積算100
[Assessed 81.8%] Detached house in Niiza, Saitama — 17 min from Kiyose Sta.
Assessed 81.8%Detached houseNiiza, SaitamaKiyose Sta. 17 min walk

[Assessed 81.8%] Detached house in Niiza, Saitama — 17 min from Kiyose Sta.

Published: Updated:

Property Overview

LocationNiiza, Saitama
Nearest StationSeibu Ikebukuro Line Kiyose Sta.
Walk17 min walk
Assessed Ratio81.8%Assessed 81.8%
Price¥21,800,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 1976 (49 years old)
Land Area127.38㎡
Building Area115.13㎡

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¥17,833,200
Building assessed value¥0
Total assessed value¥17,833,200
Asking price¥21,800,000
Assessed ratio81.8%

Calculation basis

  • Land = road price ¥140,000/m² × land area 127.38m²
  • Building = replacement cost ¥220,000/m² × floor area 115.13m² × remaining life 0y ÷ statutory life 22y
  • Built Dec 1976 (49 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.7%
YearRoad price (JPY/m²)YoY
2024135,000—
2025135,000±0.0%
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

Because SUUMO had no exterior photo, we cross-checked the exterior photo and plot plan from another listing of the same property against four sheets of the 2026 route price map to examine the private road and the route price band.

Locating the road price

On the 2026 route price map (Shinbori 1-chome spans map nos. 40334, 40335, 40342 and 40343) we counted the block roads within the chome. ¥140,000/m² was the most common with 10 sections, followed by ¥160,000/m² with 9, so ¥140,000/m² is used as the representative value. The band on the designated road serving the site could not be identified; at ¥135,000/m², the only lower band in the chome, the assessed ratio would be about 78.9%.

View source
Effective land area

SUUMO's private road field only says "private road portion 58.33 m²", but another listing of the same property (Yahoo! Real Estate) describes a 1/3 co-ownership share of a 173.00 m² designated road, and the plot plan shows the site and road as separate shapes. We therefore treated it as a separate parcel and did not deduct it from the 127.38 m². If it were included in the land area, the effective site would be 69.05 m² and the assessed ratio about 44.3%.

On-site check from photos

SUUMO's exterior photo was a placeholder, so we checked one exterior photo and the plot plan from another listing of the same property. The site and the passage to the south are at the same level and flat, with no retaining wall, step or stairway access. The house is a detached two-story building, not a row house, and the plot plan shows it is not a flag-shaped lot. The north and west boundaries are not visible.

Rights and restrictions

Access is via a 4.8 m-wide designated road on the east; the plot plan shows the site touching its dead end along the 2.30 m eastern edge. Another listing of the same property states it is sold as-is (renovation required), with the seller exempt from contract non-conformity liability and from repairing equipment.

Building valuation assumptions

Built in December 1976, the wooden house is 49 years old and past the 22-year statutory useful life for wooden structures, so the building is assessed at zero and only the land is valued.

What We Could Not Confirm

  • The listings do not settle whether the 58.33 m² private road portion is included in the 127.38 m² land area or is a separate parcel share. If included, the effective site would be 69.05 m² and the assessed ratio about 44.3%, so the registered land area and the parcel of the road share should be checked.
  • The route price band on the designated road serving the site has not been identified. At ¥135,000/m², the only lower band in the chome, the assessed ratio would be about 78.9%.
  • The site's frontage is its 2.30 m eastern edge, only 0.30 m above the 2 m minimum. Whether the plot plan dimensions match the actual survey should be confirmed with the agent.
  • The north (neighboring lot) and west (apartment) boundaries and any height differences are not visible in the photo and have not been checked.
  • As the property is sold as-is with the seller exempt from non-conformity liability, the condition of the 49-year-old building and its equipment should be checked through a viewing or building inspection.

※ 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

Ministop Niiza Shinbori

A convenience store about 240 m in a straight line from the map position in the listing. OpenStreetMap and GSI reverse geocoding confirm it is in Shinbori 1-chome, Niiza, the same district as the property.

