積算100
[Assessed 83.3%] Detached house in Tokorozawa, Saitama — 10 min from Sayamagaoka Sta.
Assessed 83.3%Detached houseTokorozawa, SaitamaSayamagaoka Sta. 10 min walk

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

Published: Updated:

Property Overview

LocationTokorozawa, Saitama
Nearest StationSeibu Ikebukuro Line Sayamagaoka Sta.
Walk10 min walk
Assessed Ratio83.3%Assessed 83.3%
Price¥34,900,000
TypeDetached house
StructureWooden
BuiltBuilt Feb 2017 (9 years old)
Land Area122.97㎡
Building Area96.05㎡

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¥34,900,000View listing

Assessed Value Breakdown

Land assessed value¥16,600,950
Building assessed value¥12,486,500
Total assessed value¥29,087,450
Asking price¥34,900,000
Assessed ratio83.3%

Calculation basis

  • Land = road price ¥135,000/m² × land area 122.97m²
  • Building = replacement cost ¥220,000/m² × floor area 96.05m² × remaining life 13y ÷ statutory life 22y
  • Built Feb 2017 (9 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.8%
YearRoad price (JPY/m²)YoY
2024130,000—
2025135,000+3.8%
2026135,000±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

Because the SUUMO listing has no exterior photos, we checked photos from another agent listing the same house, the 2026 route price maps and the lot plan to confirm the height differences around the site and how the agreement road share should be treated.

Locating the road price

Higashi-Sayamagaoka 1-chome spans five route price map sheets. Counting the local streets within the 1-chome on the 2026 maps, 135,000 yen/m² (leasehold ratio D) was the most common at about 29 sections, followed by 130,000 and 140,000 yen/m², so we used 135,000 yen/m². We did not use the station-front commercial values or the 14 m road on the northeast, which are of a different character. Following the same street over three years: 130,000 yen/m² in 2024 and 135,000 yen/m² in 2025 and 2026. Using 130,000 yen/m², the band that appears to apply to the western road, gives an assessed ratio of about 81.6%.

View source
Effective land area

The listing's other restrictions mention "agreement road share 22.85 m² (1/1)" and "refuse area share 2.10 m² (1/9)". On the lot plan the agreement road is drawn as a separate shape from the site, and most listings including SUUMO show no private road burden, so we treat it as a separate parcel and do not deduct it from the 122.97 m². However, one agent lists 22.85 m² as a private road burden. If it were included in the land area, the effective land would be 100.12 m² and the assessed ratio would fall from about 83.3% to about 74.5%.

Building valuation assumptions

The building is a two-storey wooden house completed in February 2017 (96.05 m²). Against the 22-year statutory useful life for wooden buildings it is 9 full years old, so 13 remaining years are valued. The listing states that the kitchen, walls, floors and water heater were renovated in May 2026.

On-site check from photos

Because the SUUMO listing has no exterior photos, we opened five photos (exterior, parking, garden and the agreement road entrance) from another agent's listing of the same house, after confirming that the price, land and floor areas and completion date match. On the northeast public road side there are about two courses of block with a fence; the retained height at the north boundary of the parking area is about 0.6 m, and 0.7 m or less on the garden side, all under 1 m. The agreement road is level with the parking area, and there is no step at its entrance from the 6 m public road. The house is detached, and the lot is not reached by stairs, not flag-shaped and not a row house.

What We Could Not Confirm

  • The listings do not state whether the 22.85 m² agreement road share is included in the 122.97 m² land area, and they disagree on the private road burden. If it is included, the assessed ratio would be about 74.5%, so the composition of the registered parcels should be confirmed with the agent.
  • The 14 m public road on the northeast is fenced, so vehicles enter from the 4.0 m agreement road on the west. The terms of the agreement (passage and maintenance) are not given in the listing.
  • The southwest boundary does not appear in the photos, so the height difference there has not been confirmed.
  • The address is disclosed only to the 1-chome level, and the lot number is unknown. The location was estimated from the lot plan, the road frontage and the listing map pin, and the route price is applied on that basis.

※ 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 Higashi-Sayamagaoka 1-chome

Convenience store. About 280 m from the property according to the SUUMO listing.

Source
Ozam Higashi-Sayamagaoka

Supermarket. About 495 m from the property according to the SUUMO listing.

Source
Big-A Tokorozawa Sayamagaoka

Discount supermarket. About 900 m from the property according to the SUUMO listing.

Source

Neighborhood ② Dining Near the Station

Hotto Motto

Takeaway bento shop. About 100 m in a straight line from the SUUMO map pin to its OpenStreetMap location, confirmed to be in Higashi-Sayamagaoka 1-chome, Tokorozawa with the GSI reverse geocoder.

Source
Saizeriya

Italian family restaurant. About 380 m in a straight line from the SUUMO map pin to its OpenStreetMap location, confirmed to be in Wakasa 4-chome, Tokorozawa with the GSI reverse geocoder.

Source
Daishin

Chinese restaurant. About 390 m in a straight line from the SUUMO map pin to its OpenStreetMap location, confirmed to be in Sayamagaoka 1-chome, Tokorozawa with the GSI reverse geocoder.

Source

About This Property

This is a pre-owned detached house in Higashi-Sayamagaoka 1-chome, Tokorozawa. The listing gives a 10-minute walk (about 800 m) from Sayamagaoka Station on the Seibu Ikebukuro Line and a 12-minute walk from Musashi-Fujisawa Station. It is part of a developed subdivision in a quasi-residential zone (building coverage 60%, floor area ratio 200%). According to the listing, a FamilyMart is about 280 m away, the Ozam supermarket about 495 m, and Tokorozawa Municipal Miyamae Elementary School about 805 m. The address is disclosed only down to the 1-chome level.

The house is a two-storey wooden building completed in February 2017, 4LDK (16-tatami LDK) with a total floor area of 96.05 m², on a five-sided freehold plot of 122.97 m² (both by registry). It is vacant, and the kitchen, walls, floors and water heater were renovated in May 2026. There is parking for one car. The plot has road frontage on two sides: it faces a 14 m public road on the northeast, but a fence prevents vehicle access there; cars instead use a 4.0 m agreement road on the west to reach a 6 m public road. Utilities are public water, public sewer and city gas. The price is 34.9 million yen.

The valuation covers the 122.97 m² of land and the building. We used 135,000 yen/m² (leasehold ratio D), the most common value on the local streets within the 1-chome. It rose from 130,000 yen/m² in 2024 to 135,000 yen/m² in 2025 and was unchanged in 2026. The building is 9 years old against a statutory useful life of 22 years for wooden buildings, so 13 remaining years are valued. The assessed ratio is about 83.3%. ⚠️ The listings do not say whether the 22.85 m² share of the agreement road (share 1/1) is included in the 122.97 m² land area. On the lot plan the road is drawn as a separate shape from the site, and most listings show no private road burden, so we treat it as a separate parcel and do not deduct it; however, one agent lists 22.85 m² as a private road burden. If it were included, the effective land would be 100.12 m² and the assessed ratio about 74.5%.

This is a 9-year-old house in a subdivision 10 minutes on foot from the station. Because the assessed ratio changes significantly depending on how the agreement road share is treated, whether the 122.97 m² includes that share (i.e., how the registered parcels are composed) should be confirmed with the agent.

Estimated Financing

Assessed value ¥29,087,450 → estimated loan ¥29,080,000 (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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