積算100
[Assessed 80.4%] Detached house in Kamagaya, Chiba — 6 min from Kita-Hatsutomi Sta.
Assessed 80.4%Detached houseKamagaya, ChibaKita-Hatsutomi Sta. 6 min walk

[Assessed 80.4%] Detached house in Kamagaya, Chiba — 6 min from Kita-Hatsutomi Sta.

Published: Updated:

Property Overview

LocationKamagaya, Chiba
Nearest StationKeisei Matsudo Line Kita-Hatsutomi Sta.
Walk6 min walk
Assessed Ratio80.4%Assessed 80.4%
Price¥4,980,000
TypeDetached house
Expected Yield14.45%
StructureWooden
BuiltBuilt Feb 1983 (43 years old)
Land Area49.42㎡
Building Area48.5㎡

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.

Rakumachi¥4,980,000View listing
athome¥4,980,000View listing

Assessed Value Breakdown

Land assessed value¥4,003,020
Building assessed value¥0
Total assessed value¥4,003,020
Asking price¥4,980,000
Assessed ratio80.4%

Calculation basis

  • Land = road price ¥81,000/m² × land area 49.42m²
  • Building = replacement cost ¥220,000/m² × floor area 48.5m² × remaining life 0y ÷ statutory life 22y
  • Built Feb 1983 (43 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +14.1%
YearRoad price (JPY/m²)YoY
202471,000—
202575,000+5.6%
202681,000+8.0%

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

How We Checked This Property

Because the listing gives no road-access details, we traced the road prices for each part of Kita-Hatsutomi on the 2026 road price maps and checked the height difference between the site and the road in the 10 listing photos.

Locating the road price

We checked Kita-Hatsutomi on the 2026 road price map (sheet 09284). The inner streets of the area northwest of the station, where the property is thought to be, carry no road price, and the surrounding block roads are priced at 81,000, 83,000 and 91,000 yen/m² with one section each, so we adopted the lowest, 81,000 yen/m². The same section has risen from 71,000 yen/m² two years earlier.

View source
Listing check

Since the lot number is not disclosed, we narrowed the location to the area northwest of Kita-Hatsutomi Station from the distance to the elementary school in the listing (about 1.0 km) and the 6-minute walk to the station. Kita-Hatsutomi has no chome subdivisions, and road prices range from 81,000 to 105,000 yen/m² depending on the area.

On-site check from photos

We checked all 10 listing photos (2 exterior, 1 view, 7 interior). The bottom of the gate is level with the road, and the front block wall is a screen wall, not a retaining wall. The site is also level with the parking lot on the left, with no retaining wall, stepped access or flag-shaped lot. The house is separate from the neighbouring house on the right and is not a row house.

Building valuation assumptions

The wooden house was built in February 1983 and has exceeded the 22-year statutory useful life, so its assessed value is zero. The valuation rests only on the 49.42 m² of land (registered area).

Rights and restrictions

Water is public, sewage is a septic tank and gas is propane. The registered land category is forest, the property is sold as-is without boundary demarcation, and there is no parking.

What We Could Not Confirm

  • The road-access field in the listing is blank, and the width and type of the front road (public or private, Article 42-2 road or not) are not stated. The photos show no centre line, so whether the road is at least 4 m wide cannot be determined.
  • Against an assessed ratio of 80.4%, the margin before falling below 80% is about 0.24 m² of site area. Any setback or private-road share included in the land area would push it below 80% (e.g. 79.97% for a 3.9 m wide Article 42-2 road with 5 m of frontage).
  • Because the lot number is not disclosed, the area is estimated from distances. The applicable road price may differ depending on the actual lot.
  • The registered land category is still forest, and boundaries will not be demarcated. Whether a change of land category or a boundary survey is needed should be confirmed with the listing agent.
  • The rear boundary does not appear in the photos, and any height difference there is unconfirmed.

※ 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

Japan Meat Oroshiuri Ichiba Kamagaya
4 min walk from the station

Supermarket, about 300 m from the property according to the listing.

Source
7-Eleven Kamagaya Hatsutomi-honcho
10 min walk from the station

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

Source
Sun Drug Hatsutomi-honcho
12 min walk from the station

Drugstore, about 900 m from the property according to the listing.

Source

Neighborhood ② Dining Near the Station

Rairaitei
2 min walk from the station

Ramen restaurant, about 140 m in a straight line from Kita-Hatsutomi Station (OpenStreetMap).

Source
Himawari Ramen
6 min walk from the station

Ramen restaurant, about 460 m in a straight line from Kita-Hatsutomi Station (OpenStreetMap).

Source
Shabu-Shabu Onyasai
9 min walk from the station

Shabu-shabu restaurant, about 700 m in a straight line from Kita-Hatsutomi Station (OpenStreetMap).

Source

About This Property

⚠️ The road-access field in the listing is blank, so the width and type of the front road (public or private, and whether it is a Article 42-2 road under the Building Standards Act) have not been confirmed. The assessed ratio is 80.4%, and the margin before it falls below 80% is only about 0.24 m² of site area. If the front road is narrower than 4 m and even a small setback is required, or if a private-road share is included in the land area, the ratio will fall below 80%. Please confirm the road width, type and any setback requirement with the listing agent or the city office.

This is a used detached house in Kita-Hatsutomi, Kamagaya, a 6-minute walk from Kita-Hatsutomi Station on the Keisei Matsudo Line, with Shin-Kamagaya Station (Hokuso Line / Tobu Noda Line) also 15 minutes on foot. According to the listing, Japan Meat Oroshiuri Ichiba Kamagaya is about 300 m away and a 7-Eleven about 750 m, so daily shopping is within walking distance.

The two-storey wooden house was built in February 1983, with 48.50 m² of floor area on 49.42 m² of land (registered area) and a 3DK layout (the listing notes that the layout is still being surveyed). The land is freehold in a Category 1 Medium-to-High-Rise Exclusive Residential Zone (60% building coverage / 200% floor area ratio). The house is currently vacant, with an assumed rent of 60,000 yen per month (assumed yield 14.45%). Water is public, sewage is a septic tank, gas is propane, and there is no parking. The registered land category is still forest, although the plot is used as residential land with a house on it. The seller, AlbaLink Co., Ltd., sells it as-is without boundary demarcation, and renovation is assumed.

The building has exceeded the 22-year statutory useful life for wooden structures, so its assessed value is zero and the valuation rests on the land alone. The 2026 road price is 81,000 yen/m², up about 14% from 71,000 yen/m² two years earlier. In the area northwest of the station, the inner streets carry no road price, so we took the lowest of the surrounding block roads (81,000, 83,000 and 91,000 yen/m²); at 83,000 the ratio would be 82.4% and at 91,000 it would be 90.3%. Because the lot number is not disclosed, the area was narrowed down from the distances to the school and station given in the listing, and the applicable road price may differ depending on the actual lot.

The land value roughly matches the price, making this a small-budget detached rental, but the valuation margin is thin and depends on the road conditions. We recommend checking the site and the city office, including the septic tank, propane gas, lack of parking and undemarcated boundaries, before considering it.

Estimated Financing

Assessed value ¥4,003,020 → estimated loan ¥4,000,000 (80% 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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