積算100
[Assessed 82%] Detached house in Kawaguchi, Saitama — 13 min from Hatogaya Sta.
Assessed 82%Detached houseKawaguchi, SaitamaHatogaya Sta. 13 min walk

[Assessed 82%] Detached house in Kawaguchi, Saitama — 13 min from Hatogaya Sta.

Published: Updated:

Property Overview

LocationKawaguchi, Saitama
Nearest StationSaitama Rapid Railway Hatogaya Sta.
Walk13 min walk
Assessed Ratio82%Assessed 82%
Price¥44,900,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 2026 (0 years old)
Land Area82㎡
Building Area122.55㎡

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¥44,900,000View listing

Assessed Value Breakdown

Land assessed value¥9,840,000
Building assessed value¥26,961,000
Total assessed value¥36,801,000
Asking price¥44,900,000
Assessed ratio82%

Calculation basis

  • Land = road price ¥120,000/m² × land area 82m²
  • Building = replacement cost ¥220,000/m² × floor area 122.55m² × remaining life 22y ÷ statutory life 22y
  • Built Dec 2026 (0 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 state plainly that no published road price exists in this individually-assessed readjustment zone, and disclose that our figure is an estimate at the lowest surrounding band.

Locating the road price

The block falls within a land-readjustment zone under individual assessment: no road inside it carries a published price. Our valuation therefore applies the lowest surrounding priced band, ¥120,000/m², with the three-year history aligned to the same band's minimums. ¥130,000/m² would give 83.8% and ¥155,000/m² 90.0%; the ratio only falls below 80% at a level about 9% beneath any road price observable nearby.

View source
On-site check from photos

We examined three photos of the graded, cleared site. The front (north) has no retaining wall at all — a 0 m step; the new block wall on the west measures about 0.4–0.6 m and the east at most 0.9 m — all under 1 m. 5 m laser elevation data shows ±60 m of surroundings at 4.3–5.5 m, essentially flat. The listing's "exterior" image is a CG rendering, not the actual building.

Building valuation assumptions

A new build due December 2026 (currently under construction) with 22 years remaining; the ¥26.96M building carries 73% of the assessed value. The plot drawing shows a regular corner plot with 7.80 m of frontage — not a flagpole.

What We Could Not Confirm

  • The road price is an estimate. The actual assessed value depends on the individual assessment — we recommend confirming with the tax office or a tax accountant.
  • The property is under construction, with handover expected late December 2026.

※ 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

Lawson Hatogaya Koko-mae
10 min walk from the station

About 104 m from the property. A convenience store. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

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

About 151 m from the property. A convenience store. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source
Aeon Mall Kawaguchi
11 min walk from the station

About 557 m from the property. A shopping mall. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing.

Source

Neighborhood ② Dining Near the Station

Sukiya
10 min walk from the station

About 53 m from the property. A beef-bowl restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
Kura Sushi
6 min walk from the station

About 328 m from the property. A conveyor-belt sushi restaurant. Location confirmed on OpenStreetMap; distance measured straight-line from the coordinates in the listing. OpenStreetMap has no branch name registered, so only the chain name is given.

Source

About This Property

A newly built detached house in Oaza-Sato, Kawaguchi, Saitama, a 13-minute walk from Hatogaya Station on the Saitama Rapid Railway. Arai-juku Station is also usable at 19 minutes on foot; completion is scheduled for December 2026. A beef-bowl restaurant is 53 m from the property, a convenience store 104 m and Aeon Mall Kawaguchi 557 m.

The land is 82.00 sqm by the register and the wood-frame three-storey 4LDK building has a floor area of 122.55 sqm. The land is freehold with no private-road burden, fronting a 4.0 m public road on the north side over a 7.8 m frontage. Zoning is quasi-industrial with a 60% building coverage ratio and 200% floor area ratio; the land category is residential and the terrain is flat. It has a 17.5-mat living-dining-kitchen and 4.5-mat, 6-mat, 6.5-mat and 10-mat western rooms, a 6 sqm balcony and parking for two cars. The house is under construction, with handover expected in late December 2026. The thumbnail on this page is the artist's impression from the listing, not a photograph of the finished building.

This property sits in a land-readjustment project area, so no inheritance-tax road price is published for it. Applying 120,000 yen/sqm — the lowest value in the surrounding published band — the land assessed value comes to 9.84 million yen and the newly built structure to 26.96 million yen, 36.80 million yen in total, an assessed ratio of 82.0%. That band minimum is tracked over three years and has risen 9.1% from 110,000 yen in 2024.

With the full 22 years remaining of the statutory life for wood construction, the building carries its assessed value in full. Please read the research notes on why the road price here is an estimate.

Estimated Financing

Assessed value ¥36,801,000 → estimated loan ¥36,800,000 (82% 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.

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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