積算100
[Assessed 98.7%] Detached house in Kawaguchi, Saitama — 12 min from Hatogaya Sta.
Assessed 98.7%Detached houseKawaguchi, SaitamaHatogaya Sta. 12 min walk

[Assessed 98.7%] Detached house in Kawaguchi, Saitama — 12 min from Hatogaya Sta.

Published: Aug 15, 2026Updated: Aug 15, 2026

Property Overview

LocationKawaguchi, Saitama
Nearest StationSaitama Railway Hatogaya Sta.
Walk12 min walk
Assessed Ratio98.7%Assessed 98.7%
Price¥38,500,000
TypeDetached house
StructureWooden
BuiltBuilt Jun 1996 (30 years old)
Land Area205.3㎡
Building Area151.5㎡

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.

Kenbiya¥38,500,000View listing

Assessed Value Breakdown

Land assessed value¥37,980,500
Building assessed value¥0
Total assessed value¥37,980,500
Asking price¥38,500,000
Assessed ratio98.7%

Calculation basis

  • Land = road price ¥185,000/m² × land area 205.3m²
  • Building = replacement cost ¥220,000/m² × floor area 151.5m² × remaining life 0y ÷ statutory life 22y
  • Built Jun 1996 (30 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +5.7%
YearRoad price (JPY/m²)YoY
2024175,000
2025180,000+2.9%
2026185,000+2.8%

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

About This Property

A resale detached house in 3-chome Sakashita-cho, Kawaguchi, Saitama, a 12-minute walk from Hatogaya Station on the Saitama Railway. A convenience store is 313 m from the block coordinates and a family restaurant 323 m.

The land is 205.30 sqm by the register and the wood-frame two-storey 2SLDK building has a floor area of 151.50 sqm. It was built in June 1996. The land is freehold, within the urbanisation promotion area, zoned Category I residential with a 60% building coverage ratio and 200% floor area ratio. It is a corner plot fronting an 8.8 m public road on the south-west side. The layout has two entrances on the ground floor for two-household use, and a major interior renovation in 2010 fitted solid-wood flooring and plaster walls throughout. The house is all-electric, with a roughly 12 m wide balcony onto every first-floor room and parking for four cars.

The inheritance-tax road price on the frontage is 185,000 yen/sqm. The land assessed value comes to 37.98 million yen, an assessed ratio of 98.7% against the 38.5 million yen asking price. At 30 years old the wood-frame building is past its 22-year statutory life, so it is assessed at zero. The road price has moved 175,000 yen in 2024, 180,000 yen in 2025 and 185,000 yen in 2026, a rise of 5.7% over three years.

The land alone accounts for almost the entire asking price.

Estimated Financing

Assessed value ¥37,980,500 → estimated loan ¥37,980,000 (99% 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.

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