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[Assessed 81.2%] Detached house in Nishi Ward, Saitama City, Saitama — 19 min from Nishi-Omiya Sta.
Assessed 81.2%Detached houseNishi Ward, Saitama City, SaitamaNishi-Omiya Sta. 19 min walk

[Assessed 81.2%] Detached house in Nishi Ward, Saitama City, Saitama — 19 min from Nishi-Omiya Sta.

Published: Sep 17, 2026Updated: Sep 17, 2026

Property Overview

LocationNishi Ward, Saitama City, Saitama
Nearest StationJR Kawagoe Line Nishi-Omiya Sta.
Walk19 min walk
Assessed Ratio81.2%Assessed 81.2%
Price¥31,880,000
TypeDetached house
StructureWooden
BuiltBuilt Jun 2023 (3 years old)
Land Area124.83㎡
Building Area96.46㎡

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¥31,880,000View listing

Assessed Value Breakdown

Land assessed value¥7,557,600
Building assessed value¥18,327,400
Total assessed value¥25,885,000
Asking price¥31,880,000
Assessed ratio81.2%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 96.46m² × remaining life 19y ÷ statutory life 22y
  • Built Jun 2023 (3 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +5.6%
YearRoad price (JPY/m²)YoY
202489,000
202592,000+3.4%
202694,000+2.2%

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 counted the district-road bands in Mihashi 6-chome on the 2026 route-price map, confirmed the access-strip area from another site's listing of the same property, and checked level differences with neighbours in the site photos.

Locating the road price

From the listing's note that Mihashi-Nishi Nursery School is 140 m away, we narrowed the location to around the nursery. On the 2026 route-price map (sheet 31126) the Mihashi 6-chome district roads are most often 94,000 yen/sqm (about ten segments), which is the representative value. The Bunka Center arterial road (105,000 yen) is of a different character and not used. Within 140 m of the nursery there are also 93,000, 91,000 and 81,000 yen segments, and the band the property fronts has not been identified.

View source
Effective land area

The SUUMO listing does not mention it, but the LIFULL HOME'S listing of the same property states an access-strip area of 44.43 sqm, and the photos show a passage-shaped strip running from the public road to the house, so we used 80.40 sqm after deducting it from 124.83 sqm as the effective land. Without the deduction the ratio would be 94.3%.

Building valuation assumptions

The two-storey wooden house built in June 2023 (96.46 sqm) is treated as three years old and valued at about 18.33 million yen (replacement cost 220,000 yen/sqm x floor area x 19 remaining / 22 statutory years). The building accounts for about 71% of the assessment.

On-site check from photos

We checked the front-road and exterior photos. The roughly 4 m road in front is flat and the roadside plots are at about road level. The neighbours on both sides of the access strip are raised by a concrete retaining edge plus fence, read as about 0.5-0.75 m high. The vegetable garden on the northwest is at about the same level, and no retaining wall, stepped access or drop of 1 m or more is visible.

Listing check

The same property is listed on SUUMO (31.88 million yen) and LIFULL HOME'S (31.9 million yen); we use the lower SUUMO price. LIFULL HOME'S first published it on 20 November 2025. Some interior photos carry a note that they are AI-generated images.

What We Could Not Confirm

  • The route-price band of the road the property fronts has not been identified. The ratio is 81.2% at the district mode of 94,000 yen but falls below 80% if the fronting band is 89,000 yen or lower.
  • No lot number is listed; the location is a range estimated from distances to nearby facilities.
  • The 44.43 sqm access-strip area comes from the LIFULL HOME'S listing and could not be confirmed in the SUUMO listing. The strip width (frontage length) is not stated.
  • The listing comment mentions a private road on the northeast, but whether there is a share or consent for passage and excavation is not stated.
  • The city-planning field lists an advanced-use district, which is an unusual combination with Category 2 Medium-High-Rise Residential zoning and should be confirmed with the city.

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

Seicomart

About 140 m from the property according to the listing. Convenience store.

Source
Seki Yakuhin

About 400 m from the property according to the listing. Drugstore.

Source
Co-op Sashiogi

About 1,000 m from the property according to the listing. Food supermarket.

Source

Neighborhood ② Dining Near the Station

Chinese Restaurant Kasugaya

About 120 m in a straight line from the estimated location (near Mihashi-Nishi Nursery School). Chinese restaurant.

Source
Gatten Sushi

About 320 m in a straight line from the estimated location. Conveyor-belt sushi.

Source
Fujidana Udon

About 470 m in a straight line from the estimated location. Udon restaurant.

Source

About This Property

A three-year-old detached house in Mihashi 6-chome, Nishi Ward, Saitama City, a 19-minute walk from Nishi-Omiya Station on the JR Kawagoe Line. It is one plot of a development of about six, and according to the listing a nursery school and a convenience store are about 140 m away, a drugstore about 400 m and a co-op supermarket about 1,000 m.

The two-storey wooden house built in June 2023 has a 3LDK layout (18.5-tatami LDK) with 96.46 sqm of floor area; it was built by Touei Housing and is certified as a long-term quality home. The 124.83 sqm freehold site is a flagpole plot that reaches the 4 m public road on the southwest through an access strip. It is zoned Category 2 Medium-High-Rise Residential (60% coverage, 160% floor-area ratio) in a quasi-fire-prevention district, and is vacant for immediate handover.

For the assessment we used 94,000 yen/sqm (94D), the most frequent value on the Mihashi 6-chome district roads on the 2026 route-price map. Land valued on 80.40 sqm after deducting the 44.43 sqm access strip stated in the LIFULL HOME'S listing of the same property comes to about 7.56 million yen, and the three-year-old wooden building to about 18.33 million yen, for a total of about 25.89 million yen, or 81.2% of the 31.88 million yen price. The route price rose from 89,000 yen in 2024 to 92,000 yen in 2025 and 94,000 yen in 2026. Without deducting the strip the ratio would be 94.3%.

⚠️ The margin above 80% is small. The band of the road the property fronts could not be identified on the map, and if it is 89,000 yen or lower the ratio falls below 80% (79.7% at 88,000 yen). The building makes up about 70% of the assessment. The LIFULL HOME'S listing was first published on 20 November 2025, about 300 days ago. The listing comment mentions a private road on the northeast, but no share or consent for passage and excavation is stated.

Estimated Financing

Assessed value ¥25,885,000 → estimated loan ¥25,880,000 (81% 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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