積算100
所沢市大字山口の中古戸建(イメージ)
Assessed 90.3%Detached houseTokorozawa, SaitamaShimo-Yamaguchi Sta. 13 min walk

[Assessed 90.3%] Detached house in Tokorozawa, Saitama — 13 min from Shimo-Yamaguchi Sta.

Published: Updated:

Property Overview

LocationTokorozawa, Saitama
Nearest StationSeibu Sayama Line Shimo-Yamaguchi Sta.
Walk13 min walk
Assessed Ratio90.3%Assessed 90.3%
Price¥32,800,000
TypeDetached house
StructureWooden
BuiltBuilt Jun 2023 (3 years old)
Land Area103.7㎡
Building Area108.48㎡

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¥32,800,000View listing

Assessed Value Breakdown

Land assessed value¥9,021,900
Building assessed value¥20,611,200
Total assessed value¥29,633,100
Asking price¥32,800,000
Assessed ratio90.3%

Calculation basis

  • Land = road price ¥87,000/m² × land area 103.7m²
  • Building = replacement cost ¥220,000/m² × floor area 108.48m² × remaining life 19y ÷ statutory life 22y
  • Built Jun 2023 (3 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.6%
YearRoad price (JPY/m²)YoY
202484,000—
202585,000+1.2%
202687,000+2.4%

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

How We Checked This Property

Because there are no on-site photos, we narrowed down the location from the lot plan and the listed facility distances, and checked it against the 2026 road price maps, Tokorozawa's assessment multiplier table, GSI elevation data and other sites listing the same property.

Locating the road price

Oaza Yamaguchi is a large district spanning 14 road price map sheets, where road-price areas and multiplier areas are mixed. Tokorozawa's 2026 assessment multiplier table assigns road prices to the urbanization promotion area of Yamaguchi and multipliers to the urbanization control area, and the road this property faces carries a road price on map sheet 34095, so we confirmed it is in a road-price area. For the representative value we counted the local streets around Yamaguchi Nursery School, where the property is (the northeast quarter of sheet 34095), and used the most common value, 87,000 yen/㎡ (3 sections, leasehold ratio D). The others are 90,000 and 91,000 yen/㎡ (2 sections each) and 83,000, 86,000 and 93,000 yen/㎡ (1 section each). Following the same streets over three years: 84,000 yen/㎡ in 2024, 85,000 yen/㎡ in 2025 and 87,000 yen/㎡ in 2026. The loop-shaped local street the property faces is 91,000 yen/㎡; using that gives an assessed ratio of about 91.6%, and the lowest nearby value, 83,000 yen/㎡, gives about 89.1%.

View source
Effective land area

There is no private road burden, and both the 4.5m road to the north and the 4.2m road to the east are public with no setback, so we used the land area of 103.7㎡ as is. The 1/20 share of the 3.02㎡ waste collection site is a co-owned share of a separate parcel, so we neither added nor deducted it.

Listing check

The address is published only down to the district. The map position on LIFULL HOME'S, which lists the same property, matches the listed distances of 60m to Yamaguchi Nursery School and 370m to Izumi Elementary School. Together with the lot plan showing a corner lot with a cut corner to the northeast, we judged the property to be at the northeast corner of the loop-shaped local street southeast of Yamaguchi Municipal Nursery School.

On-site check from photos

The 11 images on SUUMO are a floor plan, a lot plan and nearby facilities, the 22 images on LIFULL HOME'S are likewise a floor plan, a lot plan and nearby facilities, and the agent's own website has only the floor plan. The seller lives in the house, and no listing has photos of the exterior or the front road, so retaining walls, height difference from the front road, step-only access, whether the house is attached, and the exterior could not be judged from photos. The lot plan shows a regular corner lot facing roads on the north and east (with a cut corner to the northeast and parking for two cars side by side on the east), so it is not flag-shaped, and the building is drawn as detached. Measuring GSI 5m-mesh elevation at 10m intervals over a 60m square around the estimated location gave 72.0 to 72.9m, a flat area with less than 1m of height difference.

Building valuation assumptions

About 70% of the total assessment comes from the 3-year-old building, and the land alone is valued at about 9.02 million yen, around 27.5% of the price. Because the building's value declines with age, the assessed ratio will fall as the years pass.

What We Could Not Confirm

  • With no on-site photos, we have not been able to confirm whether there is a retaining wall or a height difference from the front road (including whether the lot can only be reached by steps). Elevation data for the surroundings is flat, but any step at the lot itself needs an on-site check or an inquiry to the agent.
  • The lot plan confirms that it is not a flag-shaped lot, but it has not been confirmed by photos that the house does not share a wall with a neighbouring building (the lot plan shows it as detached).
  • The condition of the exterior of the 2023 building (walls, roof, foundation, etc.) has not been confirmed because there are no photos.
  • The form of registration and the management arrangements for the 1/20 share of the 3.02㎡ waste collection site are not stated in the listing and need to be confirmed with the agent.

