積算100
[Assessed 176.7%] Detached house in Kawagoe, Saitama — 9 min from Matoba Sta.
Listing endedAssessed 176.7%Detached houseKawagoe, SaitamaMatoba Sta. 9 min walk

[Assessed 176.7%] Detached house in Kawagoe, Saitama — 9 min from Matoba Sta.

Published: Updated:

Property Overview

LocationKawagoe, Saitama
Nearest StationJR Kawagoe Line Matoba Sta.
Walk9 min walk
Assessed Ratio176.7%Assessed 176.7%
Price¥4,980,000
TypeDetached house
StructureWooden
BuiltBuilt Oct 1978 (48 years old)
Land Area100㎡
Building Area59.61㎡

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¥4,980,000View listing

Assessed Value Breakdown

Land assessed value¥8,800,000
Building assessed value¥0
Total assessed value¥8,800,000
Asking price¥4,980,000
Assessed ratio176.7%

Calculation basis

  • Land = road price ¥88,000/m² × land area 100m²
  • Building = replacement cost ¥220,000/m² × floor area 59.61m² × remaining life 0y ÷ statutory life 22y
  • Built Oct 1978 (48 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +6.0%
YearRoad price (JPY/m²)YoY
202483,000—
202586,000+3.6%
202688,000+2.3%

※ 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 reprinting the listing, we checked the figures against the fiscal 2026 inheritance-tax road price map and all 27 photos in the listing, down to the level difference at the frontage and whether the house shares a wall with its neighbour.

Locating the road price

We traced each residential street in Matoba 2-chome on the fiscal 2026 road price map (sheet 26063). Values in the district range from 86,000 to 91,000 yen, with 88,000 and 90,000 tied as the most common, so we took the lower figure of 88,000. The eastern edge shown on the adjacent sheet 26052 runs higher at 91,000 to 96,000 yen, so this choice leans to the conservative side.

View source
Effective land area

There is no private-road burden, setback or sloped portion noted, and the 5.8-metre frontage spans the full width of the site rather than a flagpole strip, so the listed 100.00 sqm is used in full for the assessment.

On-site check from photos

We opened five of the 27 listing photos at high resolution. The frontage is a wide, level paved road with almost no step up to the site. The boundaries carry only mesh fencing on one or two courses of low footing, with no retaining wall holding back soil.

Building valuation assumptions

Built in October 1978, the wooden structure is 25 years past its 22-year statutory useful life. The building is therefore valued at zero, and the entire assessed value of this property comes from the land.

What We Could Not Confirm

  • The registered land category is listed as forest land. The site is in residential use with a house on it, so the category change is presumably unregistered, but this cannot be confirmed from the listing.
  • At 47 years and 11 months old, the condition of the interior, fixtures and structure can only be judged from the listing photos.
  • Distances to nearby facilities are straight-line measurements from the district centroid, because the listing gives no shop names or distances. They are not measured from the property itself.

※ 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

The Market Place Kawagoe Matoba
11 min walk from the station

About 235 m from the district centroid. A retail complex. Location verified on OpenStreetMap. The listing gives no shop names or distances, so the distance is measured from the centroid of Matoba 2-chome.

Source
Yaoko
11 min walk from the station

About 286 m from the district centroid. A grocery supermarket. Location verified on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given. Distance measured from the centroid of Matoba 2-chome.

Source
FamilyMart
8 min walk from the station

About 290 m from the district centroid. A convenience store. Location verified on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given. Distance measured from the centroid of Matoba 2-chome.

Source

Neighborhood ② Dining Near the Station

Oshimaya
12 min walk from the station

About 265 m from the district centroid. A sushi restaurant. Location verified on OpenStreetMap. Distance measured from the centroid of Matoba 2-chome.

Source
Uobei
9 min walk from the station

About 299 m from the district centroid. A conveyor-belt sushi restaurant. Location verified on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given. Distance measured from the centroid of Matoba 2-chome.

Source
Gyoza no Manshu Kawagoe Matoba
14 min walk from the station

About 319 m from the district centroid. A Chinese restaurant. Location verified on OpenStreetMap. Distance measured from the centroid of Matoba 2-chome.

Source

About This Property

A pre-owned detached house in Matoba 2-chome, Kawagoe City, Saitama, a 9-minute walk from Matoba Station on the JR Kawagoe Line. Kasumigaseki Station on the Tobu Tojo Line is also 25 minutes on foot, so both central Kawagoe and the Omiya direction are within reach. A shopping complex sits about 235 metres from the district centroid and a restaurant about 265 metres.

The land measures 100.00 sqm (registry) and the building 59.61 sqm, a two-storey wooden 3DK built in October 1978. The land is held in freehold with no private-road burden, and the site fronts a 5.8-metre public road to the south. Zoning is Category 1 Medium-to-High-Rise Exclusive Residential, with a 60 percent building coverage ratio and a 200 percent floor area ratio. The house is vacant and has one car space.

Applying the fiscal 2026 inheritance-tax road price of 88,000 yen per sqm to the 100.00 sqm site gives a land value of 8.8 million yen. At 47 years old the wooden structure has passed its 22-year statutory useful life, so the building is valued at zero and the entire assessed value comes from the land. Against the 4.98 million yen asking price the assessed ratio is 176.7 percent. The road price has risen 6.0 percent over three years, from 83,000 to 88,000 yen.

At 47 years and 11 months old, the house will need either renovation costs if it is to be rented out or demolition costs if the site is to be cleared. The registered land category is listed as forest land, which is worth checking before proceeding.

Estimated Financing

Assessed value ¥8,800,000 → estimated loan ¥4,980,000 (100% 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。

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