積算100
日本語EN中文
[Assessed 98.7%] Detached house in Kawaguchi, Saitama — 12 min from Hatogaya Sta.
Listing endedAssessed 98.7%Detached houseKawaguchi, SaitamaHatogaya Sta. 12 min walk

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

Published: Updated:

Property Overview

LocationKawaguchi, Saitama
Nearest StationSaitama Rapid 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.

How We Checked This Property

Rather than reproducing the listing as-is, we supplemented a photo-less listing with 34 photos from another portal after matching identity, and separated the price bands by coordinate calibration.

On-site check from photos

With only a floor plan in the source listing, we identified the same property elsewhere (34 photos; price, areas and build date all matching) and examined the exterior, parking and entrance. The frontage is a flat ~8.8 m public road, the driveway cut about 0.15 m, and the rear boundary wall about 0.6 m checked against an air-conditioner unit — all under 1 m.

Locating the road price

Sakashita-cho 3-chome spans two sheets with a wide ¥145,000–195,000/m² band, so we geocoded all 37 blocks, calibrated, and adopted the ¥185,000/m² fronting the block containing the district centroid. Only two narrow lanes at the southeast corner fall below 80% — incompatible with the listed "southwest 8.8 m public road, corner plot, parking for four".

View source
Effective land area

No private-road burden, direct corner frontage and no pole, so the full 205.3 m² is used. The 30-year-old building is assessed at zero.

Listing check

The other portal's listing dates back about six months, but every portal shows recent updates — actively on the market, with multiple listing agents, which we note.

What We Could Not Confirm

  • With the address given to the district only, the road price is that of the centroid's block. Re-checking once the parcel is known would be ideal, though as above no band changes the conclusion.

※ 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
6 min walk from the station

About 313 m from the block coordinates. A convenience store. Location confirmed on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
Maruya
16 min walk from the station

About 558 m from the block coordinates. A supermarket. Location confirmed on OpenStreetMap.

Source
Japan Meat Hatogaya
12 min walk from the station

About 696 m from the block coordinates. A supermarket. Location confirmed on OpenStreetMap.

Source

Neighborhood ② Dining Near the Station

Gusto Hatogaya
7 min walk from the station

About 323 m from the block coordinates. A family restaurant. Location confirmed on OpenStreetMap.

Source
Yoshinoya Hatogaya
13 min walk from the station

About 335 m from the block coordinates. A beef-bowl restaurant. Location confirmed on OpenStreetMap.

Source

About This Property

A resale detached house in 3-chome Sakashita-cho, Kawaguchi, Saitama, a 12-minute walk from Hatogaya Station on the Saitama Rapid 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.

Listing endedThe listing for this property has ended. The information reflects the time of listing and the property is no longer available.

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。

More articles on the blog

More in This Area

[Assessed 86.3%] Detached house in Miyoshi, Iruma District, Saitama — 17 min from Mizuhodai Sta.
Assessed 86.3%
Source: Kenbiya
Detached house

[Assessed 86.3%] Detached house in Miyoshi, Iruma District, Saitama — 17 min from Mizuhodai Sta.

Miyoshi, Iruma District, SaitamaTobu Tojo Line Mizuhodai Sta. 17 min walk
¥35.8M
[Assessed 109.7%] Land in Kawagoe, Saitama — 10 min from Kasumigaseki Sta.
Assessed 109.7%
Source: SUUMO
Land

[Assessed 109.7%] Land in Kawagoe, Saitama — 10 min from Kasumigaseki Sta.

Kawagoe, SaitamaTobu Tojo Line Kasumigaseki Sta. 10 min walk
¥19.8M
[Assessed 167.4%] Land in Sakado, Saitama — 14 min from Kita-Sakado Sta.
Assessed 167.4%
Source: Kenbiya
Land

[Assessed 167.4%] Land in Sakado, Saitama — 14 min from Kita-Sakado Sta.

Sakado, SaitamaTobu Tojo Line Kita-Sakado Sta. 14 min walk
¥5M