積算100
[Assessed 163.7%] Detached house in Fujimino, Saitama — 20 min from Kami-Fukuoka Sta.
Assessed 163.7%Detached houseFujimino, SaitamaKami-Fukuoka Sta. 20 min walk

[Assessed 163.7%] Detached house in Fujimino, Saitama — 20 min from Kami-Fukuoka Sta.

Published: Updated:

Property Overview

LocationFujimino, Saitama
Nearest StationTobu Tojo Line Kami-Fukuoka Sta.
Walk20 min walk
Assessed Ratio163.7%Assessed 163.7%
Price¥5,000,000
TypeDetached house
StructureWooden
BuiltBuilt Jan 1975 (51 years old)
Land Area58.45㎡
Building Area48.41㎡

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¥5,000,000View listing

Assessed Value Breakdown

Land assessed value¥8,183,000
Building assessed value¥0
Total assessed value¥8,183,000
Asking price¥5,000,000
Assessed ratio163.7%

Calculation basis

  • Land = road price ¥140,000/m² × land area 58.45m²
  • Building = replacement cost ¥220,000/m² × floor area 48.41m² × remaining life 0y ÷ statutory life 22y
  • Built Jan 1975 (51 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +7.7%
YearRoad price (JPY/m²)YoY
2024130,000—
2025135,000+3.8%
2026140,000+3.7%

※ 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 local road values of Kaminohara 3-chome on two sheets of the Reiwa 8 roadside price map, and used the four listing photos and GSI elevation data to check the step at the front and the surrounding terrain.

Locating the road price

Counting the local roads of Kaminohara 3-chome on the Reiwa 8 roadside price map (sheet 26608; the southern tip of the chome is on 26605), the roads inside the chome and on the Nishihara 2-chome boundary are 140,000 yen/㎡, and the boundaries with Kaminohara 1- and 2-chome and others are 145,000 yen/㎡, so we used the most common value, 140,000 yen/㎡. The same road was 130,000 yen/㎡ in 2024 and 135,000 yen/㎡ in 2025. Using 145,000 yen/㎡ would give an assessment ratio of about 169.5%.

View source
Building valuation assumptions

The building is a wooden house built in January 1975. At 51 years old it is past the statutory useful life for wooden buildings (22 years), so the building is valued at zero. The assessment ratio reflects the land alone and does not include renovation or demolition costs.

On-site check from photos

We checked four images: the exterior, the floor plan and two photos of nearby schools. The exterior was taken from the private road on the north side, and the inside of the gate is only about 0.2 m above the road. The carport next door is also level with the road; we saw no retaining wall, stepped access or flag-shaped lot, and the house is not attached to its neighbours. The south (rear) boundary is not shown.

Rights and restrictions

Access is via a 4.0 m private road on the north side. The listing states no private-road burden but does not say whether it is a designated road. Possible reasons the price is below the total roadside value of the land (about 8.18 million yen) include renovation or demolition costs for the old vacant house, the small lot, and the as-is sale with no boundary marking and no seller liability.

What We Could Not Confirm

  • The listing does not say whether the 4.0 m private road on the north side is a road under the Building Standards Act, such as a designated road; this affects whether the house can be rebuilt and needs to be confirmed. Any share in the private road and consent for passage and excavation are also not stated.
  • The south (rear) boundary does not appear in the photos, so the height difference and any retaining structure at the neighbouring land have not been confirmed.
  • Because the boundaries will not be marked and the seller is exempt from liability for non-conformity, the boundary positions and any building defects (leaks, equipment, etc.) need to be checked by the buyer before purchase. The listing gives no estimate of renovation costs.
  • The lot number is not disclosed, and the position is an estimated range based on the distance to the elementary school. Local roads in Kaminohara 3-chome are valued at 140,000–145,000 yen/㎡.

※ 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

Drug Ace Naka-Fukuoka

Drugstore about 460 m in a straight line from the estimated position (centre of blocks 1–3, Kaminohara 3-chome). Location in Nakanoshima 1-chome, Fujimino confirmed on OpenStreetMap and with GSI reverse geocoding.

Source
AEON Fujimino

Supermarket about 750 m in a straight line from the estimated position. The listing also notes that Aeon Town Fujimino is within walking distance. Location in Fukuoka 2-chome, Fujimino confirmed on OpenStreetMap and with GSI reverse geocoding.