※ 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

Mammy Mart Tokorozawa Yamaguchi

Supermarket, 780m from the property according to the listing's surroundings section. We confirmed with the GSI reverse geocoder that its OpenStreetMap position is in Kotesashidai, Tokorozawa.

Source
Sugi Pharmacy Tokorozawa Yamaguchi

Drugstore, 850m from the property according to the listing's surroundings section. We confirmed with the GSI reverse geocoder that its OpenStreetMap position (next to Mammy Mart Tokorozawa Yamaguchi) is in Kotesashidai, Tokorozawa.

Source
Belc Yamaguchi

Supermarket, 1,300m from the property according to the listing's surroundings section. We confirmed with the GSI reverse geocoder that its OpenStreetMap position is in Oaza Yamaguchi, Tokorozawa.

Source

Neighborhood ② Dining Near the Station

Teuchi Udon Bunbuku

Handmade udon restaurant, about 320m in a straight line from the estimated location to its OpenStreetMap position. Confirmed with the GSI reverse geocoder to be in Oaza Yamaguchi, Tokorozawa.

Source
Fujiyoshi (藤よし)

Japanese restaurant, about 560m in a straight line from the estimated location to its OpenStreetMap position. Confirmed with the GSI reverse geocoder to be in Oaza Yamaguchi, Tokorozawa.

Source
Saigyokuken (彩玉軒)

Chinese restaurant, about 600m in a straight line from the estimated location to its OpenStreetMap position. Confirmed with the GSI reverse geocoder to be in Oaza Yamaguchi, Tokorozawa.

Source

About This Property

⚠️ None of the listings for this property include a single on-site photo (the listing images are only a floor plan, a lot plan and nearby facilities), so we have not been able to check for retaining walls, a height difference from the front road, whether the lot can only be reached by steps, whether the house is attached to a neighbouring building, or the condition of the exterior. The lot plan does confirm that it is not a flag-shaped lot. The thumbnail is an illustration made by this site. This is a pre-owned detached house in Oaza Yamaguchi, Tokorozawa, listed as a 13-minute walk from Shimo-Yamaguchi Station on the Seibu Sayama Line and a 16-minute walk from Nishi-Tokorozawa Station on the Seibu Ikebukuro Line. The address is published only down to the district (oaza), but from the lot plan and the listed facility distances (Yamaguchi Nursery School 60m, Izumi Elementary School 370m) we estimate it to be a corner lot on a local street southeast of Yamaguchi Municipal Nursery School.

The house is a two-storey wooden building completed in June 2023 (3 years old) with 108.48㎡ of floor area and a 4LDK layout. The LDK is 18 tatami or larger, and the house has a dishwasher, a bathroom dryer, a walk-in closet, a shoe-in closet, underfloor storage and two toilets, with parking for two cars (depending on size). The land is 103.7㎡, freehold and registered as residential land, a corner lot facing a 4.5m public road to the north and a 4.2m public road to the east. There is no private road burden or setback, and the property also includes a 1/20 share of a 3.02㎡ waste collection site. The zoning straddles Category 1 Medium-to-High-Rise Exclusive Residential and Category 1 Residential (building coverage 70%, floor area ratio 200%) within the urbanization promotion area. Restrictions are the Article 22 fire zone, the Natural Parks Act and the Landscape Act, with public water, public sewer and city gas. The price is 32.8 million yen; the seller currently lives in the house and the handover date is negotiable. The listing is for owner-occupiers and shows no yield.

Oaza Yamaguchi is a district where road-price areas and multiplier areas are mixed, but Tokorozawa's assessment multiplier table treats the urbanization promotion area as a road-price area, and the road this property faces also carries a road price. For the road price we used 87,000 yen/㎡ (leasehold ratio D), the most common value among local streets around the nursery school; it has risen about 3.6% over two years from 84,000 yen/㎡ in 2024. The assessed ratio is 90.3%, but about 70% of the assessment comes from the 3-year-old building, and the land alone is valued at about 27.5% of the price. Because the building's value declines with age, the assessed ratio will also fall as the years pass. The waste collection site share is a separate parcel and is not included in the assessment.

This is a 3-year-old house on a corner lot in a residential area 13 minutes on foot from the station, where the building accounts for most of the assessment. Since nothing could be confirmed from photos, retaining walls, height differences, whether it is attached, and the exterior condition need to be checked at a viewing or with the agent. Among the nearby places, the three shops use the distances in the listing's surroundings section, and the three restaurants use straight-line distances from the estimated location (the map position on LIFULL HOME'S, which lists the same property) to their OpenStreetMap positions; we confirmed that all of them are in Tokorozawa.

Estimated Financing

Assessed value ¥29,633,100 → estimated loan ¥29,630,000 (90% 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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