積算100
[Assessed 86.5%] Detached house in Kawagoe, Saitama — 16 min from Kawagoe Sta.
Assessed 86.5%Detached houseKawagoe, SaitamaKawagoe Sta. 16 min walk

[Assessed 86.5%] Detached house in Kawagoe, Saitama — 16 min from Kawagoe Sta.

Published: Updated:

Property Overview

LocationKawagoe, Saitama
Nearest StationJR Kawagoe Line Kawagoe Sta.
Walk16 min walk
Assessed Ratio86.5%Assessed 86.5%
Price¥21,800,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 1999 (26 years old)
Land Area110.97㎡
Building Area92.73㎡

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¥21,800,000View listing

Assessed Value Breakdown

Land assessed value¥18,864,900
Building assessed value¥0
Total assessed value¥18,864,900
Asking price¥21,800,000
Assessed ratio86.5%

Calculation basis

  • Land = road price ¥170,000/m² × land area 110.97m²
  • Building = replacement cost ¥220,000/m² × floor area 92.73m² × remaining life 0y ÷ statutory life 22y
  • Built Dec 1999 (26 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +6.3%
YearRoad price (JPY/m²)YoY
2024160,000—
2025165,000+3.1%
2026170,000+3.0%

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

How We Checked This Property

We counted the local road prices of Senbamachi 4-chome on two sheets of the Reiwa 8 roadside price map, compared them with the roads around the property, and checked the frontage shape and site levels using the lot dimensions on the floor plan and the site photos.

Locating the road price

We counted the local roads of all of Senbamachi 4-chome on the Reiwa 8 roadside price map (sheets 26083 and 26093). Excluding the arterial roads on the chome boundary (230 and 235 thousand yen/㎡), 170 and 180 thousand yen/㎡ were tied as the most common at four roads each, and we adopted the lower 170 thousand yen/㎡ (the assessed ratio would be about 91.6% at 180 thousand yen/㎡). The chome splits into a northern group of 155 to 190 thousand yen/㎡ and a southeastern group of 120 to 150 thousand yen/㎡, and the property is in the southeast. The surrounding roads are 150, 140, 135 and 125 thousand yen/㎡; using the roads around the property, the ratio falls to about 76.4% at 150 thousand yen/㎡, about 68.7% at 135 thousand and about 63.6% at 125 thousand. The dead-end public road in front has no roadside price. The representative value was 160 thousand yen/㎡ in 2024, 165 thousand in 2025 and 170 thousand in 2026, and we confirmed the same trend on three roads.

View source
Effective land area

Because the frontage is only about 2.1 m, we first suspected a flag-shaped lot with a narrow access strip. The floor plan shows lot dimensions of about 10.5 m × 10.4 m (about 109 ㎡, close to the registered 110.97 ㎡), the listing's features say regular-shaped, and the lot touches the road at a corner, so no area was deducted. The front road is about 4.2 m wide and no setback is needed.

Building valuation assumptions

The house is a two-story wooden building with a slate roof built in December 1999 (26 years old), so the building is valued at zero. The assessed ratio compares only the total roadside land value (about 18.86 million yen at the representative value) with the 21.8 million yen price.

On-site check from photos

We checked two exterior photos of the site and the floor plan with lot dimensions. The road and the slab on the lot are at the same level, and the entrance porch is one step (about 15 cm). The south neighbor is separated by an approximately 0.4 m block wall with almost the same ground level on both sides, and the north side is continuous with the neighbor's garage; there is no retaining wall or stepped access. The house is detached with gaps to the neighbors. The west (rear) and southwest boundaries are not shown.

What We Could Not Confirm

  • The property is in the southeastern part of the chome, where the surrounding roads are 125 to 150 thousand yen/㎡. Using the roads around the property, the assessed ratio falls to about 76.4% at 150 thousand yen/㎡, about 68.7% at 135 thousand and about 63.6% at 125 thousand.
  • The dead-end public road in front (about 4.2 m wide) has no roadside price, and a specific road price may be set for inheritance tax valuation. The assessed ratio would change depending on that value.
  • The lot touches the road for only about 2.1 m, leaving little margin over the Building Standards Act requirement of at least 2 m, and the figure comes from the listing and floor plan, not a survey. It should be confirmed with a survey map when rebuilding.
  • The west (rear) and southwest boundaries do not appear in the photos, so the level difference with the neighbors and any retaining structure are unconfirmed.

