積算100
[Assessed 90%] Detached house in Hachioji, Tokyo — 12 min from Yamada Sta.
Assessed 90%Detached houseHachioji, TokyoYamada Sta. 12 min walk

[Assessed 90%] Detached house in Hachioji, Tokyo — 12 min from Yamada Sta.

Published: Updated:

Property Overview

LocationHachioji, Tokyo
Nearest StationKeio Takao Line Yamada Sta.
Walk12 min walk
Assessed Ratio90%Assessed 90%
Price¥8,800,000
TypeDetached house
StructureWooden
BuiltBuilt Oct 1979 (47 years old)
Land Area84.23㎡
Building Area62.94㎡

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¥8,800,000View listing

Assessed Value Breakdown

Land assessed value¥7,917,620
Building assessed value¥0
Total assessed value¥7,917,620
Asking price¥8,800,000
Assessed ratio90%

Calculation basis

  • Land = road price ¥94,000/m² × land area 84.23m²
  • Building = replacement cost ¥220,000/m² × floor area 62.94m² × remaining life 0y ÷ statutory life 22y
  • Built Oct 1979 (47 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +5.6%
YearRoad price (JPY/m²)YoY
202489,000—
202591,000+2.2%
202694,000+3.3%

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

How We Checked This Property

We counted the local roads around the property in Kobiki-machi on the 2026 road price sheets, checked the levels around the site with eight site photos and the GSI elevation data, and confirmed Hachioji's minimum lot size.

Locating the road price

Kobiki-machi spans eight road price sheets. Placing the listing's map position on sheet No. 55107 puts the plot between a north–south metropolitan road (¥120,000/m²) and the Kitano Kaido (¥110,000/m²), where the local roads read ¥94,000/m² on two sections and ¥96,000–100,000/m² on one each. We adopted the most common, ¥94,000/m². The road in front shows no road price and appears to be a branch off the Kitano Kaido. Whichever local-road band is taken, the ratio stays above 80%.

View source
Effective land area

The private-road field only states a 4 m asphalt road with no burden area, and at 4 m wide no setback is needed. With no flagpole strip or sloping portion visible in the photos, we valued the full listed 84.23 m².

On-site check from photos

We checked eight site photos (two of the road, three exteriors and others). The road and parking space are level, and the three steps inside the plot to the entrance rise about 0.6 m. The eastern block wall (about 1.0–1.2 m) has level ground on both sides, and the western side garden is level with the neighbour. It is neither a flagpole lot nor terraced.

Building valuation assumptions

The two-storey timber house (62.94 m²) was built in October 1979. At 47 years it exceeds the 22-year statutory life for timber, so the building is valued at zero.

Rights and restrictions

Hachioji's zoning plan sets a minimum lot size of 120 m² in Category I Low-rise Exclusive Residential zones with 30–40% building coverage. This plot is 84.23 m², below that minimum.

View source

What We Could Not Confirm

  • The plot is below the 120 m² minimum lot size. Whether it can be rebuilt as a lot that predates the minimum needs to be confirmed with Hachioji City.
  • The street number is not disclosed, and the dead-end road in front shows no road price. The representative value is ¥94,000/m² from nearby local roads; an actual valuation may require a specific road price to be set.
  • The ground level of the northern neighbour is not fully visible in the photos. The elevation data found no 1 m-scale step nearby, but the listing's map position is only approximate.
  • The house is 47 years old and timber-built; its condition and repair history are not stated. As the seller is exempt from defect liability, an inspection before purchase is recommended.

※ 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

Lawson Store 100 Hachioji Yamada
10 min walk from the station

Convenience store, 750 m from the property according to the listing.

Source
7-Eleven Keio Yamada Ekimae
11 min walk from the station

Convenience store by Yamada Station, 850 m from the property according to the listing.

Source
Matsumoto Kiyoshi Mejirodai
14 min walk from the station

Drugstore, 1,100 m from the property according to the listing.

Source

Neighborhood ② Dining Near the Station

Soba-dokoro Omura
2 min walk from the station

Soba restaurant, about 140 m in a straight line from the listing's map position (OpenStreetMap), in Kobiki-machi.

Source
Chuka Goro Goro-ya
4 min walk from the station

Chinese restaurant, about 260 m in a straight line (OpenStreetMap), in Kobiki-machi.

Source
Yumean
8 min walk from the station

Japanese family restaurant, about 570 m in a straight line (OpenStreetMap), in Mejirodai 2-chome.

Source

About This Property

This second-hand detached house stands in Kobiki-machi, Hachioji, Tokyo, a 12-minute walk from Yamada Station on the Keio Takao Line and 27 minutes on foot from Hachioji-Minamino Station on the JR Yokohama Line. It lies in a residential area north of the Yudono River. According to the listing, the Hachioji Kobiki post office is 100 m away, a Lawson Store 100 750 m, a 7-Eleven by Keio Yamada Station 850 m and a Matsumoto Kiyoshi drugstore 1,100 m. For dining, the soba restaurant Omura is about 140 m from the map position in the listing, the Chinese restaurant Goro Goro-ya about 260 m and Yumean about 570 m (straight-line distances from OpenStreetMap).

The two-storey timber house was built in October 1979, with a 3DK layout plus a storeroom and 62.94 sqm of floor space. The land is 84.23 sqm of freehold, registered as residential land. Zoning is Category I Low-rise Exclusive Residential (40% building coverage, 80% floor area ratio), within a Category 1 height control district and an Article 22 fire-prevention area. The plot fronts a 4 m asphalt road to the south and has parking for one car. It is sold as-is, with the seller exempt from defect liability and from repairing equipment, and is available immediately. The asking price is 8.8 million yen. ⚠️ Hachioji sets a minimum lot size of 120 sqm in Category I Low-rise Exclusive Residential zones with 30–40% building coverage, and this plot (84.23 sqm) falls below it. A lot that already had its current size before the minimum was set can usually be rebuilt as long as it is not subdivided, but whether this plot qualifies needs to be confirmed with Hachioji City.

For the roadside land value we counted the local roads around the property on the 2026 road price sheet No. 55107 (leasehold ratio D) and adopted the most common value, 94,000 yen per sqm. The same route rose from 89,000 yen in 2024 to 91,000 yen in 2025 and 94,000 yen in 2026, up about 5.6% over two years. At 47 years old the timber house exceeds its 22-year statutory life and is valued at zero, so on the 84.23 sqm of land the assessed ratio is about 90.0%. ⚠️ The dead-end road in front carries no road price of its own and appears to be a branch off the Kitano Kaido (110,000 yen per sqm); the 94,000 yen representative value comes from the nearby local roads.

We checked the surroundings in the eight site photos in the listing (taken on 9 October 2026). The southern frontage road is flat asphalt, and the parking space is level with it. There are three steps inside the plot up to the entrance, a rise of about 0.6 m. The block wall on the eastern boundary (about 1.0–1.2 m high) has ground at the same level on both sides and is a fence rather than a retaining wall. The western side garden is also level with the neighbouring plot, and the house is neither a flagpole lot nor terraced. ⚠️ The ground level of the northern neighbour is not fully visible in the photos.

Estimated Financing

Assessed value ¥7,917,620 → estimated loan ¥7,910,000 (90% 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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