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[Assessed 84.5%] Detached house in Kawaguchi, Saitama — 18 min from Araijuku Sta.
Assessed 84.5%Detached houseKawaguchi, SaitamaAraijuku Sta. 18 min walk

[Assessed 84.5%] Detached house in Kawaguchi, Saitama — 18 min from Araijuku Sta.

Published: Updated:

Property Overview

LocationKawaguchi, Saitama
Nearest StationSaitama Rapid Railway Araijuku Sta.
Walk18 min walk
Assessed Ratio84.5%Assessed 84.5%
Price¥9,800,000
TypeDetached house
StructureWooden
BuiltBuilt Jun 1965 (61 years old)
Land Area69.01㎡
Building Area66.93㎡

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¥9,800,000View listing

Assessed Value Breakdown

Land assessed value¥8,281,200
Building assessed value¥0
Total assessed value¥8,281,200
Asking price¥9,800,000
Assessed ratio84.5%

Calculation basis

  • Land = road price ¥120,000/m² × land area 69.01m²
  • Building = replacement cost ¥220,000/m² × floor area 66.93m² × remaining life 0y ÷ statutory life 22y
  • Built Jun 1965 (61 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +9.1%
YearRoad price (JPY/m²)YoY
2024110,000—
2025115,000+4.5%
2026120,000+4.3%

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

How We Checked This Property

Rather than reproducing the listing as-is, we confirmed by facility-based calibration that the site lies outside the readjustment area's individually-assessed zone before adopting a road price.

Locating the road price

Oaza Sato in Kawaguchi spans eight sheets, most of it an individually-assessed land-readjustment zone with no road prices. We calibrated the map on four school symbols and confirmed the listing's marker lands in established housing about 290 m north of that zone's edge, corroborated by facility distances. We used the nearest block street's ¥120,000/m²; even the lowest nearby value within calibration error, ¥120,000/m², gives 84.5%.

View source
On-site check from photos

We checked the site photo including the frontage road plus two exteriors at high resolution. The plot is roughly level with the narrow lane; the 0.15–0.25 m rise at the entrance is the thickness of the concrete slab. No retaining wall, stepped approach or slope — a regular plot with the entrance facing the road directly.

Effective land area

With no private-road burden and no flagpole shape, the full 69.01 m² is used for the land valuation. The 61-year-old building is assessed at zero.

What We Could Not Confirm

  • The listing omits the road width, and the frontage looks like a narrow paved lane in the photos. The frontage width and rebuildability are worth confirming.

※ 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

7-Eleven Hatogaya Sato Chugakko-mae
12 min walk from the station

About 461 m from the property. A convenience store. Location confirmed on OpenStreetMap; distance measured straight-line from the property coordinate in the listing HTML.

Source
Sugi Pharmacy Kawaguchi Nishi-Araijuku
14 min walk from the station

About 1,065 m from the property (14-minute walk). A drugstore. Listed with its distance in the listing.

Source
Lawson Araijuku Ekimae
14 min walk from the station

About 1,094 m from the property (14-minute walk). A convenience store. Listed with its distance in the listing.

Source

Neighborhood ② Dining Near the Station

Yokohama Iekei Ramen Miyamoto Shoten
6 min walk from the station

About 680 m from the property. A ramen restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the property coordinate in the listing HTML.

Source
Yakiniku Anrakutei Kawaguchi Nishi-Araijuku
9 min walk from the station

About 998 m from the property. A yakiniku restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the property coordinate in the listing HTML.

Source

About This Property

A detached house in Oaza-Sato, Kawaguchi, Saitama, an 18-minute walk from Araijuku Station on the Saitama Rapid Railway. A convenience store is about 460 m away and Matsubara kindergarten 745 m. Hatogaya Station is also within a 24-minute walk, giving direct access to central Tokyo via the Namboku Line.

The land is 69.01 sqm and the wood-frame two-storey 4DK building has a floor area of 66.93 sqm, built in June 1965. The land is freehold with no private-road burden, and zoning is Category 1 low-rise exclusive residential with a 60% building coverage ratio and 100% floor area ratio. The interior has been renovated, with a system kitchen, a bath with reheating, a separate washbasin and a warm-water bidet toilet. It is available for immediate handover, and because the seller is the principal there is no agency fee.

Against the 9,800,000 yen asking price, the land assessed value at the inheritance-tax road price of 120,000 yen/sqm comes to 8.28 million yen — an assessed ratio of 84.5%. The building is 61 years old, well beyond the 22-year statutory life for wood construction, so its assessed value is zero. The road price has risen 9.1% over three years from 110,000 yen in 2024.

Exterior photographs show the frontage road and the site at roughly the same level, with no retaining wall or stepped access. Note, however, that the listing does not give the frontage road width — please see the research notes.

Estimated Financing

Assessed value ¥8,281,200 → estimated loan ¥8,280,000 (84% 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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