積算100
[Assessed 82.6%] Detached house in Soka, Saitama — 18 min from Yatsuka Sta.
Assessed 82.6%Detached houseSoka, SaitamaYatsuka Sta. 18 min walk

[Assessed 82.6%] Detached house in Soka, Saitama — 18 min from Yatsuka Sta.

Published: Updated:

Property Overview

LocationSoka, Saitama
Nearest StationTobu Isesaki Line Yatsuka Sta.
Walk18 min walk
Assessed Ratio82.6%Assessed 82.6%
Price¥39,800,000
TypeDetached house
StructureWooden
BuiltBuilt Jul 2019 (7 years old)
Land Area153.15㎡
Building Area101.84㎡

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¥39,800,000View listing

Assessed Value Breakdown

Land assessed value¥17,612,250
Building assessed value¥15,276,000
Total assessed value¥32,888,250
Asking price¥39,800,000
Assessed ratio82.6%

Calculation basis

  • Land = road price ¥115,000/m² × land area 153.15m²
  • Building = replacement cost ¥220,000/m² × floor area 101.84m² × remaining life 15y ÷ statutory life 22y
  • Built Jul 2019 (7 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +9.5%
YearRoad price (JPY/m²)YoY
2024105,000—
2025110,000+4.8%
2026115,000+4.5%

※ 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 site drawing in athome's floor plan and four photos, and counted the route prices of the local roads in Sezaki 6-chome on three sheets of the FY2026 route price maps. We also used the photos to check whether this is a flag-shaped lot and how high the neighboring boundaries are.

Locating the road price

Counting the local roads of Sezaki 6-chome on the FY2026 route price maps (sheets 28270, 28271 and 28265), most were 115,000 yen/m²; the only exceptions were around the gymnasium and park at the east end (100,000 and 105,000 yen/m²) and the gymnasium avenue on the 7-chome border (125,000 yen/m²). We took the most common value, 115,000 yen/m²; the same block was 105,000 yen/m² in 2024 and 110,000 yen/m² in 2025.

View source
Effective land area

An earlier stage of the review raised the possibility of a flag-shaped lot, but the site drawing in the floor plan shows a rectangle of about 16.0 m × 9.5 m, or about 152 m², matching the listed 153.15 m². The gray area on the north is labeled "public road, about 4.0 m" and extends beyond the lot's east edge, so we judged it is not part of the lot and made no area deduction.

On-site check from photos

We reviewed four photos on athome (floor plan, exterior, parking and terrace). The parking area is a flat concrete slab with a step of about 10 cm from the road, and the east boundary is a mesh fence on four courses of blocks (about 0.8 m). The base of the neighbor's plants appears level with the top of the blocks, so the neighboring ground may be higher. No retaining walls, stepped access or slopes are visible, and the house stands apart from its neighbors as a detached building.

Rights and restrictions

The lot faces a 4.0 m public road on the north with 4.0 m of frontage, and the site drawing shows its northeast corner touching the dead-end part of the road. In the photos, the two parking spaces fit in tandem on the east side of the lot.

What We Could Not Confirm

  • We read the site drawing's dimensions as a rectangular lot, but if there were a pole-shaped strip on the road side to deduct from the effective site area, the assessed ratio would fall below 80% once the deduction exceeded about 9.1 m². The lot's shape should be confirmed with a surveyed land plan or similar document.
  • The dead-end part the lot faces may not have its own route price. Applying the nearby 110,000 yen/m² would give an assessed ratio of about 80.7%, and 105,000 yen/m² about 78.8%.
  • From the photos we cannot tell for certain whether the block wall on the east boundary (four courses, about 0.8 m) retains the neighbor's soil, or how large the height difference is if it does.
  • On the west boundary, only part of a low block wall is visible at the back of the exterior photo; its full length has not been checked.
  • No lot number is given; the location is estimated from the listing's nearby-facilities section (160 m to Sezaki Hikawa Park).

※ 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

Lawson Soka Sezaki 4-chome

Convenience store at 4-19-10 Sezaki, Soka; GSI reverse geocoding also places its OpenStreetMap position in Sezaki 4-chome. About 480 m in a straight line from the centroid of Sezaki 6-chome.

Source
FamilyMart Soka Sezaki 2-chome

Convenience store. Its OpenStreetMap position was confirmed to be in Sezaki 2-chome, Soka by GSI reverse geocoding. About 540 m in a straight line from the centroid of Sezaki 6-chome.

Source
Inageya Soka Sezaki

Supermarket at 2-5-22 Sezaki, Soka; GSI reverse geocoding also places its OpenStreetMap position in Sezaki 2-chome. Listed on athome as about 1,400 m away (18-minute walk).

Source

Neighborhood ② Dining Near the Station

Chojuan

Soba restaurant. Its OpenStreetMap position was confirmed to be in Sezaki 3-chome, Soka by GSI reverse geocoding. About 660 m in a straight line from the centroid of Sezaki 6-chome.

Source
Uematsu

Chinese restaurant. Its OpenStreetMap position was confirmed to be in Sezaki 3-chome, Soka by GSI reverse geocoding. About 840 m in a straight line from the centroid of Sezaki 6-chome.

Source
Ramen Buta no Joe

Ramen shop. Its OpenStreetMap position was confirmed to be in Sezaki 3-chome, Soka by GSI reverse geocoding. About 930 m in a straight line from the centroid of Sezaki 6-chome.

Source

About This Property

This is a pre-owned detached house in Sezaki 6-chome, Soka, an 18-minute walk from Yatsuka Station on the Tobu Isesaki Line. It lies in a Category 1 residential zone (building coverage 60%, floor area ratio 160%). According to the listing's nearby-facilities section, Sezaki Hikawa Park is 160 m away and Inageya Soka Sezaki supermarket about 1,400 m. Public water, sewerage and city gas are available.

The house is a two-story wooden 4LDK built in July 2019, with 101.84 m² of floor area on 153.15 m² of freehold land by registry (no private-road burden), priced at 39.8 million yen. The LDK is about 16 tatami mats, the 7.5-mat main bedroom has a walk-in closet, and every room has storage. There is parking for two cars (depending on size), and the seller has finished the terrace, about 2.8 m deep, in concrete. The house is currently vacant, with handover timing negotiable. It faces a 4.0 m public road on the north with 4.0 m of frontage; the site plan shows the lot's northeast corner touching the dead-end part of that road.

For the assessment, we took 115,000 yen/m², the most common FY2026 (Reiwa 8) route price on the local roads of Sezaki 6-chome. The land's assessed value is about 17.61 million yen and the building's about 15.28 million yen, for an assessed ratio of about 82.6% of the price. The route price has risen every year, from 105,000 yen/m² in 2024 and 110,000 yen/m² in 2025. Based on the dimensions in the floor plan's site drawing, we judged that this is not a flag-shaped lot and made no area deduction. ⚠️ The dead-end part the lot faces may not have its own route price; applying the nearby 110,000 yen/m² would give about 80.7%, and 105,000 yen/m² about 78.8%.

Photos show the parking area as a flat concrete slab with a step of about 10 cm from the road, no retaining walls or stepped access, and a detached house standing apart from its neighbors. ⚠️ The east boundary is a mesh fence on four courses of concrete blocks (about 0.8 m), and the neighboring ground may be higher and retained by this wall. In summary, this is a 7-year-old wooden 4LDK whose assessed ratio moves by a few points depending on which route price is applied. The main points to confirm are how the dead-end road is valued and the condition of the east and west boundaries.

Estimated Financing

Assessed value ¥32,888,250 → estimated loan ¥32,880,000 (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.

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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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