Source
7-Eleven Niiza Nishibori 2-chome

A convenience store about 890 m in a straight line from the map position in the listing. OpenStreetMap and GSI reverse geocoding confirm it is in Nishibori 2-chome, Niiza.

Source
Gyomu Super Niiza Ishigami

A supermarket about 1,350 m in a straight line from the map position in the listing. OpenStreetMap and GSI reverse geocoding confirm it is in Ishigami 3-chome, Niiza.

Source

Neighborhood ② Dining Near the Station

Aji no Mingei Across Plaza Higashikurume

A Japanese family restaurant about 890 m in a straight line from the map position in the listing. It is across the city boundary in Uenohara, Higashikurume, Tokyo, not in Niiza (confirmed with OpenStreetMap and GSI reverse geocoding).

Source
Matsuya

A beef bowl restaurant on the south side of Kiyose Station, the nearest station, about 1,300 m in a straight line from the map position in the listing. It is across the city boundary in Matsuyama 1-chome, Kiyose, Tokyo, not in Niiza (confirmed with OpenStreetMap and GSI reverse geocoding).

Source
Saizeriya

An Italian restaurant about 1.9 km in a straight line from the map position in the listing. It is the nearest restaurant within Niiza on OpenStreetMap, and GSI reverse geocoding confirms it is in Kurihara 3-chome, Niiza.

Source

About This Property

A pre-owned detached house in Shinbori 1-chome, Niiza, a 17-minute walk (about 1,360 m; another listing of the same property says 16 minutes) from Kiyose Station on the Seibu Ikebukuro Line. It lies in a residential area near the city boundaries with Kiyose and Higashikurume, and Niiza Municipal Shinbori Elementary School is listed at 366 m. The zoning is Category 1 Medium-to-High-Rise Exclusive Residential (building coverage 60%, floor area ratio 192%, which is the designated 200% reduced by the 4.8 m frontage road), with a 25 m height district, an Article 22 fire-prevention zone and a residential guidance area.

The building is a two-story wooden 4DK plus storage room (115.13 m²) built in December 1976, on 127.38 m² of freehold land. It is currently vacant, with handover scheduled for October 2026. ⚠️ Another listing of the same property states it is sold as-is (renovation required), with the seller exempt from contract non-conformity liability and from any obligation to repair equipment, so defects in the building or equipment are the buyer's responsibility. Access is via a 4.8 m-wide designated private road on the east; according to the plot plan, the site touches the dead end of this road along only its 2.30 m eastern edge (0.30 m above the 2 m minimum frontage requirement). The 2.5 m passage on the south belongs to the neighboring lot and is not part of the site. Utilities are individual propane gas, public water and public sewer.

The assessment covers the land only: the building is 49 years old and past the 22-year statutory useful life for wooden structures, so its assessed value is zero. We used ¥140,000/m², the most common 2026 route price on the block roads of Shinbori 1-chome (¥135,000/m² in 2024 and 2025), giving an assessed ratio of about 81.8% against the ¥21.8 million asking price. However, we could not identify which price band applies to the designated road serving the site. If it is the ¥135,000/m² band, the only lower band in the chome, the ratio would be about 78.9%, below 80% (about 93.5% at the ¥160,000/m² band).

⚠️ The treatment of the private road changes the assessment significantly. SUUMO only lists a "private road portion of 58.33 m²", but another listing of the same property describes a 1/3 co-ownership share of a 173.00 m² designated road (1/3 of 173.00 m² is about 57.7 m²), and the plot plan draws the site and the road as separate shapes, so we treated the share as a separate parcel and did not deduct it from the 127.38 m². If the 58.33 m² were included in the land area, the effective site would be 69.05 m² and the assessed ratio would fall to about 44.3%. The registered land area and the parcel of the road share should be confirmed with the agent. The only exterior photo, from the other listing, shows flat ground with no retaining wall or steps, but the north and west boundaries are not visible. Distances to nearby facilities are straight-line distances from the map position in the listing (measured with OpenStreetMap).

Estimated Financing

Assessed value ¥17,833,200 → estimated loan ¥17,830,000 (82% 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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