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[Assessed 108%] Detached house in Sayama, Saitama — 20 min from Shin-Sayama Sta.
Assessed 108%Detached houseSayama, SaitamaShin-Sayama Sta. 20 min walk

[Assessed 108%] Detached house in Sayama, Saitama — 20 min from Shin-Sayama Sta.

Published: Updated:

Property Overview

LocationSayama, Saitama
Nearest StationSeibu Shinjuku Line Shin-Sayama Sta.
Walk20 min walk
Assessed Ratio108%Assessed 108%
Price¥8,800,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 1975 (50 years old)
Land Area137.98㎡
Building Area71.2㎡

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¥8,800,000View listing

Assessed Value Breakdown

Land assessed value¥9,502,240
Building assessed value¥0
Total assessed value¥9,502,240
Asking price¥8,800,000
Assessed ratio108%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 71.2m² × remaining life 0y ÷ statutory life 22y
  • Built Dec 1975 (50 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: ±0.0%
YearRoad price (JPY/m²)YoY
202488,000—
202588,000±0.0%
202688,000±0.0%

※ 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 judged this a flagpole plot from the frontage and floor plan, deducted a conservative pole area, and fixed the road price sheet by coordinate calibration.

Effective land area

With frontage of "south, 6.0 m private road, 2.0 m of contact" — the legal minimum — and a tandem two-car parking strip drawn separately on the floor plan, we judged this a flagpole plot. We conservatively deducted the standard 3 m by 10 m (30 m²) and valued the land on 107.98 m². At the actual 2.0 m width the deduction would be 20 m², and even thickening it to 40 m² keeps the ratio at 88.0%.

Locating the road price

We adopted the listing's property coordinates (excluding station coordinates mixed into the HTML), calibrated the map's block numbers against official coordinates, and determined the western sheet. We used the ¥88,000/m² block street at the property's position; even the district's lowest ¥73,000/m² gives 80.4%.

View source
On-site check from photos

We examined the exterior, entrance, garden and balcony photos. The ground at the front of the building meets its footing at about one level; the flower-bed edging blocks (about 0.4 m) have equal ground on both sides — not an earth retainer. The view photo shows even rooflines, consistent with the "flat" terrain field.

What We Could Not Confirm

  • No photo captures the private road or the pole itself, so the lane's surface and actual width are unverified. The road share and excavation consent are also unstated.
  • The remarks note the sunroom is unregistered — part of the building falls outside the 71.20 m². The sale is as-is with non-conformity liability excluded.

※ 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

Belc Vesta Sayama
15 min walk from the station

About 378 m from the property. A supermarket. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source
7-Eleven Sayamadai Danchi
14 min walk from the station

About 619 m from the property. A convenience store. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source

Neighborhood ② Dining Near the Station

Mos Burger Vesta Sayama
14 min walk from the station

About 234 m from the property. A burger restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source
Yoshinoya Sayamadai
14 min walk from the station

About 249 m from the property. A beef-bowl restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source
Yayoiken Vesta Sayama
14 min walk from the station

About 255 m from the property. A set-meal restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source

About This Property

A detached house in Sayamadai 1-chome, Sayama, Saitama, a 20-minute walk from Shin-Sayama Station on the Seibu Shinjuku Line. A Mos Burger is 234 m from the property and a Belc supermarket 378 m; the Vesta Sayama retail cluster is within a five-minute walk.

The land is 137.98 sqm by the register and the wood-frame two-storey 3SLDK building has a floor area of 71.20 sqm, built in December 1975. The land is freehold, fronting a 6.0 m private road on the south side. Zoning is Category 1 medium-high-rise exclusive residential with a 60% building coverage ratio and 200% floor area ratio; the land category is residential and the terrain is flat. The kitchen, toilet, water heater and flooring were replaced in December 2023. It has a garden and a sunroom, with free parking for two or more cars. The house is vacant and available immediately.

Against the 9,800,000 yen asking price, the land assessed value at the inheritance-tax road price of 88,000 yen/sqm comes to 9.50 million yen — an assessed ratio of 97.0%. Note that this is a flag-shaped lot, so the assessment uses the 107.98 sqm that remains after deducting the 30 sqm access strip. The road price has been flat at 88,000 yen for three years.

Photographs show a flat site with no retaining wall or stepped access. There is no photograph of the access strip itself, however — please see the research notes.

Estimated Financing

Assessed value ¥9,502,240 → estimated loan ¥8,800,000 (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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