積算100
[Assessed 111%] Detached house in Kawagoe, Saitama — 20 min from Kasumigaseki Sta.
Assessed 111%Detached houseKawagoe, SaitamaKasumigaseki Sta. 20 min walk

[Assessed 111%] Detached house in Kawagoe, Saitama — 20 min from Kasumigaseki Sta.

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

Property Overview

LocationKawagoe, Saitama
Nearest StationTobu Tojo Line Kasumigaseki Sta.
Walk20 min walk
Assessed Ratio111%Assessed 111%
Price¥14,800,000
TypeDetached house
StructureWooden
BuiltBuilt Aug 1991 (35 years old)
Land Area182.5㎡
Building Area96.05㎡

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¥14,800,000View listing

Assessed Value Breakdown

Land assessed value¥16,425,000
Building assessed value¥0
Total assessed value¥16,425,000
Asking price¥14,800,000
Assessed ratio111%

Calculation basis

  • Land = road price ¥90,000/m² × land area 182.5m²
  • Building = replacement cost ¥220,000/m² × floor area 96.05m² × remaining life 0y ÷ statutory life 22y
  • Built Aug 1991 (35 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +4.7%
YearRoad price (JPY/m²)YoY
202486,000—
202588,000+2.3%
202690,000+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 repeating the listing, we checked the boundary between the road-price area and the multiplier area within Oaza Kozutsumi on the 2026 road price maps and the valuation multiplier table, and used the listing photos (exterior, garden, parking) to check the height difference between the lot and the road.

Locating the road price

Oaza Kozutsumi mixes road-price areas with multiplier areas in the Urbanization Control Area. This property is listed as a house within Family Town Kasuga, its zoning is Category 2 Low-rise Exclusive Residential (an Urbanization Promotion Area), it is a 9-minute walk to Naguwashi Junior High School and 10 minutes to Naguwashi Elementary School, and the map position on the SUUMO listing falls right beside Kasuga's parks, so we placed it inside the Kasuga subdivision on the road-price side. On the 2026 road price map (sheet 26023; the same subdivision also appears on 26024 and 26018), Kasuga's internal streets are split between 89,000 and 90,000 yen/㎡ (leasehold ratio D), and we took the most common value, 90,000 yen/㎡. Since every street in the subdivision is 89,000–90,000 yen, the exact position matters little; even at 89,000 yen the assessed ratio is 109.7%. The same street moved from 86,000 yen (2024) to 88,000 yen (2025) to 90,000 yen/㎡ (2026).

View source
Rights and restrictions

Even within Oaza Kozutsumi, the area around Naguwashi Elementary School and to its north (the range of road price map sheets 26017 and 26018) is classed in the valuation multiplier table as a multiplier area in the Urbanization Control Area (residential land 1.1x, leasehold ratio 40%). Land there has no road price and is valued by multiplying the fixed asset tax value, and building is restricted as in any control area, so this property's valuation cannot simply be applied there.

Building valuation assumptions

The house is a two-story wooden building completed in August 1991. At 35 years old it is past the 22-year statutory useful life for wooden structures, so the building is not included in the valuation. The assessment covers only the 182.5 ㎡ of land (per the registry, no private-road share), and the condition of the building is not reflected in the figures.

On-site check from photos

We checked three listing photos, the exterior (including the front road), the garden and the parking area, plus a close-up of the boundary beside the parking area. The 6 m road in front is flat and the carport slab is level with the road. The boundary beside the parking area is four courses of block with a coping, and comparing it with a plastic bottle placed nearby we estimate it retains about 0.5 m. The garden side is a mesh fence with the ground at almost the same level on both sides. We found no retaining wall, step from the road, stair access, flag-shaped lot or row-house connection.

What We Could Not Confirm

  • The lot number is not published, so we have not determined whether the street the lot faces within Kasuga is the 90,000 or the 89,000 yen/㎡ one. Either way the assessed ratio is about 110%.
  • The listing does not describe the deterioration of the 35-year-old building (roof, exterior walls, plumbing) or its repair and renovation history; these need to be checked at a viewing and with the broker.

※ 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

Yaoko Kawagoe Kasumigaseki

Supermarket in Matoba, Kawagoe. A 14-minute walk according to the listing's nearby-facilities section.

Source
FamilyMart (Oaza Kujirai, Kawagoe)

Convenience store in Oaza Kujirai, Kawagoe. A 10-minute walk according to the listing's nearby-facilities section.

Source

Neighborhood ② Dining Near the Station

Musashino Udon Nekoya

Udon restaurant in Oaza Kozutsumi, Kawagoe, the same district as the property. About 340 m in a straight line from the map position on the SUUMO listing to its position on OpenStreetMap.

Source
Gusto

Family restaurant in Oaza Amanuma-shinden, Kawagoe. About 500 m in a straight line from the map position on the SUUMO listing to its position on OpenStreetMap.

