積算100
座間市座間2丁目の中古一戸建て(イメージ)
Assessed 119.9%Detached houseZama, KanagawaSobudaishita Sta. 13 min walk

[Assessed 119.9%] Detached house in Zama, Kanagawa — 13 min from Sobudaishita Sta.

Published: Updated:

Property Overview

LocationZama, Kanagawa
Nearest StationJR Sagami Line Sobudaishita Sta.
Walk13 min walk
Assessed Ratio119.9%Assessed 119.9%
Price¥7,000,000
TypeDetached house
Expected Yield12%
StructureWooden
BuiltBuilt May 1979 (47 years old)
Land Area80.26㎡
Building Area72.44㎡

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¥7,000,000View listing

Assessed Value Breakdown

Land assessed value¥8,390,550
Building assessed value¥0
Total assessed value¥8,390,550
Asking price¥7,000,000
Assessed ratio119.9%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 72.44m² × remaining life 0y ÷ statutory life 22y
  • Built May 1979 (47 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +6.1%
YearRoad price (JPY/m²)YoY
202499,000—
202599,000±0.0%
2026105,000+6.1%

※ 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 has no site photos, we checked five sheets of the 2026 road price map, the valuation multiplier table, the lot plan and GSI elevation data, and we separate what we could confirm from what we could not.

Locating the road price

We counted the local streets of Zama 2-chome on the 2026 road price map (sheet 80067 and others; the area spans five sheets) and took the most common value, ¥105,000/m², as representative. The same street was ¥99,000/m² in 2024 and 2025. The listing's map position is east of the JR Sagami Line on sheet 80055, where local streets are mostly ¥88,000–91,000/m², but even those values give a ratio above 100%.

View source
Rights and restrictions

In the 2026 valuation multiplier table, Zama 2-chome mixes urbanization-promotion areas (road prices) and urbanization-control areas (multipliers). The multiplier area is the paddy-field zone west of the JR Sagami Line, and the listing's map position lies in the road-price area east of the tracks. However, the listing's city-planning field is blank, so the zoning itself is unconfirmed.

Effective land area

The lot plan shows the site touching Zama City Road No. 126, about 3.85 m wide, at its corner. Treating it as a road narrower than 4 m, we deducted the setback to 2 m from the road centre (about 0.35 m²) and assessed 79.91 m². Without the deduction the ratio would be about 120.4%. The share of the designated private road is treated as a separate parcel and not deducted.

On-site check from photos

The only athome image is the lot plan, and we found no listing of the same property with photos on SUUMO, Rakumachi or Yahoo! Real Estate. GSI 1 m elevation data shows less than 0.5 m of variation within 40 m of the map position, but the map position has an error margin and retaining walls or steps have not been confirmed by photo.

Building valuation assumptions

Two-storey wooden house completed in May 1979 (72.44 m², 4K). It has passed the statutory useful life for wood, so the building is valued at zero and only the land is assessed. It is let as an owner-change rental with listed annual rent of ¥840,000.

What We Could Not Confirm

  • With no site photos, we could not confirm whether there is a retaining wall or a step to the front road (including access by stairs). Elevation data suggests flat surroundings, but the map position has an error margin.
  • The lot plan suggests a rectangular corner lot rather than a flag-shaped one, but whether the house is attached to its neighbours and the condition of the 47-year-old exterior have not been confirmed by photo.
  • The listing's city-planning, use-district and building/floor-area ratio fields are blank, so we could not confirm whether the site is in the urbanization-promotion area or whether it can be rebuilt. Part of Zama 2-chome is an urbanization-control area.
  • The road-frontage field is blank; whether a setback is needed on Zama City Road No. 126 (about 3.85 m, boundary not surveyed), the share in the designated private road and consent for passage and excavation need to be confirmed with the agent.
  • The ¥7 million price is below the road-price land value (about ¥8.39 million). Boundaries are not demarcated and the surveyed area is not fixed, so the reason for the low price needs to be checked on site and in documents.

※ 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

MINISTOP

Convenience store. About 170 m in a straight line from the listing's map position; located in Zama 1-chome, Zama (OpenStreetMap position checked with the GSI reverse geocoder).

Source
7-Eleven Zama 2-chome

Convenience store. About 510 m in a straight line from the listing's map position; located in Zama 2-chome, Zama (OpenStreetMap position checked with the GSI reverse geocoder).