※ 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

7-Eleven

Convenience store about 470 m in a straight line from the listing's map coordinates. OpenStreetMap and GSI reverse geocoding confirm it is in Kishimachi 1-chome, Kawagoe.

Source
7-Eleven

Convenience store about 570 m in a straight line from the listing's map coordinates. OpenStreetMap and GSI reverse geocoding confirm it is in Senbamachi 2-chome, Kawagoe.

Source
Tobu Store

Supermarket about 820 m in a straight line from the listing's map coordinates, on the east side of Kawagoe Station. OpenStreetMap and GSI reverse geocoding confirm it is in Wakitacho, Kawagoe.

Source

Neighborhood ② Dining Near the Station

Tonden

Restaurant about 610 m in a straight line from the listing's map coordinates. OpenStreetMap and GSI reverse geocoding confirm it is in Fujimicho, Kawagoe.

Source
Menya Homare

Ramen shop about 660 m in a straight line from the listing's map coordinates. OpenStreetMap and GSI reverse geocoding confirm it is in Senbamachi 3-chome, Kawagoe.

Source
Daishoen

Restaurant about 680 m in a straight line from the listing's map coordinates. OpenStreetMap and GSI reverse geocoding confirm it is in Sugaharacho, Kawagoe.

Source

About This Property

This is a used detached house in Senbamachi 4-chome, Kawagoe, Saitama, a 16-minute walk from Kawagoe Station on the JR Kawagoe Line and Tobu Tojo Line. The price is 21.8 million yen. The site straddles a Category 1 Residential Zone and a Quasi-residential Zone, both with building coverage of 60% and a floor area ratio of 168%. The land is flat, and the listing says an elementary school is within a 10-minute walk.

The building is a two-story wooden 4LDK with a slate roof, built in December 1999 (26 years old), with 92.73 ㎡ of floor area, on 110.97 ㎡ of freehold land (registered area). It is all-electric and has parking (whether a carport fits depends on the car). There is no private road burden. ⚠️ The lot touches the road for only about 2.1 m. The front road is a public dead-end road about 4.2 m wide; according to the dimensions on the floor plan, the lot is a regular shape of about 10.5 m × 10.4 m (the listing's features also say regular-shaped), and it touches the road at a corner, so there is no narrow access strip (flag pole). The 2.1 m frontage meets the Building Standards Act requirement of at least 2 m, but with little margin, so it should be verified by survey when rebuilding. The transaction is through a broker.

For the roadside land price we use the Reiwa 8 (2026) map and take the most common value across the local roads of all of Senbamachi 4-chome. Because 170 and 180 thousand yen/㎡ are tied at four roads each, we adopt the lower 170 thousand yen/㎡, giving an assessed ratio of about 86.5% (about 91.6% at 180 thousand yen/㎡). ⚠️ However, road prices in this chome split into a northern group (155 to 190 thousand yen/㎡) and a southeastern group (120 to 150 thousand yen/㎡), and the property is in the southeastern part. The surrounding roads are 150, 140, 135 and 125 thousand yen/㎡; using the roads around the property, the ratio falls to about 76.4% at 150 thousand yen/㎡, about 68.7% at 135 thousand and about 63.6% at 125 thousand. The dead-end public road in front has no roadside price. The 26-year-old wooden building counts as zero, so the assessment is for the land only. The representative road price rose from 160 thousand yen/㎡ in 2024 to 165 thousand in 2025 and 170 thousand in 2026.

In the exterior photos, the road and the concrete slab on the lot are at the same level with no step, and the entrance porch is one step (about 15 cm). The south neighbor is separated by a block wall under a hedge (about 0.4 m) with almost the same ground level on both sides, and the north side is continuous and level with the neighbor's garage slab. There is no retaining wall, slope or stepped access, and the house is detached with gaps to the neighbors. ⚠️ The west (rear) and southwest boundaries do not appear in the photos and are unconfirmed. The ratio is about 86.5% at the representative value but falls to 63.6 to 76.4% using the roads around the property, so the result depends heavily on which road price is used. Distances to nearby places are straight-line distances from the listing's map coordinates (which GSI reverse geocoding places in Senbamachi 4-chome), based on OpenStreetMap positions.

Estimated Financing

Assessed value ¥18,864,900 → estimated loan ¥18,860,000 (87% 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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