 360 to 430 thousand yen/㎡, and 390 thousand yen/㎡ appears on about 13 sections, the most of any value, so it was used. The metropolitan road at the southern edge (440–450 thousand yen/㎡) was excluded as an arterial road. The road on the property's north side is 400 thousand yen/㎡, which would give 82.3%; one step lower, 380 thousand yen/㎡, would give about 79.0%.

View source
Effective land area

The land area of 155.25㎡ is the registered area. The public road on the north is 4 m wide and no setback or private-road burden is stated, so the listed area is used as is.

Building valuation assumptions

The floor area of 188.46㎡ includes a built-in garage for one car, but the garage area is not given, so the full floor area is used (80.62%). Excluding our estimate of about 15㎡ from the floor plan gives about 79.3%. The sales sheet remarks state that the building area is over the limit, and the floor area exceeds the floor-area-ratio limit (124.2㎡ at 80%).

On-site check from photos

The only photo is one exterior shot (north front) on the sales sheet, which we enlarged. The road and the lot are at the same level and the approach is almost flush with the road; the central external staircase leads to the second-floor entrance and is part of the building, and the tiled wall on the right is not a retaining wall. The neighbouring houses on both sides are separate buildings at the same ground level. The east, west and south boundaries are not visible in the photo, so we measured GSI elevation data (1 m mesh) at the centre of the lot and at points 8, 15 and 25 m in each direction. Values were 47.0–47.7 m, a maximum difference of 0.7 m, with no change indicating a step of 1 m or more.

What We Could Not Confirm

  • The sales sheet remarks state that the building area is over the limit, and the floor area of 188.46㎡ exceeds the floor-area-ratio limit (124.2㎡ at 80%, and still 155.25㎡ at the relaxed 100%). Whether it is non-compliant or legally non-conforming cannot be determined from the listing, and the effect on financing and on the size of any rebuild needs to be confirmed.
  • The garage area is not given in the listing, and the full floor area including the garage is used. Excluding our estimate of about 15㎡ gives an assessed value ratio of about 79.3%, so the garage area should be confirmed with the seller.
  • The route price is the most common value in the chome, 390 thousand yen/㎡. One step lower, 380 thousand yen/㎡, would give about 79.0%, so there is almost no margin against differences in how the representative value is chosen.
  • The east, west and south boundaries do not appear in the photo and were checked only with elevation data (maximum difference 0.7 m). Level differences and any retaining walls on those boundaries need to be checked on site.
  • No yield or expected rent is given, and the house is vacant. The rent achievable if it were let has not been confirmed.

※ 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

FamilyMart (Kamisoshigaya 5-chome)

Convenience store in Kamisoshigaya 5-chome, Setagaya Ward. About 470 m in a straight line from the centroid of Kamisoshigaya 7-chome (OpenStreetMap).

Source
7-Eleven (Kamisoshigaya 4-chome)

Convenience store in Kamisoshigaya 4-chome, Setagaya Ward. About 520 m in a straight line from the chome centroid (OpenStreetMap).

Source
Lawson (Kyuden 3-chome)

Convenience store in Kyuden 3-chome, Setagaya Ward. About 630 m in a straight line from the chome centroid (OpenStreetMap).

Source

Neighborhood ② Dining Near the Station

Bamiyan (Kamisoshigaya 5-chome)

Chinese family restaurant in Kamisoshigaya 5-chome, Setagaya Ward. About 200 m in a straight line from the chome centroid (OpenStreetMap).

Source
Keien (Kyuden 1-chome)

Chinese restaurant in Kyuden 1-chome, Setagaya Ward. About 560 m in a straight line from the chome centroid (OpenStreetMap).

Source

About This Property

A pre-owned detached house in Kamisoshigaya 7-chome, Setagaya Ward, Tokyo, a 9-minute walk from Sengawa Station on the Keio Line. The lot faces a 4 m wide public road on its north side, and the land is 155.25㎡ (registered area, freehold). Zoning is Category 1 low-rise exclusive residential (building coverage 40% (50%), floor area ratio 80% (100%)), with a Category 1 height control district, a 10 m building height limit and a semi-fire prevention district. Kenbiya lists it under whole apartment buildings, but the building is a single-family home and is currently vacant.

The building is a three-storey reinforced concrete (RC) structure built in July 1991 (35 years old), with 188.46㎡ of floor area (ground floor 86.82㎡, second floor 72.48㎡, third floor 29.16㎡). The ground floor has rooms of 8.5, 6 and 14 tatami plus a built-in garage for one car, the second floor is a single open space of about 33 tatami, and the third floor has an 8-tatami room. ⚠️The remarks on the sales sheet state that the building area is over the limit: the floor area of 188.46㎡ exceeds the floor-area-ratio limit (124.2㎡ at 80%, and still 155.25㎡ at the relaxed 100%). The building is suspected to be either non-compliant or legally non-conforming (built before the current rules), which affects whether a loan is available and means a rebuild could not be made at the same size.

⚠️The assessed value ratio is 80.62%, leaving almost no margin. The 2026 (Reiwa 8) route price is 390 thousand yen/㎡ (2024: 350 → 2025: 370 → 2026: 390 thousand yen/㎡, +11.4% over two years). Block roads in the chome range from 360 to 430 thousand yen/㎡, and the most common value, 390 thousand yen/㎡, is used as the representative figure. The road on the property's north side is valued at 400 thousand yen/㎡, which would give 82.3%, but if the representative value were one step lower at 380 thousand yen/㎡ the ratio would be about 79.0%. In addition, the floor area includes the built-in garage, whose area is not disclosed; excluding our estimate of about 15㎡ from the floor plan gives about 79.3%. Twelve years of the 47-year statutory useful life for RC buildings remain in the building's assessed value. No yield or expected rent is given, and the price is 94.8 million yen (negotiable).

The only photo is one exterior shot (the north front) on the sales sheet. The road and the lot are at the same level, with no retaining wall or steps; the external staircase in the middle leads up to the second-floor entrance and is part of the building. The houses on either side appear to be separate buildings. The east, west and south boundaries are not visible in the photo; GSI elevation data measured around the lot show a maximum difference of 0.7 m. Nearby facilities, measured as straight-line distances from the centroid of Kamisoshigaya 7-chome (OpenStreetMap), include Bamiyan (Kamisoshigaya 5-chome) at about 200 m, FamilyMart (Kamisoshigaya 5-chome) at about 470 m and 7-Eleven (Kamisoshigaya 4-chome) at about 520 m.

Estimated Financing

Assessed value ¥76,426,257 → estimated loan ¥76,420,000 (81% 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.

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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