Source
Ringer Hut Kawagoe Toyodaimae

Champon noodle restaurant in Oaza Amanuma-shinden, Kawagoe. About 590 m in a straight line from the map position on the SUUMO listing to its position on OpenStreetMap.

Source

About This Property

A pre-owned detached house inside the Family Town Kasuga subdivision in Oaza Kozutsumi, Kawagoe, Saitama. It is a 20-minute walk to Kasumigaseki Station and 21 minutes to Tsurugashima Station on the Tobu Tojo Line, and 31 minutes to Matoba Station on the JR Kawagoe Line, so it is some distance from the stations. According to the listing's nearby-facilities section, Yaoko is a 14-minute walk, FamilyMart 10 minutes, Naguwashi Junior High School 9 minutes and Naguwashi Elementary School 10 minutes. For restaurants, straight-line distances from the map position on the SUUMO listing (inside the Kasuga subdivision) to the positions registered on OpenStreetMap are about 340 m to Musashino Udon Nekoya, about 500 m to Gusto and about 590 m to Ringer Hut Kawagoe Toyodaimae. We confirmed that all five facilities listed in this article are in Kawagoe.

The asking price is 14.8 million yen for a two-story wooden 4LDK built in August 1991 (35 years old). The building is 96.05 ㎡ and the land 182.5 ㎡ (both per the registry). The ground floor has a 14-tatami LDK and a 6-tatami Japanese-style room, the upper floor has two Western-style rooms and a 6-tatami Japanese-style room, and there is parking for one car under a carport. The land is freehold with no private-road share and fronts a 6.0 m road on the north side. Zoning is Category 2 Low-rise Exclusive Residential (building coverage 50%, floor area ratio 100%), with public water, public sewer and city gas. The broker is Century 21 Housewell Saitama Higashi (intermediary), and the handover date is negotiable.

⚠️ Oaza Kozutsumi contains both areas covered by road prices (rosenka) and areas in the Urbanization Control Area where no road price is set and land is valued with the multiplier method. The area around Naguwashi Elementary School and to its north is a multiplier area, where both the valuation method and the building restrictions differ from this property, so properties in the same oaza cannot be treated alike. This property is listed as a house within Family Town Kasuga, its zoning is Category 2 Low-rise Exclusive Residential (an Urbanization Promotion Area), and the walking times to the schools and the map position on the listing all point to the Kasuga subdivision, so we judged it to be on the road-price side. Kasuga's internal streets carry 89,000–90,000 yen/㎡ (leasehold ratio D) on the 2026 map, and we used the most common value of 90,000 yen/㎡ (even at 89,000 yen the assessed ratio would be 109.7%). The same street moved from 86,000 yen (2024) to 88,000 yen (2025) to 90,000 yen/㎡ (2026). The building is past the 22-year statutory useful life for wooden structures and is not included in the valuation, so the assessed ratio of 111.0% comes entirely from the land.

We checked the listing photos of the exterior, garden and parking area, plus a close-up of a boundary. The 6 m road in front is flat and the carport slab is level with the road. The boundary beside the parking area is four courses of block with a coping, retaining about 0.5 m, and the garden-side boundary is a mesh fence with the ground at almost the same level on both sides. There is no retaining wall, no step up from the road, no stair access and no flag-shaped lot, and the house is detached with gaps to its neighbors. There are two to three steps (about 0.3–0.45 m) up to the entrance porch. As the building is 35 years old, we recommend a viewing and checking the condition of the roof, exterior walls and equipment, and the repair history, with the broker.

Estimated Financing

Assessed value ¥16,425,000 → estimated loan ¥14,800,000 (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.

Ask About This PropertyWe offer purchase consultation, brokerage and consulting services.Found an error in this listing? Let us know here
[Assessed 86.3%] Detached house in Miyoshi, Iruma District, Saitama — 17 min from Mizuhodai Sta.
Assessed 86.3%
Source: Kenbiya
Detached house

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

Miyoshi, Iruma District, SaitamaTobu Tojo Line Mizuhodai Sta. 17 min walk
¥35.8M
Sep 26, 2026
[Assessed 109.7%] Land in Kawagoe, Saitama — 10 min from Kasumigaseki Sta.
Assessed 109.7%
Source: SUUMO
Land

[Assessed 109.7%] Land in Kawagoe, Saitama — 10 min from Kasumigaseki Sta.

Kawagoe, SaitamaTobu Tojo Line Kasumigaseki Sta. 10 min walk
¥19.8M
Sep 26, 2026
[Assessed 167.4%] Land in Sakado, Saitama — 14 min from Kita-Sakado Sta.
Assessed 167.4%
Source: Kenbiya
Land

[Assessed 167.4%] Land in Sakado, Saitama — 14 min from Kita-Sakado Sta.

Sakado, SaitamaTobu Tojo Line Kita-Sakado Sta. 14 min walk
¥5M
Sep 26, 2026