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[Assessed 109.1%] Detached house in Koshigaya, Saitama — 10 min from Obukuro Sta.
Assessed 109.1%Detached houseKoshigaya, SaitamaObukuro Sta. 10 min walk

[Assessed 109.1%] Detached house in Koshigaya, Saitama — 10 min from Obukuro Sta.

Published: Sep 8, 2026Updated: Sep 8, 2026

Property Overview

LocationKoshigaya, Saitama
Nearest StationTobu Isesaki Line Obukuro Sta.
Walk10 min walk
Assessed Ratio109.1%Assessed 109.1%
Price¥7,000,000
TypeDetached house
Expected Yield9.94%
StructureWooden
BuiltBuilt Dec 1973 (52 years old)
Land Area72.73㎡
Building Area45.51㎡

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¥7,000,000View listing

Assessed Value Breakdown

Land assessed value¥7,636,650
Building assessed value¥0
Total assessed value¥7,636,650
Asking price¥7,000,000
Assessed ratio109.1%

Calculation basis

  • Land = road price ¥105,000/m² × land area 72.73m²
  • Building = replacement cost ¥220,000/m² × floor area 45.51m² × remaining life 0y ÷ statutory life 22y
  • Built Dec 1973 (52 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +8.2%
YearRoad price (JPY/m²)YoY
202497,000
2025100,000+3.1%
2026105,000+5.0%

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

How We Checked This Property

We worked from the nine listing photographs and the floor plan, together with the 2026 roadside land value map. Because we suspected this might be a terraced house, we have also recorded how that question was settled.

On-site check from photos

In the single exterior photograph, the eaves and the second-floor balcony railing appeared to run continuously into the dwelling on the left, raising the possibility of a terraced house. We enlarged the floor plan twelvefold and found sliding windows drawn on both the left and right end walls of the first floor. A party wall between dwellings cannot contain openings, so windows on both sides settle the question. What appeared continuous in the photograph proved, on magnification, to be this property's own balcony and a reed screen.

On-site check from photos

We also checked aerial imagery at about 0.12 m per pixel. This building is a standalone structure with a brown tiled roof; the neighbour to the north has a silver hipped roof and the one to the south a dark roof, differing in both roof material and ridge orientation. They do not form one continuous structure.

Locating the road price

We checked the 2026 roadside land value map (sheet 39020). The leasehold-ratio symbols change at the boundary between the two former villages here: the Onma side to the west carries an E symbol, while the Fukuroyama side carries a D. Since the post office on the Fukuroyama side (418 m in the listing) is closer than the community hall on the Onma side (483 m), we placed the property on the Fukuroyama side and adopted 105,000 yen per sqm.

View source
Building valuation assumptions

The timber building dates from December 1973, making it 52 years and 10 months old. That is well beyond the 22-year statutory service life for timber construction, so the assessed valuation treats the building as worth nothing. The listing states that the building is deteriorated and that the seller does not accept liability for non-conformity.

Effective land area

The listing states explicitly that there is no private road burden, the ground is level, and no setback is noted. Aerial imagery confirmed that the plot meets the road along its full frontage and is not a flag-shaped lot, so we used the registered area of 72.73 sqm as it stands.

What We Could Not Confirm

  • The property is currently tenanted and sold with the tenancy in place; handover is by negotiation. The terms of the tenancy and the history of the rent cannot be read from the listing.
  • All nine listing images are only 360 by 640 pixels, with no higher-resolution versions available. We could not judge the condition of the exterior walls or foundations from the photographs.
  • Given the building's age, the scope and cost of repairs required after purchase need to be established on site, bearing in mind that the seller does not accept liability for non-conformity.

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

Joyfoods Koshigaya Obukuro
2 min walk from the station

A supermarket listed at 100 m in the original listing; about 90 m from the property.

Source
Fresh Mart Yukiya
2 min walk from the station

A supermarket about 160 m from the property in a straight line.

Source
Welcia Koshigaya Obukuro
5 min walk from the station

A drugstore listed at 395 m in the original listing.

Source

Neighborhood ② Dining Near the Station

Sushi-dokoro Inoue
4 min walk from the station

A sushi restaurant about 300 m from the property in a straight line.

Source
Sobajaya An
5 min walk from the station

A soba restaurant about 390 m from the property in a straight line.

Source

About This Property

This is a tenanted detached house with a 52-year-old timber building. Because that is well beyond the 22-year statutory service life for timber construction, our assessed valuation treats the building as worth nothing. The seller does not accept liability for non-conformity, and the listing itself states that the building is deteriorated. This property should be viewed on the assumption that repairs will be required after purchase.

Obukuro Station on the Tobu Isesaki Line is a 10-minute walk away. Kita-Senju is about 30 minutes and Tokyo Station about 45 minutes including a transfer. A supermarket is one to two minutes on foot, and a drugstore, primary school and post office are all within walking distance.

The land measures 72.73 sqm on the register, with a 9.0 m frontage, and meets a 4.0 m road on the west side along 9.0 m. There is no private road burden, the ground is level, and no setback is noted. The building is a two-storey timber house of 45.51 sqm with a 3SDK layout and a sunroom on the ground floor.

We initially suspected this might be a terraced house. In the single exterior photograph, the eaves and the balcony railing appeared to run continuously into the neighbouring dwelling on the left. Enlarging the floor plan resolved it: sliding windows are drawn on both the left and right end walls of the first floor. A party wall separating dwellings cannot contain openings, so windows on both sides rule out a terrace. Aerial imagery confirmed it — this is a standalone building with a brown tiled roof, while the neighbour to the north has a silver hipped roof and the one to the south a dark roof, each a separate structure. What looked continuous in the photograph turned out, on magnification, to be this property's own balcony and a reed screen.

Our assessed valuation uses the 2026 inheritance-tax roadside land value of 105,000 yen per sqm, giving a land value of 7.63 million yen against the asking price of 7.0 million yen — an assessed ratio of 109.1%. That roadside value has risen for three consecutive years: 97,000 yen per sqm in 2024, 100,000 in 2025 and 105,000 in 2026. The gross yield is 9.94% on the listed figures, but given the age of the building, expected repair costs should be set against that.

Estimated Financing

Assessed value ¥7,636,650 → estimated loan ¥7,000,000 (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.

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