積算100
[Assessed 120.9%] Detached house in Abiko, Chiba — 20 min from Abiko Sta.
Assessed 120.9%Detached houseAbiko, ChibaAbiko Sta. 20 min walk

[Assessed 120.9%] Detached house in Abiko, Chiba — 20 min from Abiko Sta.

Published: Updated:

Property Overview

LocationAbiko, Chiba
Nearest StationJR Joban Line Abiko Sta.
Walk20 min walk
Assessed Ratio120.9%Assessed 120.9%
Price¥11,800,000
TypeDetached house
StructureWooden
BuiltBuilt Sep 1972 (54 years old)
Land Area179.34㎡
Building Area98.14㎡

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.

athome¥11,800,000View listing

Assessed Value Breakdown

Land assessed value¥14,267,700
Building assessed value¥0
Total assessed value¥14,267,700
Asking price¥11,800,000
Assessed ratio120.9%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 98.14m² × remaining life 0y ÷ statutory life 22y
  • Built Sep 1972 (54 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +7.1%
YearRoad price (JPY/m²)YoY
202484,000—
202587,000+3.6%
202690,000+3.4%

※ 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 property backs onto a wooded slope, we checked the height differences around the lot against the 2026 route price maps, all 16 listing photos and GSI elevation data.

Locating the road price

We traced every local road in Kotobuki 2-chome on the 2026 route price maps (sheet 14359 and others). ¥90,000 and ¥92,000/㎡ were tied at five sections each, so we used the lower ¥90,000/㎡. The same sections were ¥84,000/㎡ two years earlier.

View source
Effective land area

The listing does not say whether the 20.81 ㎡ private-road burden is included in the 179.34 ㎡ lot, so we assumed it is and valued 158.53 ㎡ (120.9%). Without the deduction the ratio is 136.8%. The frontage is a 4.0 m private road, so no setback was deducted.

On-site check from photos

We opened all 16 listing photos; two show the site. The south garden and parking space are level with the road, with no steps. The east block wall is a boundary wall with ground at the same height on both sides. The rear block wall is about 0.6–0.8 m high, with trees overhanging it.

Rights and restrictions

A cross-section of GSI 1 m elevation data at the estimated location shows the lot at 5.4–5.7 m, rising to 9.0 m about 2 m to the north and 13.9 m about 9 m to the north. A slope about 8 m high appears to lie just beyond the north boundary, though the location is estimated.

What We Could Not Confirm

  • We have not confirmed whether the property sits below the slope (cliff) behind it, or whether cliff-related rules would apply when rebuilding.
  • The lot number is not disclosed, so the location is estimated from aerial photos. The route price and elevation readings may change depending on the actual lot.
  • The form of the 20.81 ㎡ private-road share (co-ownership or not) and the road type (designated road or not) are not stated.
  • The full north and west boundaries are not visible in the photos, so retaining heights have only been partly checked.
  • The lot straddles two zoning districts, and the listing does not say which part of the lot falls in which.

※ 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

KEIHOKU Kotobuki
4 min walk from the station

Supermarket, about 280 m in a straight line from the centre of the block (OpenStreetMap).

Source
Kasumi
4 min walk from the station

Supermarket, about 310 m in a straight line from the centre of the block (OpenStreetMap).

Source
Welcia Pharmacy Abiko Wakamatsu
6 min walk from the station

Drugstore, about 460 m in a straight line from the centre of the block (OpenStreetMap).

Source

Neighborhood ② Dining Near the Station

Kisetsu Ryori Suzuki
3 min walk from the station

Japanese restaurant, about 240 m in a straight line from the centre of the block (OpenStreetMap).

Source
Ramen Kairikiya Chiba Abiko
5 min walk from the station

Ramen restaurant, about 350 m in a straight line from the centre of the block (OpenStreetMap).

Source
Hama-zushi Abiko Wakamatsu
6 min walk from the station

Conveyor-belt sushi restaurant, about 430 m in a straight line from the centre of the block (OpenStreetMap).

Source

About This Property

⚠️ The back (north side) of the property is a wooded slope. A cross-section of the Geospatial Information Authority of Japan's 1 m elevation data at the estimated location suggests a slope (cliff) that rises about 8 m just beyond the north boundary. The lot number is not disclosed, so the location is an estimate based on aerial photos, but if the house sits below the cliff, Chiba Prefecture's building ordinance provisions on cliffs may require measures such as a retaining wall when rebuilding. The listing mentions no cliff or retaining wall, and the block wall at the rear visible in the photos retains less than 1 m of soil. Please confirm with the agent and Abiko City before considering a purchase.

A pre-owned detached house in Kotobuki 2-chome, Abiko, a 20-minute walk from Abiko Station on the JR Joban Line (or a 7-minute bus ride from the station to the Shiyakusho stop, then a 1-minute walk). The KEIHOKU Kotobuki and Kasumi supermarkets are roughly 300 m from the centre of the block, so daily shopping is within walking distance (distances are straight-line from the centre of the block).

The two-storey wooden house was built in September 1972, with 98.14 ㎡ of floor area and a 4SLDK layout. The interior (floors, walls, ceilings and fittings) was fully renovated in May 2026; there are two toilets, parking for two cars and a garden, and the main windows face south. The 179.34 ㎡ freehold lot (registered area) straddles a Category 1 Low-rise Exclusive Residential Zone and a Category 2 Residential Zone (60% building coverage, 150% floor-area ratio), is registered as residential land and is level. It fronts a 4.0 m private road to the south, with a private-road burden of 20.81 ㎡. The house is vacant and available for immediate handover.

The building has passed 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 route price is ¥90,000/㎡, up about 7% from ¥84,000/㎡ two years earlier. On the local roads of Kotobuki 2-chome, ¥90,000 and ¥92,000/㎡ are tied as the most common values, so we used the lower ¥90,000. The listing does not say whether the 20.81 ㎡ private-road burden is included in the lot area, so we assumed it is and deducted it, valuing 158.53 ㎡ (assessed ratio 120.9%). Without the deduction the ratio is 136.8%. Even at ¥73,000/㎡, the lowest value in the block, it is about 98%.

The land value exceeds the price, and the house has a newly renovated interior ready for use. On the other hand, the listing does not show whether the slope behind affects rebuilding, nor the form of the private-road share and the road type. We recommend checking these on site and with the local authorities.

Estimated Financing

Assessed value ¥14,267,700 → estimated loan ¥11,800,000 (100% 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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