積算100
[Assessed 83.3%] Detached house in Kawagoe, Saitama — 10 min from Matoba Sta.
Assessed 83.3%Detached houseKawagoe, SaitamaMatoba Sta. 10 min walk

[Assessed 83.3%] Detached house in Kawagoe, Saitama — 10 min from Matoba Sta.

Published: Updated:

Property Overview

LocationKawagoe, Saitama
Nearest StationJR Kawagoe Line Matoba Sta.
Walk10 min walk
Assessed Ratio83.3%Assessed 83.3%
Price¥24,800,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 2016 (9 years old)
Land Area109.21㎡
Building Area98.12㎡

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¥24,800,000View listing

Assessed Value Breakdown

Land assessed value¥7,890,750
Building assessed value¥12,755,600
Total assessed value¥20,646,350
Asking price¥24,800,000
Assessed ratio83.3%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 98.12m² × remaining life 13y ÷ statutory life 22y
  • Built Dec 2016 (9 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +1.4%
YearRoad price (JPY/m²)YoY
202474,000—
202575,000+1.4%
202675,000±0.0%

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

How We Checked This Property

As the lot number is not disclosed, we narrowed down the location from the listed distances to stations and shops, checked the 2026 route price maps, deducted the setback portion for the 3 m front road, and used the listing photos to check level differences.

Locating the road price

Oaza Matoba is a large district without chome that spans 16 route price map sheets, and the lot number is not disclosed. We found the area that does not exceed any of the listed distances (Matoba Station 800 m, Belc Matoba 600 m, Yaoko Kawagoe Matoba 1,400 m, Kasumigaseki Station 1,600 m, etc.), counted the block roads in the southeastern area where the ratio of straight-line to listed distance fits best (map no. 26064, south of the Kawagoe-Hidaka main prefectural road), and took the most common value, ¥75,000/m², as representative. The same section was ¥74,000/m² in 2024 and ¥75,000/m² in 2025. About 84% of the estimated range lies north of the Hidaka road; taking the most common block-road value there, ¥105,000/m², gives an assessed ratio of about 96.0%, and even the lowest block road in the range, ¥71,000/m², gives about 81.6%. If the lot faced the short ¥66,000/m² road in the east of the range, the ratio would be about 79.4%, but that spot slightly exceeds the listed distance to Kasumigaseki Station. The zoning is Quasi-industrial (urbanization promotion area), not a multiplier area.

View source
Effective land area

The front road on the south side is listed as 3 m wide, and there is no mention of a setback area or of the lot being unbuildable, so we treated it as an Article 42(2) road under the Building Standards Act and made a deduction. The setback is about 0.5 m (to 2 m from the road's center line) and the frontage is estimated at about 8 m from the photos and floor plan, so about 4.0 m² (0.5 m × 8 m) was subtracted from the listed 109.21 m², giving an effective lot area of 105.21 m². Without the deduction the assessed ratio would be about 84.5%. In the photos the road also looks about 4 m wide.

On-site check from photos

We checked three photos (the site including the front road, the exterior, and the view from the second floor) plus the equipment and floor plan images. The south front road and the lot are at the same level, with the parking concrete meeting the road across only a curb and no steps. The right-hand boundary seen from the road is a three-course block wall (about 0.6 m) topped by a fence; on the left is a house from the same development with only a low dividing block. The view from the second floor shows flat housing and fields, with no retaining walls or slopes. The house is one of a row of detached houses from the same development, not a flag lot or a row house. No photo shows the north (rear) boundary.

What We Could Not Confirm

  • The front road is listed as 3 m wide but looks about 4 m in the photos. The actual width, the legal type of the road (whether it is an Article 42(2) road) and whether a setback is needed on rebuilding, and its area, need to be confirmed with the broker.
  • The lot number is not disclosed, so the route price cannot be pinned down precisely. We estimated the southeastern part of Oaza Matoba from the listed distances, but confirming the lot number requires asking the broker.
  • The boundary with the northern (rear) neighbor does not appear in the photos, so the level difference and any retaining structure have not been confirmed.
  • No yield or expected rent is listed. Rent for use as a rental needs to be checked against local market rates.

