積算100
[Assessed 104.3%] Detached house in Koshigaya, Saitama — 18 min from Koshigaya Sta.
Assessed 104.3%Detached houseKoshigaya, SaitamaKoshigaya Sta. 18 min walk

[Assessed 104.3%] Detached house in Koshigaya, Saitama — 18 min from Koshigaya Sta.

Published: Updated:

Property Overview

LocationKoshigaya, Saitama
Nearest StationTobu Isesaki Line (Tobu Skytree Line) Koshigaya Sta.
Walk18 min walk
Assessed Ratio104.3%Assessed 104.3%
Price¥16,100,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 1983 (42 years old)
Land Area129.19㎡
Building Area97.7㎡

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¥16,100,000View listing

Assessed Value Breakdown

Land assessed value¥16,794,700
Building assessed value¥0
Total assessed value¥16,794,700
Asking price¥16,100,000
Assessed ratio104.3%

Calculation basis

  • Land = road price ¥130,000/m² × land area 129.19m²
  • Building = replacement cost ¥220,000/m² × floor area 97.7m² × remaining life 0y ÷ statutory life 22y
  • Built Dec 1983 (42 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +8.3%
YearRoad price (JPY/m²)YoY
2024120,000—
2025125,000+4.2%
2026130,000+4.0%

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

How We Checked This Property

We counted the local streets of Higashi-Koshigaya 5-chome by price band on the 2026 road price map, and checked the road in front and the ground levels around the lot using the nine listing photos and GSI elevation data.

Locating the road price

On the 2026 road price map (map No. 39054), all local streets in Higashi-Koshigaya 5-chome have leasehold ratio D and range from 120,000 to 135,000 yen/㎡. The block streets running northeast–southwest are 130,000 yen/㎡, the northwest–southeast streets and some diagonal streets are 135,000 yen/㎡, cul-de-sacs and side lanes are 120,000–125,000 yen/㎡, and the road along the Motoarakawa River is 125,000 yen/㎡. Because the most common values, 130,000 and 135,000 yen/㎡, are nearly equal in number, we adopted the lower 130,000 yen/㎡ as the representative value. The same route went from 120,000 to 125,000 to 130,000 yen/㎡ over three years. The lot number is not disclosed, but the SUUMO map position is in the southwestern part of block 1, and since the lot faces a 7.2 m road on the southeast, we consider it to front a 130,000 or 135,000 yen/㎡ street. At 120,000 yen/㎡ the assessed ratio would be about 96.3%, at 125,000 yen/㎡ about 100.3%, and at 135,000 yen/㎡ about 108.3%.

View source
Effective land area

There is no private road burden and no mention of setback or sloped areas, so the listed registered lot area of 129.19 ㎡ is used as is.

Building valuation assumptions

The building is wooden, built in December 1983, and is 42 years old. Because it has exceeded the 22-year statutory useful life for wooden structures, it is valued at zero in the assessment even though it has been renovated.

On-site check from photos

We checked nine photos: the site including the road in front, the exterior, two of the entrance, four others (water heater remote, intercom, air conditioner) and one of the balcony. The road in front is paved with a white line on one side and is flat as far as can be seen. The block wall and parking area beside the road are at the same level, so the wall is not retaining soil. The step from the gate to the entrance porch is only a few steps, and no retaining wall, cut slope or high foundation is visible. The house is separated from both neighbors by gaps and downpipes; to the left is a separate building with an external staircase and to the right another house, with no sign of a row house or a flag-shaped lot. On the other hand, the boundaries with the neighbors at the rear (northwest), northeast and southwest do not appear in any photo.

Other checks

Measuring five points around the lot with GSI elevation data (5 m mesh) gave about 4.8–5.5 m, a flat area on the lowland along the Motoarakawa River. There is no relief suggesting a 1 m-class step, but this does not directly show the condition of the neighbor boundaries that are not in the photos.

What We Could Not Confirm

  • The boundaries with the neighbors at the rear (northwest), northeast and southwest do not appear in the listing photos, so the difference in ground level and whether there is a retaining wall have not been confirmed. Elevation data shows the surroundings are flat, but an on-site check is needed.
  • The lot number is not disclosed. The road price for the road in front is estimated from the SUUMO map position and the direction the lot faces as a 130,000 or 135,000 yen/㎡ street; cul-de-sacs and side lanes in the town are 120,000–125,000 yen/㎡.

