積算100
[Assessed 82.1%] Apartment building in Ageo, Saitama — 20 min from Okegawa Sta.
Assessed 82.1%Apartment buildingAgeo, SaitamaOkegawa Sta. 20 min walk

[Assessed 82.1%] Apartment building in Ageo, Saitama — 20 min from Okegawa Sta.

Published: Updated:

Property Overview

LocationAgeo, Saitama
Nearest StationJR Takasaki Line Okegawa Sta.
Walk20 min walk
Assessed Ratio82.1%Assessed 82.1%
Price¥35,000,000
TypeApartment building
Expected Yield9.08%
StructureLight steel frame
BuiltBuilt Jan 1986 (40 years old)
Land Area319.12㎡
Building Area212.64㎡

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.

Kenbiya¥35,000,000View listing

Assessed Value Breakdown

Land assessed value¥28,720,800
Building assessed value¥0
Total assessed value¥28,720,800
Asking price¥35,000,000
Assessed ratio82.1%

Calculation basis

  • Land = road price ¥90,000/m² × land area 319.12m²
  • Building = replacement cost ¥220,000/m² × floor area 212.64m² × remaining life 0y ÷ statutory life 22y
  • Built Jan 1986 (40 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +2.3%
YearRoad price (JPY/m²)YoY
202488,000—
202589,000+1.1%
202690,000+1.1%

※ 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 street number is not disclosed, we counted the block roads in Idoki 4-chome one by one on the 2026 road price map to see how the price bands split, and compared them with the road price stated in the listing, the single exterior photo and GSI elevation data.

Locating the road price

Counting the block roads in Idoki 4-chome on the 2026 road price map (sheet 38123), 90,000 yen/㎡ is the most common value with 12 sections, and we took it as representative (leasehold ratio D). Arterial roads and roads along the waterway were excluded. This band rose from 88,000 yen in 2024 to 89,000 yen in 2025. The distribution is split, however: 86,000–87,000 yen in the north (around blocks 4–12 and 33–37) and 90,000 yen in the south (around blocks 1–3 and 13–32). The listing's stated inheritance-tax road price of 85,000 yen/㎡ matches the northern band in 2024 and 2025 and does not fit the southern band (88,000 and 89,000 yen). A 20-minute walk to Okegawa Station is also consistent with the northern part, so if the site faces the northern 86,000-yen band the assessed ratio would be about 78.4%, or about 79.3% at 87,000 yen.

View source
Effective land area

The 319.12 ㎡ lot is regular in shape and faces a public road of about 4.0 m on the northeast, so no setback is needed. No private-road burden is stated, so no area was deducted in the assessment.

Building valuation assumptions

The building is a light-gauge steel structure built in January 1986 (by Sekisui House); the steel thickness is not stated in the listing. The statutory useful life category depends on the thickness, but at 40 years old the building exceeds the useful life in every category, so it is valued at zero.

On-site check from photos

The listing has one exterior photo taken facing southwest from the front road. At the front (northeast side) the concrete-block retaining edge shows three horizontal joints, about 0.6 m, or about 0.8 m including the base, and the site is entered by three or four steps (0.45–0.8 m in total). Both are under 1 m. The neighbouring lot to the northwest is a car park at road level, with a level difference of about 0.6 m and a fence on the boundary near the front. The neighbouring lot to the southeast appears to be at about the same height as the site. The building is a detached two-storey block, with no sign of a flag-shaped lot or attachment to neighbouring buildings. GSI elevation data also show only a gentle slope across the chome, with no cliff-like terrain.

What We Could Not Confirm

  • Because the street number is not disclosed, the road price of the road the site faces could not be identified. If the site is in the northern part of the chome (86,000–87,000 yen/㎡), the assessed ratio would be about 78.4–79.3%, lower than the 82.06% shown in this article.
  • There is only one exterior photo; the southwest (rear) boundary and the rear parts of the northwest and southeast boundaries are not visible, so the presence of retaining walls or level differences there has not been checked.
  • The front road width of about 4.0 m is taken from the listing; the frontage length has not been confirmed.
  • There are no interior photos, so the condition of the interior and equipment of this 40-year-old building has not been checked.