※ 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

ベルク的場店

A supermarket 600 m from the property according to the listing's neighborhood section. Confirmed via OpenStreetMap and GSI reverse geocoding to be in Oaza Matoba, Kawagoe.

Source
ファミリーマート ドラッグエース川越的場店

A convenience store combined with a drugstore, 600 m from the property according to the listing's neighborhood section. Confirmed via OpenStreetMap and GSI reverse geocoding to be in Matoba-shinmachi, Kawagoe.

Source
ヤオコー川越的場店

A supermarket 1,400 m from the property according to the listing's neighborhood section. Confirmed via OpenStreetMap and GSI reverse geocoding to be in Matoba-shinmachi, Kawagoe.

Source

Neighborhood ② Dining Near the Station

くら寿司

A conveyor-belt sushi restaurant about 460 m in a straight line from Matoba Station and about 160 m from Belc Matoba. Confirmed via OpenStreetMap and GSI reverse geocoding to be in Oaza Matoba, Kawagoe.

Source
中華菜館しま

A Chinese restaurant about 520 m in a straight line from Matoba Station and about 100 m from Belc Matoba. Confirmed via OpenStreetMap and GSI reverse geocoding to be in Oaza Matoba, Kawagoe.

Source
ステーキのどん 的場店

A steak restaurant about 540 m in a straight line from Matoba Station and about 40 m from Belc Matoba. Confirmed via OpenStreetMap and GSI reverse geocoding to be in Oaza Matoba, Kawagoe.

Source

About This Property

A pre-owned detached house in Oaza Matoba, Kawagoe, a 10-minute walk (800 m) from Matoba Station on the JR Kawagoe Line. Kasumigaseki Station on the Tobu Tojo Line is listed at a 20-minute walk and Nishi-Kawagoe Station on the JR Kawagoe Line at 34 minutes. It is one of a row of houses developed and sold by ME Group, zoned Quasi-industrial (building coverage 60%, floor area ratio 200%). The listing gives the location only down to Oaza Matoba; the lot number is not disclosed.

The building is a two-story wooden 4LDK built in December 2016, with 98.12 m² of floor area (registered) on 109.21 m² of freehold land (registered) with no private road share. There is a parking space, public water, public sewer and city gas, and the house is available for immediate handover. In the listing photos the road on the south side and the lot are at the same level with no steps, the retaining height at the right-hand boundary is only about 0.6 m, and no retaining wall is visible. The north (rear) boundary does not appear in the photos. The price is ¥24.8 million, and no yield or expected rent is listed.

⚠️ The front road is listed as 3 m wide, short of the 4 m required in principle by the Building Standards Act. The listing makes no mention of a setback, but a rebuild is expected to require setting the lot back to 2 m from the road's center line. We deducted that portion (a setback of about 0.5 m × a frontage of about 8 m, about 4 m²) and calculated the assessment on an effective lot area of 105.21 m². Without the deduction the assessed ratio would be about 84.5%. On the other hand, the road looks closer to 4 m in the listing photos, so the actual width and whether a setback is needed must be confirmed with the broker.

The 2026 route price of ¥75,000/m² is used as the representative value. Because the lot number is not disclosed, we estimated the location from the listed distances to stations, shops and schools, and took the most common band among the block roads in the southeastern area where the distances fit best (¥74,000/m² in 2024, ¥75,000/m² in 2025). The northern band that covers most of the estimated range (¥105,000/m²) would give about 96.0%, and even the lowest band in the range, ¥71,000/m², gives about 81.6%. Of the nearby places, the three shops use the distances given in the listing's neighborhood section, and the three restaurants use straight-line distances from Matoba Station (OpenStreetMap).

Estimated Financing

Assessed value ¥20,646,350 → estimated loan ¥20,640,000 (83% 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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