積算100
[Assessed 174.9%] Detached house in Fujimino, Saitama — 18 min from Fujimino Sta.
Assessed 174.9%Detached houseFujimino, SaitamaFujimino Sta. 18 min walk

[Assessed 174.9%] Detached house in Fujimino, Saitama — 18 min from Fujimino Sta.

Published: Updated:

Property Overview

LocationFujimino, Saitama
Nearest StationTobu Tojo Line Fujimino Sta.
Walk18 min walk
Assessed Ratio174.9%Assessed 174.9%
Price¥3,300,000
TypeDetached house
StructureWooden
BuiltBuilt Mar 1971 (55 years old)
Land Area42.75㎡
Building Area39.15㎡

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¥3,300,000View listing

Assessed Value Breakdown

Land assessed value¥5,771,250
Building assessed value¥0
Total assessed value¥5,771,250
Asking price¥3,300,000
Assessed ratio174.9%

Calculation basis

  • Land = road price ¥135,000/m² × land area 42.75m²
  • Building = replacement cost ¥220,000/m² × floor area 39.15m² × remaining life 0y ÷ statutory life 22y
  • Built Mar 1971 (55 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +8.0%
YearRoad price (JPY/m²)YoY
2024125,000—
2025130,000+4.0%
2026135,000+3.8%

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

How We Checked This Property

We checked the listing photos and the FY2026 road price map to confirm the disclosure item and how the road price was determined for a lot fronting a private road with no assigned road price.

Locating the road price

The 4.0m private road on the east side has no assigned road price, so we used the most common FY2026 road price among the block roads within the same Kamekubo (oaza) area: 135,000 yen/sqm (5 of 6 tracked segments), versus 130,000 yen/sqm for the remaining one.

View source
Effective land area

The 35.62 sqm private-road strip fronting the lot is registered as a separate parcel under a co-ownership share (385/3562), distinct from the 42.75 sqm lot, so it was not deducted from the land valuation.

Rights and restrictions

The listing agent's comments mention a disclosure item related to a psychological stigma, but the text is cut off in the listing and cannot be read; this remains unconfirmed at the time of writing.

On-site check from photos

The only listing photo is a single exterior shot from the front (east) private road; the road and lot appear level, with no visible step or retaining wall. No photo covers the rear (west) boundary, so that condition is unconfirmed.

What We Could Not Confirm

  • The disclosure item's content could not be confirmed because the listing text is cut off; check directly with the listing agent.
  • The frontage private road (4.0m, east side) has no assigned road price; this article substitutes the most common value from the adjacent block roads.
  • The rear (west) boundary of the lot has no photo, so its condition is unconfirmed.
  • The lot touches the private road for only 2.0m, close to the statutory minimum for road access; rebuilding eligibility should be confirmed with the listing 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

Welcia Pharmacy

A pharmacy/drugstore about 240m in a straight line from the Kamekubo district centroid; reverse geocoding confirmed it is in Oi-chuo 1-chome, Fujimino City.

Source
Gyomu Super

A discount food supermarket about 420m in a straight line from the district centroid; confirmed to be in Oi-chuo 3-chome, Fujimino City.

Source
AEON (Fujimino 1-chome)

A general merchandise supermarket about 500m in a straight line from the district centroid; confirmed to be in Fujimino 1-chome, Fujimino City.

Source

Neighborhood ② Dining Near the Station

Kikuya

A restaurant about 320m in a straight line from the district centroid; confirmed to be in Kamekubo 4-chome, Fujimino City.

Source
Starbucks

A cafe about 350m in a straight line from the district centroid; confirmed to be in Kamekubo 4-chome, Fujimino City.

Source
Matsuya

A beef-bowl (gyudon) fast-food restaurant about 360m in a straight line from the district centroid; confirmed to be in Fujimino 1-chome, Fujimino City.

Source

About This Property

This resale detached house is located in Kamekubo, Fujimino City, Saitama Prefecture, about 18 minutes on foot from Fujimino Station on the Tobu Tojo Line (or roughly a 25-minute bus ride to the Oi Sogo Shishomae stop, then a 5-minute walk). The site sits in a Category I Low-rise Exclusive Residential zone (50% building coverage, 80% floor-area ratio) within an urbanization-promotion area.

The property comprises a 42.75 sqm lot and a 39.15 sqm wood-frame two-story house (3K layout) built in March 1971 (about 55 years old); it is currently vacant. The listing agent's comments include a disclosure item related to a psychological stigma, but the text is cut off in the listing and its content cannot be read; confirmation with the listing agent is required before any contract. The frontage road is a 4.0m-wide designated private road on the east side, and the lot touches it for only 2.0m, close to the statutory minimum for road access. The 35.62 sqm private-road portion is registered as a separate parcel held under a co-ownership share (385/3562), so it has not been deducted from the land valuation. Because this private road has no assessed road price, the valuation uses the most common road price among the block roads within the same Kamekubo (oaza) area: 135,000 yen/sqm. There is no on-site parking.

The road-price-based land valuation is about 5.77 million yen, well above the listed price of 3.3 million yen. Possible reasons include the disclosure item noted above, the need for full interior and plumbing renovation, the small 42.75 sqm lot with no on-site parking, and the narrow 2.0m road frontage. The wood-frame building, now about 55 years old, is valued at 0 yen for assessment purposes.

The only listing photo is an exterior shot from the front (east side) private road; the road and the site appear to be at nearly the same level, with no visible step or retaining wall. However, no photo covers the boundary at the rear (west side) of the site, so that boundary condition has not been confirmed. We recommend an on-site inspection or a direct inquiry to the listing agent before making a decision.

Estimated Financing

Assessed value ¥5,771,250 → estimated loan ¥3,300,000 (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

Learn About Assessed Value and Financing

Our blog explains the basics you need to read the numbers on this page.

不動産担保ローンとは?手持ちの不動産で次の物件を買う方法
不動産担保ローン

不動産担保ローンとは?手持ちの不動産で次の物件を買う方法

不動産担保ローンは、持っている不動産を担保にお金を借りるローンです。仕組みや借りられる金額の目安、次の物件購入に使う方法、メリット・デメリットを解説します。

積算評価・担保評価とは?計算方法と調べ方をわかりやすく解説
不動産担保ローン

積算評価・担保評価とは?計算方法と調べ方をわかりやすく解説

積算評価(担保評価)とは、銀行が物件の担保価値を土地と建物から計算する方法です。計算式・再調達価格・法定耐用年数の目安、路線価を使った調べ方、融資が付きやすい物件の特徴を計算例つきで解説します。

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