Source
Shinsen Ichiba Nakaya Zama Iriya

Supermarket. About 760 m in a straight line from the listing's map position; located in Iriya-nishi 5-chome, Zama (OpenStreetMap position checked with the GSI reverse geocoder).

Source

Neighborhood ② Dining Near the Station

McDonald's Zama

Hamburger restaurant. About 630 m in a straight line from the listing's map position; located in Zama 2-chome, Zama (OpenStreetMap position checked with the GSI reverse geocoder).

Source
Tonden Zama (Japanese family restaurant)

Japanese family restaurant. About 660 m in a straight line from the listing's map position; located in Iriya-nishi 2-chome, Zama (OpenStreetMap position checked with the GSI reverse geocoder).

Source
Ramen Kairikiya Zama

Ramen shop. About 710 m in a straight line from the listing's map position; located in Iriya-nishi 5-chome, Zama (OpenStreetMap position checked with the GSI reverse geocoder).

Source

About This Property

⚠️ The listing has no on-site photos (the only image is a lot plan), so we could not check by photo whether there is a retaining wall, whether there is a step between the site and the road, whether it is a flag-shaped lot, whether the house is attached to its neighbours, or the condition of the building exterior. The listing's fields for road frontage, city-planning zone, use district and building/floor-area ratios are all blank. Zama 2-chome contains both urbanization-promotion and urbanization-control areas; from the road price map and the listing's map position we judge the site to be on the urbanization-promotion side (a road-price area), but the zoning and whether the house can be rebuilt have not been confirmed.

This is a pre-owned detached house in Zama 2-chome, Zama, a 13-minute walk from both Sobudaishita and Iriya stations on the JR Sagami Line and 21 minutes from Zama Station on the Odakyu Odawara Line. In a straight line from the listing's map position there is a MINISTOP about 170 m away, a 7-Eleven about 510 m away and the Nakaya supermarket about 760 m away, with McDonald's and the Tonden Japanese family restaurant about 630–660 m away (OpenStreetMap).

The house is a two-storey wooden building completed in May 1979 with 72.44 m² of floor area (4K), on 80.26 m² of freehold land (registered area). It is currently let as an owner-change rental, with listed annual rent of ¥840,000 (¥70,000 a month) and a gross yield of 12.00%. The lot plan shows a rectangular corner site touching a 4 m designated private road (with a share) and Zama City Road No. 126, about 3.85 m wide (road boundary not yet surveyed). The sale is without contract-nonconformity liability and without boundary demarcation.

Because the wooden building has passed its statutory useful life, the building is valued at zero and only the land is assessed. The 2026 road price is ¥105,000/m², the most common value on the local streets of Zama 2-chome, up from ¥99,000/m² in 2024 and 2025. Treating the city road as narrower than 4 m and deducting a 0.35 m² setback leaves 79.91 m², giving a land value of about ¥8.39 million — roughly 120% of the ¥7 million price. Even at the road prices near the map position (¥88,000–91,000/m²) the ratio stays above 100%. The price being below the land value may reflect the 47-year-old building, the small 80 m² site, and the no-boundary/no-liability terms; on-site and document checks are essential before buying.

Estimated Financing

Assessed value ¥8,390,550 → estimated loan ¥7,000,000 (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。

More articles on the blog
[Assessed 111.1%] Land in Hiratsuka, Kanagawa — 19 min from Hiratsuka Sta.
Assessed 111.1%
Source: athome
Land

[Assessed 111.1%] Land in Hiratsuka, Kanagawa — 19 min from Hiratsuka Sta.

Hiratsuka, KanagawaJR Tokaido Line Hiratsuka Sta. 19 min walk
¥49.8M
横浜市金沢区富岡東1丁目の戸建(イメージ)
Assessed 88%
Source: athome / SUUMO
Detached house
2 sites

[Assessed 88%] Detached house in Kanazawa Ward, Yokohama, Kanagawa — 18 min from Sugita Sta.

Kanazawa Ward, Yokohama, KanagawaKeikyu Main Line Sugita Sta. 18 min walk
¥33.8M
[Assessed 87.2%] Land in Izumi Ward, Yokohama, Kanagawa — 16 min from Nakada Sta.
Assessed 87.2%
Source: athome
Land

[Assessed 87.2%] Land in Izumi Ward, Yokohama, Kanagawa — 16 min from Nakada Sta.

Izumi Ward, Yokohama, KanagawaYokohama Municipal Subway Blue Line Nakada Sta. 16 min walk
¥29.8M