積算100
[Assessed 113.8%] Detached house in Kawagoe, Saitama — 11 min from Matoba Sta.
Assessed 113.8%Detached houseKawagoe, SaitamaMatoba Sta. 11 min walk

[Assessed 113.8%] Detached house in Kawagoe, Saitama — 11 min from Matoba Sta.

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

Property Overview

LocationKawagoe, Saitama
Nearest StationJR Kawagoe Line Matoba Sta.
Walk11 min walk
Assessed Ratio113.8%Assessed 113.8%
Price¥27,990,000
TypeDetached house
StructureWooden
BuiltBuilt Oct 2026 (0 years old)
Land Area138.59㎡
Building Area98.54㎡

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¥27,990,000LowestView listing
Kenbiya¥29,800,000View listing

※ Listed prices differ between sites — a price cut may not be reflected everywhere yet. The lowest listed price is used as the price in this article.

Assessed Value Breakdown

Land assessed value¥10,165,000
Building assessed value¥21,678,800
Total assessed value¥31,843,800
Asking price¥27,990,000
Assessed ratio113.8%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 98.54m² × remaining life 22y ÷ statutory life 22y
  • Built Oct 2026 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +1.0%
YearRoad price (JPY/m²)YoY
202499,000—
2025100,000+1.0%
2026100,000±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

This is one lot in a new development still under construction. We cross-checked photos and lot plans from four listings, the FY2026 roadside land price map and GSI elevation data to confirm the area of the access strip and to try to measure the wall along the northern channel.

Locating the road price

We located the development on the FY2026 roadside land price map (sheet 26054) and traced the surrounding local roads. The municipal road to the north and the two local roads running south from it are all 100,000 yen/m² (leasehold ratio D), and 100,000 yen is also the most common value on the Oaza Matoba local roads on the sheet, so we adopted it. The public road on the east that the lot connects to is also 100,000 yen. The Kawagoe-Hidaka arterial road (95,000–99,000 yen) is of a different character and was not used. The same road was 99,000 yen in FY2024 → 100,000 yen in FY2025 → 100,000 yen/m² in FY2026. We confirmed the development's position from the GSI reference point of its lot number, the map location in the Century 21 listing, and the dip of the northern channel visible in the elevation data. Even at the lowest local-road band (90,000 yen) the assessed ratio would exceed 110%.

View source
Effective land area

This is a flag-shaped lot at the northwest corner, and the access strip is included in the listed land area. From the side lengths on the lot plan in the Five is Home listing, we read the strip as 2.702 m wide × about 13.67 m long (the average of the 13.876 m north side and the 13.464 m south side) = about 36.94 m², and use 101.65 m² (the listed 138.59 m² minus the strip) for the valuation.

On-site check from photos

We checked the on-site photos and lot plans in the Kenbiya, SUUMO and Century 21 listings. The entrance of the access strip is level with the eastern public road, and the boundaries with Unit 1 to the east and Unit 4 to the south, both inside the development, are also level. The northern boundary adjoins a water channel about 1 m wide, with a precast concrete panel wall on the lot side. We tried three ways to measure the retained height of this wall, but none was conclusive. (1) Estimating from perspective using the guardrail height (about 0.8 m), the top of the wall is 0.4–1.0 m above the northern road surface, but the range depends heavily on the assumed camera position, and this is the difference from the road, not the retained height itself. (2) The base of the wall and the channel bed are hidden by grass and the guardrail, and only one panel joint is visible, so the height cannot be counted from joints or standard panel sizes. (3) GSI 1 m-mesh elevation data show a 0.4–1.0 m difference between the pre-development field and the channel bed, but if the site was raised with fill it could exceed 1 m; the post-development ground level appears in neither the photos nor the elevation data.

Listing check

The price differs between listings. SUUMO's development page lists Unit 2 at 27.99 million yen, with the 138.59 m² land and 98.54 m² floor area matching this property, while Kenbiya, Five is Home and Century 21 list it at 29.8 million yen. We use the lowest price, 27.99 million yen, for an assessed ratio of 113.8%; at 29.8 million yen it would be 106.9%.

Rights and restrictions

The house is still under construction (completion scheduled for October 2026), and the listing photos mainly show the construction site and artist's renderings. Restrictions under the Landscape Act apply, and a share of the waste collection point comes as a separately registered parcel (not included in the land area we valued). The Century 21 listing states that a notification under the National Land Use Planning Act is required.