※ 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

Drug Seims Koshigaya Osawa

Drugstore. 670 m from the property according to the listing (SUUMO). Confirmed on OpenStreetMap in Osawa 4-chome, Koshigaya.

Source
Kasumi

Supermarket. Confirmed on OpenStreetMap about 510 m in a straight line from the SUUMO map position (in Higashi-Koshigaya 3-chome, Koshigaya).

Source
Ministop

Convenience store. Confirmed on OpenStreetMap about 660 m in a straight line from the SUUMO map position (in Higashi-Koshigaya 3-chome, Koshigaya).

Source

Neighborhood ② Dining Near the Station

McDonald's

Hamburger fast-food restaurant. Confirmed on OpenStreetMap about 570 m in a straight line from the SUUMO map position (in Higashi-Koshigaya 3-chome, Koshigaya).

Source
Ramen-ya Ippo

Ramen shop. Confirmed on OpenStreetMap about 650 m in a straight line from the SUUMO map position (in Higashi-Koshigaya 3-chome, Koshigaya).

Source
Fujiyoshi

Restaurant. Confirmed on OpenStreetMap about 550 m in a straight line from the SUUMO map position (in Koshigaya 2-chome, Koshigaya).

Source

About This Property

A pre-owned detached house in Higashi-Koshigaya 5-chome, Koshigaya, an 18-minute walk from Koshigaya Station and a 22-minute walk from Kita-Koshigaya Station on the Tobu Isesaki Line (Tobu Skytree Line). There is also a bus route: 21 minutes by bus from Minami-Koshigaya Station on the JR Musashino Line to the Koshigaya City Library stop, then a 7-minute walk. The area is a flat residential district on the lowland along the Motoarakawa River, and the listing itself describes the site as flat with a flat walk to the station. The house is a two-story wooden 4LDK built in December 1983, with a registered floor area of 97.7 ㎡ on a registered lot of 129.19 ㎡. It is freehold with no private road burden, and the listing says it has been renovated and is available for immediate handover. It is not an income property, so no yield is listed.

The lot faces a 7.2 m wide road on the southeast, which the listing describes as having a maintained sidewalk. It is in a Category 1 medium-to-high-rise exclusive residential zone (60% building coverage, 200% floor area ratio), and the only other restriction listed is regulation under the Landscape Act. Public water, public sewer and individual LPG; there is no parking space. In the listing photos the road in front is flat as far as can be seen, and the step from the gate to the entrance porch is only a few steps. No retaining wall or high foundation is visible, and the house stands apart from both neighbors as a detached building, not a row house. ⚠️ However, the boundaries with the neighbors at the rear (northwest), northeast and southwest do not appear in any photo, so the difference in ground level with those neighbors and whether there is a retaining wall have not been confirmed. Elevation data from the Geospatial Information Authority of Japan (GSI) shows the surroundings at about 4.8–5.5 m and flat, but this is only supporting evidence.

The land is valued at the 2026 road price of 130,000 yen/㎡ (leasehold ratio D). The local streets in Higashi-Koshigaya 5-chome range from 120,000 to 135,000 yen/㎡, and because streets at 130,000 and 135,000 yen/㎡ are nearly equal in number, we adopted the lower 130,000 yen/㎡. The same route rose from 120,000 to 125,000 to 130,000 yen/㎡ over three years. The building is 42 years old and has exceeded the 22-year statutory useful life for wooden structures, so it is valued at zero. The assessed ratio is about 104.3%; at 120,000 yen/㎡ it would be about 96.3%, at 125,000 yen/㎡ about 100.3%, and at 135,000 yen/㎡ about 108.3%.

The price of 16.1 million yen is below the total road-price value of the land (130,000 yen/㎡ × 129.19 ㎡ = about 16.79 million yen). As facts, the building is a 42-year-old wooden house, there is no parking space on the lot, and the nearest station, Koshigaya, is an 18-minute walk away. Road prices are values used for inheritance tax assessment and do not match actual transaction prices. Among the nearby places, the distance for Drug Seims Koshigaya Osawa is the distance from the property shown on the listing site (SUUMO); the distances for the other shops are straight-line distances on OpenStreetMap from the map position shown on SUUMO.

Estimated Financing

Assessed value ¥16,794,700 → estimated loan ¥16,100,000 (100% 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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