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[Assessed 99.6%] Detached house in Koshigaya, Saitama — 15 min from Kita-Koshigaya Sta.
Assessed 99.6%Detached houseKoshigaya, SaitamaKita-Koshigaya Sta. 15 min walk

[Assessed 99.6%] Detached house in Koshigaya, Saitama — 15 min from Kita-Koshigaya Sta.

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

Property Overview

LocationKoshigaya, Saitama
Nearest StationTobu Isesaki Line Kita-Koshigaya Sta.
Walk15 min walk
Assessed Ratio99.6%Assessed 99.6%
Price¥24,800,000
TypeDetached house
StructureWooden
BuiltBuilt May 2018 (8 years old)
Land Area115.5㎡
Building Area96.38㎡

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.

SUUMO¥24,800,000View listing

Assessed Value Breakdown

Land assessed value¥11,203,500
Building assessed value¥13,493,200
Total assessed value¥24,696,700
Asking price¥24,800,000
Assessed ratio99.6%

Calculation basis

  • Land = road price ¥97,000/m² × land area 115.5m²
  • Building = replacement cost ¥220,000/m² × floor area 96.38m² × remaining life 14y ÷ statutory life 22y
  • Built May 2018 (8 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +5.4%
YearRoad price (JPY/m²)YoY
202492,000
202595,000+3.3%
202697,000+2.1%

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, the site plan attached to the floor plan and the site photographs one by one to verify the road price, the shape of the plot and the step at the frontage.

Effective land area

The property summary says nothing about an access strip, but the site plan attached to the floor plan shows a passage roughly 2.9 m wide and 12.6 m deep. As it cannot be built on, we deducted about 36.7 sqm and calculated on 115.5 sqm. Without the deduction the ratio would be 131.3%; with it, 99.6%.

Locating the road price

The address is published down to the lot number, so we obtained the block coordinates for lot 34 from the Geospatial Information Authority and identified the frontage road on 2026 map sheet 39037 at 97,000 yen/sqm. The adjoining sheet 39042 carries the same block and the same figure at its edge, confirming the reading across two sheets. The district band runs 93,000 to 105,000 yen, and none of those values drops the ratio below 80%.

View source
Building valuation assumptions

Built in May 2018, the house is 8 years old and has 14 of the 22 statutory years for wood-frame construction remaining, so the building is assessed at 13.49 million yen. That is 55% of the 24.69 million yen total — an unusual split among the properties on this site. The land alone would come to only 45.2%; the remaining building life is doing the work.

On-site check from photos

We opened the exterior and entrance photographs to check for steps. Gravel runs level from the access strip through to the front garden, with no step down from the road. We measured the entrance riser at 0.35 to 0.65 m using two references — the door height and the height of the full-height window — and the fence footing at the boundary at 0.1 to 0.2 m. Neither functions as earth retention.

Rights and restrictions

The listing text states that there are matters requiring disclosure. The nature of those matters is not given in the listing, so we have not been able to confirm it. Given that the price is restrained for an 8-year-old house with a refurbished interior, please ask the agency what is being disclosed if you are considering a purchase.

What We Could Not Confirm

  • The listing gives no indication at all of what the disclosure covers, so we do not know what is being disclosed.
  • The site plan carries no printed dimensions for the access strip, so our figure is estimated by pixel measurement from the drawing. At 30 sqm the ratio would be 103.9%, at 45 sqm 95.9%.
  • This is an owner-occupier listing, so no projected rent or yield is given.

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 resale detached house in 2-chome Higashi-osawa, Koshigaya, Saitama, a 15-minute walk from Kita-Koshigaya Station on the Tobu Isesaki Line. A family restaurant is 208 m from the block and a supermarket 310 m.

The registered land area is 152.24 sqm (46.05 tsubo) and the wood-frame two-storey 4LDK building has a floor area of 96.38 sqm. It was built in May 2018, making it 8 years old. The land is freehold with no private-road burden, in the urbanisation promotion area, zoned Category I mid-to-high-rise exclusive residential with a 60% building coverage ratio and 150% floor area ratio, fronting a 6.03 m road on the north-east side, with parking for three cars depending on the vehicle. It has an island kitchen, a water purifier, two toilets and storage in every room, and the interior has been refurbished. Sagishiro Elementary School is 278 m away and Eishin Junior High School 618 m.

The inheritance-tax road price on the frontage is 97,000 yen/sqm. Our figures use 115.5 sqm after deducting the 36.7 sqm access strip. The land comes to 11.20 million yen and the building, with 14 of its 22 statutory years remaining, to 13.49 million yen — 24.69 million yen in total, an assessed ratio of 99.6% against the 24.8 million yen asking price. The road price has moved 92,000 yen in 2024, 95,000 yen in 2025 and 97,000 yen in 2026, a rise of 5.4% over three years.

Please note: the listing states that there are matters requiring disclosure. Please read the research notes.

Estimated Financing

Assessed value ¥24,696,700 → estimated loan ¥24,690,000 (100% 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.
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