積算100
[Assessed 92.7%] Detached house in Iruma, Saitama — 13 min from Irumashi Sta.
Assessed 92.7%Detached houseIruma, SaitamaIrumashi Sta. 13 min walk

[Assessed 92.7%] Detached house in Iruma, Saitama — 13 min from Irumashi Sta.

Published: Aug 16, 2026Updated: Aug 16, 2026

Property Overview

LocationIruma, Saitama
Nearest StationSeibu Ikebukuro Line Irumashi Sta.
Walk13 min walk
Assessed Ratio92.7%Assessed 92.7%
Price¥29,900,000
TypeDetached house
StructureWooden
BuiltBuilt Sep 2026 (0 years old)
Land Area97.45㎡
Building Area93.67㎡

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¥29,900,000View listing

Assessed Value Breakdown

Land assessed value¥7,113,850
Building assessed value¥20,607,400
Total assessed value¥27,721,250
Asking price¥29,900,000
Assessed ratio92.7%

Calculation basis

  • Land = road price ¥73,000/m² × land area 97.45m²
  • Building = replacement cost ¥220,000/m² × floor area 93.67m² × remaining life 22y ÷ statutory life 22y
  • Built Sep 2026 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +1.4%
YearRoad price (JPY/m²)YoY
202472,000
202572,000±0.0%
202673,000+1.4%

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 repeating the listing, we checked the 2026 road price map and three site photographs taken at the foundation stage to verify the road price and the area and condition of the plot.

Effective land area

The listed land area of 99.99 sqm is stated to include a private-road burden of 2.54 sqm, so we deducted it and used 97.45 sqm. The plot is not an access-strip site — it fronts the 4.2 m public road on the south-west directly — so there is nothing further to deduct.

Locating the road price

2-chome Takakura spans four map sheets, so we read sheet 34411, which covers the area within a 13-minute walk of Irumashi Station. Residential roads there range from 73,000 to 82,000 yen/sqm and we took the lowest, 73,000. Since 80% would require only 33,993 yen/sqm, the choice does not change the outcome.

View source
On-site check from photos

The photos are filed under "exterior" but are in fact three site shots taken once the foundations were complete. The finished building does not exist yet, but the state of the land is clearly visible. The south-west public road is level with the plot, and apart from a low 40–50 cm retaining wall on the north-west boundary there is no earth retention.

Building valuation assumptions

Completion is scheduled for September 2026, so with the full 22 years of the statutory life for wood construction remaining, the building carries its assessed value in full. Even valuing the land at zero, the building alone would reach 68.9%.

What We Could Not Confirm

  • The house is still under construction. The thumbnail on this page is a site photograph taken at the foundation stage, not the finished building.
  • The handover date is given as "negotiable" and is not fixed in the listing.

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.

About This Property

A newly built detached house in 2-chome Takakura, Iruma, Saitama, a 13-minute walk from Irumashi Station on the Seibu Ikebukuro Line. A convenience store is 311 m from the centre of the district and the Maruhiro department store 582 m.

The land is 99.99 sqm by the register and the wood-frame two-storey 4LDK building has a floor area of 93.67 sqm. It sits in the urbanisation promotion area, zoned Category I medium-to-high-rise residential with a 60% building coverage ratio and 168% floor area ratio, fronting a 4.2 m public road on the south-west side. There is parking for two cars and the main aspect faces south. The listing records a long-term quality housing certificate, design and construction housing performance evaluations, and a Flat 35 conformity certificate. Built in September 2026, it is currently under construction and the handover date is negotiable.

The inheritance-tax road price on the frontage is 73,000 yen/sqm. The listed land area includes a 2.54 sqm private-road burden, so our figures use the remaining 97.45 sqm. The land assessed value comes to 7.11 million yen and the newly built structure to 20.60 million yen, 27.72 million yen in total, an assessed ratio of 92.7%. The road price has moved 72,000 yen in 2024, 72,000 yen in 2025 and 73,000 yen in 2026, a rise of 1.4% over three years.

With the full 22 years remaining of the statutory life for wood construction, the building carries its assessed value in full.

Estimated Financing

Assessed value ¥27,721,250 → estimated loan ¥27,720,000 (93% 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.

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