What We Could Not Confirm

  • The height of the concrete wall along the northern channel (the retained soil height) could not be determined from photos or elevation data. An on-site check or an inquiry to the agent is needed.
  • The boundary with the neighbouring land to the west (outside the development) does not appear in the photos, so the level difference has not been confirmed (pre-development elevation data suggest about 0.2–0.3 m).
  • Because the house is under construction, the finished exterior, landscaping and interior cannot be checked from photos. The handover date is given as November 2026 in some listings and as negotiable in others.
  • The Century 21 listing states that a notification under the National Land Use Planning Act is required. Whether a notification is needed for the purchase of this lot should be confirmed with the agent.
  • The price is 27.99 million yen in some listings and 29.8 million yen in others. The contract price should be confirmed with the agent.

※ 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

FamilyMart (Matoba)

Convenience store in Oaza Matoba, Kawagoe, about 430 m in a straight line from the GSI reference point of the development's lot number (Oaza Matoba 2570-1) to its OpenStreetMap position.

Source
Drugstore Seki Kasumigaseki

Drugstore in Oaza Matoba, Kawagoe, about 620 m in a straight line from the same reference point.

Source
Yaoko

Supermarket in Oaza Matoba, Kawagoe, about 970 m in a straight line from the same reference point.

Source

Neighborhood ② Dining Near the Station

Kasumi Shokudo

Japanese diner in Kasumigasekihigashi 2-chome, Kawagoe, about 660 m in a straight line from the same reference point.

Source
Gusto

Family restaurant in Oaza Matoba, Kawagoe, about 900 m in a straight line from the same reference point.

Source
Kura Sushi

Conveyor-belt sushi restaurant in Oaza Matoba, Kawagoe, about 1.1 km in a straight line from the same reference point.

Source

About This Property

⚠️The northern boundary of this lot adjoins a water channel about 1 m wide, and there is a concrete wall (precast panels) along the channel on the lot side. Beyond the channel is a 4 m public road. The height of soil this wall retains could not be determined from the listing photos or GSI elevation data and remains unconfirmed. This site does not list properties with a retaining wall holding back 1 m or more of soil; if an on-site check shows 1 m or more, we will review this listing. The property is a newly built house for sale in Oaza Matoba, Kawagoe, Saitama, an 11-minute walk from Matoba Station on the JR Kawagoe Line. Kasumigaseki Station on the Tobu Tojo Line is also within walking distance (16–19 minutes according to the listings).

It is Unit 2 of the ten-unit Grafare Kawagoe-shi Matoba Phase 38 development: a two-storey wooden house with a 3LDK+S layout and 98.54 m² of floor area on a 138.59 m² (41.92 tsubo) lot. It is still under construction, with completion scheduled for October 2026 and handover planned for November (the SUUMO listing says the handover date is negotiable). The listing photos therefore mainly show the construction site and artist's renderings, and the finished exterior and interior cannot be checked from photos. It is a flag-shaped lot at the northwest corner of the development, connected to a 5 m public road on the east by an access strip about 2.70 m wide and 13.7 m long, where two cars can be parked in tandem. There is no private road burden. Freehold, registered as residential land, in a Category 1 residential zone within the urbanization promotion area, with a 60% building coverage ratio and a 200% floor area ratio. Public water, public sewerage and city gas. Restrictions under the Landscape Act apply, and a co-ownership share of the waste collection point comes as a separately registered parcel. The Century 21 listing states that a notification under the National Land Use Planning Act is required.

The price differs between listings: SUUMO's development page lists Unit 2 at 27.99 million yen (with land and floor areas matching this property), while Kenbiya, Five is Home and Century 21 list it at 29.8 million yen. We use the lowest price, 27.99 million yen, giving an assessed ratio of 113.8%; at 29.8 million yen it would be 106.9%. For the roadside land price we adopted 100,000 yen/m² (FY2026, leasehold ratio D), the value found most often on the local roads around the development. The same road was 99,000 yen in FY2024 → 100,000 yen in FY2025 → 100,000 yen/m² in FY2026, essentially flat. The land is valued on 101.65 m², excluding the access strip of about 36.94 m². Because it is a new wooden house assumed to have its full 22-year statutory useful life remaining, the building accounts for about 70% of the assessed value, and the building's value declines with age.

Measured in a straight line from the GSI reference point of the development's lot number (Oaza Matoba 2570-1) to their OpenStreetMap positions, FamilyMart is about 430 m, Drugstore Seki Kasumigaseki about 620 m and Yaoko supermarket about 970 m; for dining, Kasumi Shokudo is about 660 m, Gusto about 900 m and Kura Sushi about 1.1 km. The assessed ratio is high for a new house near a station, but the retained height of the wall along the northern channel and the boundary with the neighbouring land to the west (outside the development) have not been confirmed from photos, so an on-site check or an inquiry to the agent is needed.

Estimated Financing

Assessed value ¥31,843,800 → estimated loan ¥27,990,000 (100% 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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