積算100
[Assessed 82.8%] Detached house in Yamato, Kanagawa — 18 min from Sakuragaoka Sta.
Assessed 82.8%Detached houseYamato, KanagawaSakuragaoka Sta. 18 min walk

[Assessed 82.8%] Detached house in Yamato, Kanagawa — 18 min from Sakuragaoka Sta.

Published: Updated:

Property Overview

LocationYamato, Kanagawa
Nearest StationOdakyu Enoshima Line Sakuragaoka Sta.
Walk18 min walk
Assessed Ratio82.8%Assessed 82.8%
Price¥45,900,000
TypeDetached house
StructureWooden
BuiltBuilt Mar 2027 (0 years old)
Land Area137.74㎡
Building Area94.39㎡

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¥45,900,000View listing
SUUMO¥45,900,000View listing

Assessed Value Breakdown

Land assessed value¥17,217,500
Building assessed value¥20,765,800
Total assessed value¥37,983,300
Asking price¥45,900,000
Assessed ratio82.8%

Calculation basis

  • Land = road price ¥125,000/m² × land area 137.74m²
  • Building = replacement cost ¥220,000/m² × floor area 94.39m² × remaining life 22y ÷ statutory life 22y
  • Built Mar 2027 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +8.7%
YearRoad price (JPY/m²)YoY
2024115,000—
2025120,000+4.3%
2026125,000+4.2%

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

How We Checked This Property

As the Kenbiya listing had no site photos, we checked the site photos and plot plan in the SUUMO listing of the same property, traced the block roads north of Kamiwada Junior High School on the 2026 route price map, and checked the height difference between the lot and the roads with GSI elevation data.

Locating the road price

We traced the block roads of the property's block on the 2026 route price map (sheet 80158). The block roads here are uniformly 125,000 yen/m²; bands near the main road to the north-west were excluded. The three-year trend is 115,000, 120,000 and 125,000 yen, a rise of about 8.7%. Using the 120,000 yen/m² of the road along the Sakai River gives an assessed ratio of about 81.3%.

View source
Listing check

The listing gives the address only as Kamiwada, Yamato. From the map position in the LIFULL HOME'S new-house listing, its note "30 m to Kamiwada Junior High School", and the school building visible in the background of the SUUMO site photos, we placed the property in the block north of Kamiwada Junior High School. The SUUMO map points to a residential area about 1 km to the west that does not match the photos, so it was not used.

On-site check from photos

We checked three SUUMO site photos and the overall plot plan. Seen from the roughly 4 m public road on the north, the lot is vacant land almost level with the road and with the neighbouring houses to the east and west (a low block wall of two or three courses with a fence on the right). The plot plan shows a three-step symbol at the boundary with the south road, and GSI elevation data (1 m mesh) also shows less than 1 m between the lot and the south road.

Building valuation assumptions

The building is a wooden two-storey house (94.39 m²) scheduled for completion in March 2027 and valued as new (0 years old). The assessed ratio falls with age: about 80.7% at 1 year and about 78.6% at 2 years. Parking is outdoor side-by-side for two cars, not a built-in garage.

What We Could Not Confirm

  • There are no site photos from the roughly 6 m public road on the south, so the height difference to the road indicated by the step symbol on the plot plan (estimated at about 0.5-0.8 m) has not been confirmed on site.
  • As the building is not yet complete, whether the exterior, exterior works (any retaining or block walls) and completion date will be as listed needs to be confirmed with the seller.
  • As the lot number is not disclosed, the location is the block north of Kamiwada Junior High School judged from the listing map and surroundings, and the route price is identified only to that extent.

※ 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

Sotetsu Rosen

Supermarket. About 340 m in a straight line from the property position on the listing map (OpenStreetMap).

Source
Create SD Shimoseya

Drugstore. About 390 m in a straight line from the property position on the listing map (OpenStreetMap).

Source
7-Eleven Yamato Kamiwada Chuo

Convenience store. About 520 m in a straight line from the property position on the listing map (OpenStreetMap).

Source

Neighborhood ② Dining Near the Station

Ramen Karaku

Ramen restaurant. About 370 m in a straight line from the property position on the listing map (OpenStreetMap).

Source
McDonald's Kanjo 4-gosen Hinatayama Sunny Isle

Hamburger fast-food restaurant. About 410 m in a straight line from the property position on the listing map (OpenStreetMap).

Source
Gusto Yamato Kamiwada

Family restaurant. About 810 m in a straight line from the property position on the listing map (OpenStreetMap).

Source

About This Property

⚠️ This is a new house scheduled for completion in March 2027; the site is currently vacant land with no building. The building is valued as new on completion, so the assessment will change if the completion date or specifications change. On the plot plan there is a symbol for three steps at the southern end of the boundary between houses A and B, facing the roughly 6 m public road on the south, suggesting the lot may be about 0.5-0.8 m higher than the south road. There are no site photos of the south side, and this height difference has not been confirmed.

A new detached house (house A of 2) in Kamiwada, Yamato, Kanagawa, 18 minutes on foot (about 1,440 m) from Sakuragaoka Station on the Odakyu Enoshima Line. Buses also run to Seya and Yamato stations on the Sotetsu Line. It lies in a residential area just north of Yamato Municipal Kamiwada Junior High School, close to the border with Seya Ward, Yokohama, on the east.

The land is 137.74 m² of freehold, a regular-shaped lot facing two roads: a public road of about 6 m on the south and about 4 m on the north. The building is a wooden two-storey 4LDK (post-and-beam) with a total floor area of 94.39 m², and there is side-by-side parking for two cars on the north. It is in a Category 1 Low-rise Exclusive Residential Zone (50% building coverage, 80% floor area ratio) and a quasi-fire prevention district, with no private road share or setback. The LIFULL HOME'S listing states that it is certified as long-life quality housing. Kenbiya lists it in the rental house category, but the yield is undecided and there is no rental record.

In terms of assessed value, the land valued at the 2026 route price of 125,000 yen/m² (up about 8.7% over three years) plus the new wooden building gives an assessed ratio of about 82.8%. The margin above 80% is small; using the nearby 120,000 yen/m² band gives about 81.3%. The price of 45.9 million yen is the sale price of a new development, and house B in the same development is 46.9 million yen.

As a new house, the building makes up a large share of the assessment, so the assessed ratio will fall as the building ages (about 80.7% at 1 year and about 78.6% at 2 years). The height difference at the south boundary and the exterior works after completion cannot be confirmed from the listing, so we recommend checking them with the seller.

Estimated Financing

Assessed value ¥37,983,300 → estimated loan ¥37,980,000 (83% 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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