積算100
[Assessed 87.8%] Detached house in Minuma Ward, Saitama City, Saitama — 20 min from Owada Sta.
Assessed 87.8%Detached houseMinuma Ward, Saitama City, SaitamaOwada Sta. 20 min walk

[Assessed 87.8%] Detached house in Minuma Ward, Saitama City, Saitama — 20 min from Owada Sta.

Published: Updated:

Property Overview

LocationMinuma Ward, Saitama City, Saitama
Nearest StationTobu Noda Line Owada Sta.
Walk20 min walk
Assessed Ratio87.8%Assessed 87.8%
Price¥43,490,000
TypeDetached house
StructureWooden
BuiltBuilt Jun 2026 (0 years old)
Land Area152.15㎡
Building Area117.61㎡

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.

Kenbiya¥43,490,000View listing

Assessed Value Breakdown

Land assessed value¥12,307,140
Building assessed value¥25,874,200
Total assessed value¥38,181,340
Asking price¥43,490,000
Assessed ratio87.8%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 117.61m² × remaining life 22y ÷ statutory life 22y
  • Built Jun 2026 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.8%
YearRoad price (JPY/m²)YoY
202478,000—
202578,000±0.0%
202681,000+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

Rather than repeating the listing as is, we checked the representative route price, land area and road access against the fiscal 2026 route price map, the 10 listing images and the Kenbiya, SUUMO and HOME'S listings.

Locating the road price

On the fiscal 2026 route price map (sheet 31120), we counted the local streets in the southern block of Oaza Hasunuma, where the property sits on the listing map. The 81,000, 82,000, 83,000 and 84,000 yen/m² bands each appeared three times, so we adopted the lowest, 81,000 yen/m². Values on the arterial road and its side road were excluded as a different kind of location. The road the house fronts on the east is 83,000 yen/m², which would give about 88.5%; even the lowest band in the block, 77,000 yen/m², gives about 86.4%. On the same road the three-year trend is 78,000 → 78,000 → 81,000 yen, with leasehold ratio symbol D.

View source
Effective land area

The land area is 152.15 m² on Kenbiya and HOME'S and 151.94 m² on SUUMO, a 0.21 m² gap although both are stated as surveyed. We valued the land on the smaller 151.94 m²; 152.15 m² would give about 87.83%. No listing states a private-road burden area for the 4 m private road to the north, and the site directly fronts the 4 m public road to the east, so no private-road deduction was made. The northeast corner cut-off is not stated to be included in the land area, so it was not deducted either. The lot is neither flag-shaped nor sloped.

On-site check from photos

We reviewed the 10 listing images (exterior, front roads, side passage, lot plan and floor plan). The east public road is asphalt with a gutter and curb, and the step up to the site's concrete apron is only the curb, about 10–15 cm. The north private road (gravel in the photos) is also level with the site. The south neighbour is separated by one course of block (about 0.2 m) and a mesh fence, with matching ground levels. We saw no retaining wall, stepped access or slope; the house stands apart from its neighbours on a regular corner lot. Only the west (rear) boundary is not shown in any photo.

Building valuation assumptions

An unoccupied two-storey wooden house completed in June 2026 with 117.61 m² of floor area. Kenbiya describes the layout as 3LDK plus a 7-tatami storeroom, while another agent's SUUMO listing says 4LDK. The ground floor has no built-in garage; the shutter on the front is the storeroom window, and parking is outdoors for three cars side by side.

Listing check

The price of 43.49 million yen matches across Kenbiya, SUUMO and HOME'S. The HOME'S new-house listing has been public since 26 June 2026. Kenbiya lists it as a detached rental house, but the yield and expected rent are undecided and not stated. The SUUMO listing cites Landscape Act controls, a residential land development regulation area, a 10 m height limit and the Act on Special Measures concerning Urban Reconstruction.

What We Could Not Confirm

  • The lot number is not disclosed, so the position was estimated from the coordinates on the listing map. Local streets around the adopted 81,000 yen/m² range from 77,000 to 84,000 yen/m², which puts the assessment ratio at about 86.4–88.8%.
  • None of the listings state the private-road burden area or whether a share of the 4 m private road to the north comes with the property. Consent for passage and excavation and any ownership share need to be confirmed with the agent.
  • The boundary with the west (rear) neighbour does not appear in any photo, so any level difference or retaining structure there is unconfirmed. It needs to be checked on site or with the agent.
  • The listings differ on the land area (151.94 m² vs 152.15 m²) and the layout (3LDK plus storeroom vs 4LDK). The area should be confirmed with a survey map or similar document.
  • The yield and expected rent are undecided and not stated, and the house is currently vacant (never occupied). The achievable rent would need to be checked separately if it is to be let.

※ 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 Saitama Hasunuma

Convenience store listed on HOME'S as 580 m away. Its location in Oaza Hasunuma, Minuma Ward was confirmed with OpenStreetMap and GSI reverse geocoding.