Source
Lawson (Naka-Fukuoka)

Convenience store about 750 m in a straight line from the estimated position. Location in Naka-Fukuoka, Fujimino confirmed on OpenStreetMap and with GSI reverse geocoding.

Source

Neighborhood ② Dining Near the Station

Doutor Coffee Shop (Fukuoka 2-chome)

Coffee shop about 650 m in a straight line from the estimated position. Location in Fukuoka 2-chome, Fujimino confirmed on OpenStreetMap and with GSI reverse geocoding.

Source
Ringer Hut (Fukuoka 2-chome)

Champon noodle restaurant about 690 m in a straight line from the estimated position. Location in Fukuoka 2-chome, Fujimino confirmed on OpenStreetMap and with GSI reverse geocoding.

Source
McDonald's (Fukuoka 2-chome)

Hamburger restaurant about 710 m in a straight line from the estimated position. Location in Fukuoka 2-chome, Fujimino confirmed on OpenStreetMap and with GSI reverse geocoding.

Source

About This Property

This is a pre-owned detached house in Kaminohara 3-chome, Fujimino, Saitama, a 20-minute walk from Kami-Fukuoka Station on the Tobu Tojo Line (29 minutes from Fujimino Station and 43 minutes from Minami-Furuya Station on the JR Kawagoe Line). The lot number is not disclosed, but from the listed distance to Fukuoka Elementary School (197 m) and the block positions published by the Geospatial Information Authority of Japan (GSI), we estimate that it lies around blocks 1–3 of Kaminohara 3-chome (an estimated range, not an identified lot). GSI elevation data shows this area is almost flat at about 10–12 m above sea level, with the terrace scarp more than 100 m to the west near the Kaminohara 1-chome boundary. The listing notes that Aeon Town Fujimino and the city hall are within walking distance. Distances to nearby facilities are straight-line distances from the estimated position (the centre of blocks 1–3).

The building is a two-storey wooden 3K (Japanese-style rooms of 6, 6 and 4.5 tatami) built in January 1975 (51 years old), with 48.41 ㎡ of floor area on a 58.45 ㎡ freehold lot (registered area). ⚠️ The house is currently vacant and the listing states that renovation is required. It is sold as is, the boundaries will not be marked, and the seller is exempt from liability for non-conformity, so leaks, equipment defects and boundary positions would have to be checked at the buyer's own expense. The zoning is Category 1 Low-rise Exclusive Residential (building coverage 50%, floor area ratio 100%), with public water, sewerage and city gas; the main light-facing side faces east, and handover timing is negotiable.

⚠️ Road access is via a 4.0 m private road on the north side. The listing says there is no private-road burden, but it does not say whether this road is a designated road, i.e. whether it counts as a road under the Building Standards Act. If it does not, rebuilding may not be permitted, so this needs to be confirmed with the agent and the city, together with any share in the private road and consent for passage and excavation (the listing does not state that rebuilding is prohibited). In the listing photo, the step from the private road to the inside of the gate is only about 0.2 m, and the neighbouring lots on both sides are level with the road. There is no retaining wall, stepped access or flag-shaped lot, and the house is a detached two-storey building. However, the south (rear) boundary does not appear in the photos, and the height difference with the neighbouring land there has not been confirmed.

The price is 5 million yen. Using the Reiwa 8 (2026) roadside price map, we took 140,000 yen/㎡, the most common value on the local roads of Kaminohara 3-chome, as the representative value, giving an assessment ratio of about 163.7%. The building is valued at zero because at 51 years old it is past the statutory useful life for wooden buildings, so this ratio reflects the land alone. The representative band rose from 130,000 yen/㎡ in 2024 and 135,000 yen/㎡ in 2025. The price is well below the total roadside value of the land (about 8.18 million yen). Possible reasons include the renovation or demolition cost of an old vacant house, the small 58.45 ㎡ lot, the heavy buyer-side burden of an as-is sale with no boundary marking and no seller liability, the 20-minute walk to the station, and the fact that the legal status of the private road cannot be confirmed from the listing, although the listing itself gives no reason. The high assessment ratio should be read as a figure that comes with these conditions.

Estimated Financing

Assessed value ¥8,183,000 → estimated loan ¥5,000,000 (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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