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[Assessed 92.2%] Detached house in Koshigaya, Saitama — 15 min from Kita-Koshigaya Sta.
Assessed 92.2%Detached houseKoshigaya, SaitamaKita-Koshigaya Sta. 15 min walk

[Assessed 92.2%] Detached house in Koshigaya, Saitama — 15 min from Kita-Koshigaya Sta.

Published: Aug 8, 2026Updated: Aug 8, 2026

Property Overview

LocationKoshigaya, Saitama
Nearest StationTobu Isesaki Line Kita-Koshigaya Sta.
Walk15 min walk
Assessed Ratio92.2%Assessed 92.2%
Price¥25,800,000
TypeDetached house
StructureWooden
BuiltBuilt May 2018 (8 years old)
Land Area152.24㎡
Building Area96.38㎡

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¥25,800,000View listing

Assessed Value Breakdown

Land assessed value¥10,295,040
Building assessed value¥13,493,200
Total assessed value¥23,788,240
Asking price¥25,800,000
Assessed ratio92.2%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 96.38m² × remaining life 14y ÷ statutory life 22y
  • Built May 2018 (8 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +5.5%
YearRoad price (JPY/m²)YoY
202491,000
202593,000+2.2%
202696,000+3.2%

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

Neighborhood ① Shopping Near the Station

Co-op Mirai Kita-Koshigaya Store
10 min walk from the station

At 2-5-1 Higashi-Osawa, Koshigaya City. A grocery supermarket in the same Higashi-Osawa as the property, open 9:30-22:00 with 106 parking spaces.

Source
Trial Kita-Koshigaya Store
12 min walk from the station

A discount store in Higashi-Osawa, Koshigaya City. Open 24 hours, carrying daily goods, interior items, clothing and small appliances as well as food.

Source

About This Property

A pre-owned detached house in Higashi-Osawa 2-chome, Koshigaya City, a 15-minute walk from Kita-Koshigaya Station on the Tobu Isesaki Line. Co-op Mirai Kita-Koshigaya (9:30-22:00, 106 parking spaces) is in Higashi-Osawa, the same neighbourhood as the property, and Sagishiro Elementary School is 290 m away.

The building is wooden, two storeys, 4LDK with 96.38 sqm of total floor area, built in May 2018 and so eight years old. Refurbishment including new wallpaper throughout was completed in June 2026. The land is 152.24 sqm held in freehold. Photographs show the passage from the frontage road to the house is flat throughout, with no step or stepped access.

The inheritance-tax roadside land value for the frontage is 96,000 yen/sqm. As this is a flagpole plot, calculating on the effective site of 107.24 sqm after deducting 45 sqm for the pole portion, the land assesses at roughly 10.30 million yen; adding the building assessment of roughly 13.49 million yen (wooden, 14 years of useful life remaining) gives about 23.79 million yen, or 92.2% of the 25.80 million yen asking price.

At eight years old the building makes up close to 60% of the assessed value. Please confirm details with the listing page and the agent.

Estimated Financing

Assessed value ¥23,788,240 → estimated loan ¥23,780,000 (92% 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.

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