※ 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 Ageo Nakatsuma 5-chome

Convenience store (Ageo, on Sengen-dori). About 340 m in a straight line east-southeast of the centroid of Idoki 4-chome (OpenStreetMap).

Source
Lawson Ageo Idoki 2-chome

Convenience store (Ageo, on Akashiya-dori). About 610 m in a straight line north-northeast of the centroid of Idoki 4-chome (OpenStreetMap).

Source
7-Eleven

Convenience store (Ageo, on Sengen-dori). About 660 m in a straight line east-southeast of the centroid of Idoki 4-chome (OpenStreetMap).

Source

Neighborhood ② Dining Near the Station

Domino's Pizza

Pizza delivery and takeaway (Ageo, on the Ageo Ring Road). About 770 m in a straight line east-southeast of the centroid of Idoki 4-chome (OpenStreetMap).

Source
McDonald's

Hamburger restaurant (Ageo, on the Ageo Ring Road). About 900 m in a straight line east-southeast of the centroid of Idoki 4-chome (OpenStreetMap).

Source
Ramen Menrakuya

Ramen restaurant (Ageo, on the Ageo Ring Road). About 910 m in a straight line southeast of the centroid of Idoki 4-chome (OpenStreetMap).

Source

About This Property

This is a whole apartment building, Sun Heights Ageo, in Idoki 4-chome, Ageo, Saitama. The nearest station is Okegawa on the JR Takasaki Line, listed as a 20-minute walk. The street number is not disclosed. Nearby shops include FamilyMart Ageo Nakatsuma 5-chome (about 340 m), Lawson Ageo Idoki 2-chome (about 610 m) and Domino's Pizza (about 770 m). Distances are straight-line distances from the centroid of Idoki 4-chome, not from the property itself. Only shops confirmed on OpenStreetMap to be within Ageo are included.

The building is a two-storey light-gauge steel structure built in January 1986 (built by Sekisui House), with six 2DK units (35 ㎡ each) and a total floor area of 212.64 ㎡. Every unit has a separate bath and toilet, and there are three parking spaces. It is currently fully occupied, with a gross yield of 9.08% (annual rent of 3.18 million yen when full). The land is a regular-shaped 319.12 ㎡ freehold lot facing a public road (about 4.0 m) on the northeast. It is zoned Category 1 Low-rise Exclusive Residential with a 50% building coverage ratio and a 100% floor area ratio. The price is 35 million yen.

The assessment covers the land only. The building is 40 years old and past its statutory useful life, so it is valued at zero. For the 2026 road price we took 90,000 yen/㎡ (leasehold ratio D), the most common value among the block roads in Idoki 4-chome, which gives an assessed ratio of 82.06%. ⚠️ However, road prices in this chome split into two bands: 86,000–87,000 yen in the north and 90,000 yen in the south. The listing's stated inheritance-tax road price of 85,000 yen/㎡ matches the northern band's value in previous years, so the site most likely faces a road in the northern 86,000-yen band, in which case the assessed ratio would be about 78.4%.

The listing has only one exterior photo. At the front (northeast side) the site rises about 0.6 m (0.8 m at most) above the road behind a concrete-block retaining edge, and is entered by three or four steps; both are under 1 m. The southwest (rear) boundary and the rear parts of the northwest and southeast boundaries are not visible in the photo and have not been checked. The road price of the facing road and the rear boundaries need to be confirmed by obtaining the street number and inspecting the site.

Estimated Financing

Assessed value ¥28,720,800 → estimated loan ¥28,720,000 (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 apartment buildingsGood 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 apartment buildingsGood 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 apartment buildings
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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