積算100
[Assessed 143.2%] Detached house in Fujimi, Saitama — 19 min from Fujimino Sta.
Assessed 143.2%Detached houseFujimi, SaitamaFujimino Sta. 19 min walk

[Assessed 143.2%] Detached house in Fujimi, Saitama — 19 min from Fujimino Sta.

Published: Updated:

Property Overview

LocationFujimi, Saitama
Nearest StationTobu Tojo Line Fujimino Sta.
Walk19 min walk
Assessed Ratio143.2%Assessed 143.2%
Price¥8,500,000
TypeDetached house
StructureWooden
BuiltBuilt Sep 1967 (59 years old)
Land Area104.08㎡
Building Area37.62㎡

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¥8,500,000View listing

Assessed Value Breakdown

Land assessed value¥12,172,500
Building assessed value¥0
Total assessed value¥12,172,500
Asking price¥8,500,000
Assessed ratio143.2%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 37.62m² × remaining life 0y ÷ statutory life 22y
  • Built Sep 1967 (59 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +7.1%
YearRoad price (JPY/m²)YoY
2024140,000—
2025145,000+3.6%
2026150,000+3.4%

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

How We Checked This Property

We examined the listing's site-plan drawing and photos to work out the effective lot area for this flag-shaped lot and to explain why the road's legal classification remains unconfirmed.

Locating the road price

We tracked the block roads across all of Watodo 3-chome and used the most common FY2026 value, 150,000 yen/sqm, as the representative figure. It is the most frequent value in the area, with some 145,000 and 140,000 yen/sqm segments as well, but the assessed ratio comes out well above 80% under any of these bands.

View source
Effective land area

Because this is a flag-shaped lot, we used an effective area of 81.15 sqm, deducting a 22.93 sqm access strip from the registered 104.08 sqm total. The strip's length is undisclosed, and reading it off the site plan's scale suggests only about 14 sqm, so the deduction carries a range (effective 90.1 sqm if the strip is 14 sqm, or the full 104.08 sqm with no deduction).

Rights and restrictions

The listing's road-access field is blank, and whether the 4.0m private road at the front (held as a 1376/18803 co-ownership share) qualifies as a Building Standards Act designated road has not been confirmed. The access strip's frontage is 2m, and since its length is undisclosed, we could not confirm whether it meets the width standard that applies based on length.

On-site check from photos

We reviewed the site-plan drawing and four exterior shots among the nine listing photos. There is no significant step or retaining wall between the front private road and the lot, and the boundary with neighboring lots is only a low curb; the house stands independently, not as a row house. A roughly 2m-wide passage matching the access strip is visible beside the wood-frame house, but which of the two houses corresponds to building (1) or (2) could not be determined.

What We Could Not Confirm

  • Whether the 4.0m private road at the front (a 1376/18803 co-ownership share) qualifies as a Building Standards Act designated road has not been confirmed.
  • The length of the flag lot's access strip is undisclosed; reading it off the site plan's scale suggests only about 14 sqm, which differs from the 22.93 sqm deduction based on the registered area.
  • The access strip's frontage is 2m, and the required road width depends on its length, but since that length is undisclosed, we could not confirm the lot meets the standard.
  • Of the two houses (37.62 sqm and 48.32 sqm), which one corresponds to building (1) or building (2) on the floor plan could not be determined from the photos.

※ 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

Mini Co-op Hazawa

A supermarket about 420m in a straight line from the Watodo 3-chome district centroid; reverse geocoding confirmed it is in Hazawa 2-chome, Fujimi City.

Source
Welcia Pharmacy Fujimi Watodo

A pharmacy/drugstore about 580m in a straight line from the district centroid; confirmed to be in Watodo 1-chome, Fujimi City.

Source
7-Eleven (Hazawa 1-chome)

A convenience store about 510m in a straight line from the district centroid; confirmed to be in Hazawa 1-chome, Fujimi City.

Source

Neighborhood ② Dining Near the Station

Mendojo Tsuruse

A noodle restaurant about 420m in a straight line from the district centroid; confirmed to be in Hazawa 2-chome, Fujimi City.

Source
Modern Pasta Fujimi Hazawa

A pasta restaurant about 560m in a straight line from the district centroid; confirmed to be in Hazawa 2-chome, Fujimi City.

Source

About This Property

This resale detached house is located in Watodo 3-chome, Fujimi City, Saitama Prefecture, about 19 minutes on foot from Fujimino Station on the Tobu Tojo Line (about 21 minutes from Tsuruse Station). The site sits in a Category I Low-rise Exclusive Residential zone (50% building coverage, 80% floor-area ratio), within an urbanization-promotion area, on flat terrain.

The lot is flag-shaped (hatazao-chi): from the registered 104.08 sqm total, we deducted a 22.93 sqm narrow access strip to arrive at an effective 81.15 sqm used for the land valuation. The length of that access strip is not disclosed in the listing, and reading it off the site-plan drawing's scale suggests only about 6-7m (roughly 14 sqm), which does not match the registered area. If the strip were 14 sqm, the effective area would be 90.1 sqm (159.0% assessed ratio); with no deduction at all it would be 183.7%; our adopted figure of 81.15 sqm (143.2%) sits between those. The strip's frontage is 2m wide; Saitama Prefecture's ordinance requires a 3m-or-wider strip once its length exceeds 20m, but since the length is not disclosed, we could not confirm whether this lot meets that standard. In addition, the listing's road-access field is blank ("-"), and whether the 4.0m private road at the front (188.03 sqm, held as a 1376/18803 co-ownership share) qualifies as a Building Standards Act "designated road" has not been confirmed.

There are two wood-frame houses on the lot: one built in September 1967 (37.62 sqm) and another built in November 1967 (48.32 sqm); both are about 59 years old and valued at 0 yen for assessment purposes. The road-price-based land valuation is about 12.17 million yen, well above the listed price of 8.5 million yen. Possible reasons include the unconfirmed road-access classification noted above, the flag-lot shape, demolition costs for the two 1967-built houses, and the property currently being vacant. The road price used here is the most common value among the block roads across Watodo 3-chome as a whole: 150,000 yen/sqm.

The listing photos show no significant step or retaining wall between the 4.0m private road and the lot, and the boundary with neighboring lots is only a low curb, confirming the house stands independently (not a row house). A roughly 2m-wide passage matching the access strip is visible beside the wood-frame house. However, the road's legal classification, the exact length of the access strip, and which of the two houses corresponds to building (1) or (2) could not be determined from the photos.

Estimated Financing

Assessed value ¥12,172,500 → estimated loan ¥8,500,000 (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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