Source
Yaoko Omiya Hasunuma

Supermarket listed on HOME'S as 1,090 m away. Its OpenStreetMap position was confirmed to be in Oaza Hasunuma, Minuma Ward by GSI reverse geocoding.

Source
DCM Saitama Hasunuma

Home improvement store listed on HOME'S as 1,340 m away. Its location in Oaza Hasunuma, Minuma Ward was confirmed with OpenStreetMap and GSI reverse geocoding.

Source

Neighborhood ② Dining Near the Station

Soba-dokoro Isseian

Soba restaurant about 640 m in a straight line from the property position on the listing map. Its location in Oaza Hasunuma, Minuma Ward was confirmed with OpenStreetMap and GSI reverse geocoding.

Source
Teppanyaki Ebisuya

Teppanyaki restaurant about 670 m in a straight line from the property position on the listing map. Its location in Oaza Hasunuma, Minuma Ward was confirmed with OpenStreetMap and GSI reverse geocoding.

Source
Olive no Oka

Italian family restaurant about 960 m in a straight line from the property position on the listing map. Its location in Oaza Hasunuma, Minuma Ward was confirmed with OpenStreetMap and GSI reverse geocoding.

Source

About This Property

This is a newly built detached house in Oaza Hasunuma, Minuma Ward, Saitama City. Owada Station on the Tobu Noda Line is a 20-minute walk (1,600 m per the listing), and the listing also gives a route from JR Omiya Station: 33 minutes by bus to the "Owada Maehara" stop, then a 10-minute walk. The area is a Category 1 low-rise residential zone. Per the HOME'S listing, FamilyMart Saitama Hasunuma is 580 m away, Yaoko Omiya Hasunuma and Kusuri no Aoki Hasunuma are 1,090 m, DCM Saitama Hasunuma is 1,340 m, Otani Junior High School is 1,100 m and Owada Elementary School is 1,200 m. In the nearby places below, the three shops use the listing's distances and the three restaurants use straight-line distances from the property position on the listing map.

The land is freehold; its area is 152.15 m² on Kenbiya and 151.94 m² on SUUMO (both stated as surveyed). It is a corner lot bordered by a 4 m public road to the east and a 4 m private road to the north, with a corner cut-off at the northeast and a regular shape in the lot plan. The building is an unoccupied two-storey wooden house completed in June 2026, with 117.61 m² of floor area laid out as 3LDK plus a storeroom (17.7-tatami LDK; Western-style rooms of 10, 7.5 and 5.7 tatami; a 7-tatami storeroom; pantry; walk-in shoe closet). Another agent's SUUMO listing describes it as 4LDK. It is the only unit in the development and can be handed over immediately. Parking is outdoors for three cars side by side; there is no built-in garage. Utilities are public water, public sewer and city gas, with a 3-star energy-saving rating (20% reduction) and insulation grade 5. Zoning is Category 1 low-rise residential (60% building coverage, 100% floor area ratio), and the SUUMO listing also cites Landscape Act controls, a residential land development regulation area, a 10 m height limit and the Act on Special Measures concerning Urban Reconstruction.

The price is 43.49 million yen, the same on Kenbiya, SUUMO and HOME'S. For the fiscal 2026 route price, the local streets in the southern block of Oaza Hasunuma split evenly among 81,000, 82,000, 83,000 and 84,000 yen/m², so we adopted the lowest of these, 81,000 yen/m². Fiscal 2024 and 2025 were both 78,000 yen, so fiscal 2026 is up about 3.8%. The road the house fronts on the east is 83,000 yen/m², which would give about 88.5%, and even the lowest band in the block, 77,000 yen/m², gives about 86.4%. The land is valued on the smaller listed area of 151.94 m²; 152.15 m² would give about 87.83%. As a new build, the building is valued at the full 22 remaining years of the 22-year statutory useful life for wood and makes up about two-thirds of the assessed value; that portion declines year by year. Kenbiya lists it in its detached rental house category, but the yield and expected rent are undecided and not stated, and the house is currently vacant (never occupied).

In the exterior photos, the east public road (asphalt, with a gutter and curb) sits at nearly the same level as the site, with a curb step of about 10–15 cm, and the north private road (gravel in the photos) is also level with the site. The south neighbour is separated by one course of concrete block (about 0.2 m) and a mesh fence, with matching ground levels on both sides. We saw no retaining wall, stepped access or slope, and it is neither a flag-shaped lot nor a terraced house. ⚠️ None of the listings state the private-road burden area or whether a share of the north private road comes with the property. The site fronts the east public road directly, but consent for passage and excavation on the private road and any ownership share should be confirmed with the agent. ⚠️ The west (rear) boundary does not appear in any photo, so any level difference or retaining structure there is unconfirmed. ⚠️ The lot number is not disclosed, and the position was estimated from the coordinates on the listing map.

Estimated Financing

Assessed value ¥38,181,340 → estimated loan ¥38,180,000 (88% 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.

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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