積算100
[Assessed 89.1%] Detached house in Tokorozawa, Saitama — 8 min from Sayamagaoka Sta.
Assessed 89.1%Detached houseTokorozawa, SaitamaSayamagaoka Sta. 8 min walk

[Assessed 89.1%] Detached house in Tokorozawa, Saitama — 8 min from Sayamagaoka Sta.

Published: Aug 22, 2026Updated: Aug 22, 2026

Property Overview

LocationTokorozawa, Saitama
Nearest StationSeibu Ikebukuro Line Sayamagaoka Sta.
Walk8 min walk
Assessed Ratio89.1%Assessed 89.1%
Price¥6,800,000
TypeDetached house
StructureWooden
BuiltBuilt Jan 1972 (54 years old)
Land Area56.91㎡
Building Area46.74㎡

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¥6,800,000View listing

Assessed Value Breakdown

Land assessed value¥6,057,500
Building assessed value¥0
Total assessed value¥6,057,500
Asking price¥6,800,000
Assessed ratio89.1%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 46.74m² × remaining life 0y ÷ statutory life 22y
  • Built Jan 1972 (54 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +4.2%
YearRoad price (JPY/m²)YoY
2024120,000
2025125,000+4.2%
2026125,000±0.0%

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

How We Checked This Property

How the private-road burden is treated puts the assessed ratio at either 89.1 or 104.6 percent. We set out why we took the lower figure, along with the other points needing confirmation.

Effective land area

The listing gives an 845/8416 share of an 84.16 sqm private road, equivalent to about 8.45 sqm. Whether that sits inside the 56.91 sqm or on a separate parcel cannot be determined from the listing. Deducting it gives 89.1 percent; not deducting it gives 104.6 percent. We took the lower.

Rights and restrictions

The listing notes an unregistered extension. The 50 percent coverage and 80 percent floor area ratios cap the floor area at about 45.5 sqm, yet the registered building area is 46.74 sqm. That points either to a non-conforming building or to the effect of the unregistered extension.

On-site check from photos

We opened two exterior photographs, one including the road frontage, and three of the entrance. The 4-metre private road to the north and the concrete apron are almost perfectly flush, differing by 5 to 10 centimetres. Block walls stand on both side boundaries, but the ground is level on each side and they retain nothing.

Locating the road price

We used the fiscal 2026 road price map (sheet 34019). With no coordinates in the listing, we narrowed the area by matching the listing's "101 m to Horinouchi Park" against the park marked on the map. We took 125,000 yen, the most common of eight residential streets. Even at the lowest, 120,000 yen, the ratio is 85.5 percent.

View source
Other checks

The frontage is 4 metres onto a private road to the north. Whether that road is designated under the Building Standards Act or falls under the Article 43 proviso is not stated, nor is whether consent for passage and excavation is in place.

What We Could Not Confirm

  • Whether the private-road burden sits inside the plot area or on a separate parcel cannot be determined from the listing. The two readings give 89.1 and 104.6 percent, so this needs confirming with the seller.
  • The noted unregistered extension may be connected to the floor area exceeding the statutory cap. Whether the building is non-conforming needs checking.
  • Whether the private road in front is a designated road, and whether consent for passage and excavation is in place, are not stated. Both bear on whether rebuilding is permitted.
  • The main aspect faces north, and there is no parking.
  • At 54 years and 8 months old the building is valued at zero. In substance this is roughly 48 sqm of land at 6.8 million yen.

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

Welcia
9 min walk from the station

327 m from the property, per the listing. A drugstore. Location verified on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
FamilyMart
9 min walk from the station

About 358 m from the property. A convenience store. Location verified on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
Super Ozam Higashi-sayamagaoka
4 min walk from the station

About 504 m from the property. A grocery supermarket. Location verified on OpenStreetMap.

Source

Neighborhood ② Dining Near the Station

Gatten Sushi Tokorozawa Sayamagaoka
11 min walk from the station

About 177 m from the property. A sushi restaurant. Location verified on OpenStreetMap.

Source
Steak no Don
11 min walk from the station

About 178 m from the property. A steak restaurant. Location verified on OpenStreetMap. OpenStreetMap has no branch name registered, so only the chain name is given.

Source
Hinano Tokorozawa
11 min walk from the station

About 226 m from the property. A Japanese restaurant. Location verified on OpenStreetMap.

Source

About This Property

A pre-owned detached house in Higashi-sayamagaoka 3-chome, Tokorozawa City, Saitama, an 8-minute walk from Sayamagaoka Station on the Seibu Ikebukuro Line. The listing gives 101 metres to Horinouchi Park, 327 metres to a drugstore and 566 metres to a grocery supermarket.

The land measures 56.91 sqm and the building 46.74 sqm — two-storey wooden construction, 5K, built in January 1972. Tenure is freehold and the land is registered as residential; zoning is Category 1 Low-Rise Exclusive Residential with a 50 percent building coverage ratio and an 80 percent floor area ratio. The frontage is 4.0 metres onto a private road to the north. The house is vacant with immediate handover.

The 56.91 sqm comes with an 845/8416 share of an 84.16 sqm private road, equivalent to about 8.45 sqm. We deducted that and assessed the remaining 48.46 sqm. Applying the fiscal 2026 inheritance-tax road price of 125,000 yen per sqm gives a land value of 6.06 million yen. At 54 years and 8 months old the wooden building is valued at zero. Against the 6.8 million yen asking price the assessed ratio is 89.1 percent.

The listing notes an unregistered extension. The 50 percent coverage and 80 percent floor area ratios cap the floor area at about 45.5 sqm, yet the registered building area is 46.74 sqm — above that cap. The research section below sets out what we were able to verify.

Estimated Financing

Assessed value ¥6,057,500 → estimated loan ¥6,050,000 (89% 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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