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[Assessed 86.3%] Detached house in Miyoshi, Iruma District, Saitama — 17 min from Mizuhodai Sta.
Assessed 86.3%Detached houseMiyoshi, Iruma District, SaitamaMizuhodai Sta. 17 min walk

[Assessed 86.3%] Detached house in Miyoshi, Iruma District, Saitama — 17 min from Mizuhodai Sta.

Published: Sep 26, 2026Updated: Sep 26, 2026

Property Overview

LocationMiyoshi, Iruma District, Saitama
Nearest StationTobu Tojo Line Mizuhodai Sta.
Walk17 min walk
Assessed Ratio86.3%Assessed 86.3%
Price¥35,800,000
TypeDetached house
StructureWooden
BuiltBuilt Mar 2022 (4 years old)
Land Area72.05㎡
Building Area113.64㎡

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.

Kenbiya¥35,800,000View listing

Assessed Value Breakdown

Land assessed value¥10,447,250
Building assessed value¥20,455,200
Total assessed value¥30,902,450
Asking price¥35,800,000
Assessed ratio86.3%

Calculation basis

  • Land = road price ¥145,000/m² × land area 72.05m²
  • Building = replacement cost ¥220,000/m² × floor area 113.64m² × remaining life 18y ÷ statutory life 22y
  • Built Mar 2022 (4 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +7.4%
YearRoad price (JPY/m²)YoY
2024135,000—
2025140,000+3.7%
2026145,000+3.6%

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

How We Checked This Property

Because the Kenbiya listing gave no lot number or map, we narrowed down the location using the map position in another listing for the same property and the distances to nearby facilities, and checked the figures against the 2026 road price map (sheet 26709) and nine photos.

Listing check

The listing gives the address only as "Oaza Chikumazawa". We matched the map position in the Yahoo! Real Estate listing for the same property (which the GSI address lookup also places in Oaza Chikumazawa) against the stated distances to facilities: the Chikumazawa branch library 100 m, the town office's Chikumazawa branch 98 m and Chikumazawa Elementary School 361 m. This narrows the site to within about 100 m west to northwest of the community-centre complex northwest of the elementary school.

Locating the road price

On the 2026 road price map (sheet 26709) we traced the streets around the narrowed-down block. The most common value in this area is 145,000 yen/m² (about 10 streets), which we used as the representative value; on the same street it rose from 135,000 yen in 2024 to 140,000 yen in 2025 and 145,000 yen in 2026. The row to the southwest is still 140,000 yen/m²; if the house faces that row, the assessed ratio would be 85.3%. Oaza Chikumazawa spans five map sheets, and the western part near the town office and Fujikubo is 110,000-135,000 yen/m², but that is a separate area more than 1.5 km away based on the facility distances, so we did not use it. The leasehold-ratio symbol is D throughout.

View source
Effective land area

There is no private-road burden or setback, and the dimensions on the lot plan (9.05 m along the road × about 8.0 m deep) match the registered area of 72.05 m², so the land is valued with no deduction. It is neither a flag lot nor sloped.

On-site check from photos

We checked nine photos in total, from this listing and from the listings of other agents handling the same property. The town road in front and the site are at almost the same level; the garage floor rises only gently and the entrance porch has two steps. The neighbouring houses on both sides are at the same ground level, with no retaining wall, slope or stairway access. The rear is not shown in the photos, so we used the GSI 5 m mesh elevation data: five points within about 20 m of the site are at 27.8-28.4 m, i.e. flat ground.

Building valuation assumptions

A detached three-storey wooden house standing apart from the neighbours on both sides, not a row house. From the photos and floor plan we estimate the ground-floor built-in garage at about 2.6 m × 4.6 m (about 12 m²).

What We Could Not Confirm

  • The listing does not make clear whether the registered floor area of 113.64 m² includes the ground-floor built-in garage (estimated at about 12 m²). If the garage is excluded from the floor area in the valuation, the assessed ratio would be about 80.3%, and about 79.3% if the house also faces the 140,000 yen/m² row.
  • The location is an estimate based on the map in another listing and the distances to facilities; the lot number has not been confirmed. Whether the house faces the 145,000 or the 140,000 yen/m² row will be settled by confirming the lot number.
  • The boundary with the neighbour at the rear (southwest) is not shown in the photos, and the height difference there is only estimated from elevation data. Whether there is any earth-retaining structure needs to be checked on site.
  • Kenbiya lists it as a detached rental house, but the yield is "undetermined" and no expected rent 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.

Neighborhood ① Shopping Near the Station

7-Eleven Miyoshi Chikumazawa

About 298 m according to the distance given in the Yahoo! Real Estate listing for the same property. A convenience store at 640-1 Chikumazawa, Miyoshi.

Source
Foocot Miyoshi

About 304 m according to the Yahoo! Real Estate listing. A discount supermarket at 381-6 Oaza Chikumazawa, Miyoshi.

Source
Sugi Drug Miyoshi-machi

About 440 m according to the Yahoo! Real Estate listing. A drugstore in Oaza Chikumazawa, Miyoshi.

Source

Neighborhood ② Dining Near the Station

Ramen Shop 101

About 520 m north in a straight line from the map position in the listing (location from OpenStreetMap). A ramen restaurant in Miyoshidai, Miyoshi.

Source
Chinrai Hanten

About 680 m southwest in a straight line from the map position in the listing (location from OpenStreetMap). A Chinese restaurant in Oaza Chikumazawa, Miyoshi.

Source

About This Property

A three-storey wooden detached house built in March 2022 in a residential area of Oaza Chikumazawa, Miyoshi (Iruma District), a 17-minute walk from Mizuhodai Station on the Tobu Tojo Line (Yanasegawa Station on the same line is a 27-minute walk). Chikumazawa Elementary School is 361 m away, and the Chikumazawa branch library and the town office's Chikumazawa branch are both about 100 m away. For shopping, the Yahoo! Real Estate listing for the same property gives distances of about 298 m to 7-Eleven Miyoshi Chikumazawa, about 304 m to Foocot Miyoshi and about 440 m to Sugi Drug Miyoshi-machi. Restaurants were looked up on OpenStreetMap: measured in a straight line from the map position in the listing, there is a ramen restaurant about 520 m to the north and a Chinese restaurant about 680 m to the southwest.

The 4LDK house has a registered floor area of 113.64 m². The ground floor has a built-in garage for one car, a 6-tatami Western-style room and the bathroom area; the first floor has an 18-tatami LDK and a balcony; and the second floor has three Western-style rooms and a balcony. There are two toilets and a counter-facing kitchen. In September 2026 the wallpaper was replaced and one air conditioner was newly installed; there is also a mailbox with a parcel box, an EV charging outlet and an outdoor tap. The house is vacant and available immediately, with public water, public sewerage and city gas. According to the Tobu Jyuhan listing, the seller's liability for non-conformity is two years (roof leaks and main structural parts).

The land is 72.05 m² (registered), freehold, fronting a town road on the northeast side (a road under Article 42-1-1 of the Building Standards Act, 4.0 m wide) with about 9 m of frontage; there is no private-road burden and no setback. The zoning is Category 1 residential, with building coverage of 60% and a floor-area ratio of 160% (apparently limited by the 4 m width of the front road). Kenbiya lists it as a detached rental house, but the yield is "undetermined" and no rent is stated. The same property is also listed on Yahoo! Real Estate by Tobu Jyuhan and Seibu Kaihatsu Fujimino at the same 35.8 million yen. The listing gives the address only down to the oaza (district), so the location is an estimate narrowed down from the map in other listings and the distances to nearby facilities.

The 2026 inheritance-tax road price is 145,000 yen/m², up about 7.4% over three years (135,000 → 140,000 → 145,000). The assessed ratio against the 35.8 million yen price is 86.3%. However, the four-and-a-half-year-old building accounts for about two-thirds (about 20.46 million yen) of the assessed value, and the building's assessed value falls by about 1.14 million yen a year (about 3.2 percentage points of the price). In addition, the listing does not make clear whether the registered floor area of 113.64 m² includes the ground-floor built-in garage (estimated at about 12 m²); if the garage is excluded from the valuation, the assessed ratio falls to about 80.3%.

Estimated Financing

Assessed value ¥30,902,450 → estimated loan ¥30,900,000 (86% 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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