積算100
[Assessed 84.7%] Detached house in Ageo, Saitama — 20 min from Higashi-Omiya Sta.
Assessed 84.7%Detached houseAgeo, SaitamaHigashi-Omiya Sta. 20 min walk

[Assessed 84.7%] Detached house in Ageo, Saitama — 20 min from Higashi-Omiya Sta.

Published: Updated:

Property Overview

LocationAgeo, Saitama
Nearest StationJR Utsunomiya Line Higashi-Omiya Sta.
Walk20 min walk
Assessed Ratio84.7%Assessed 84.7%
Price¥39,800,000
TypeDetached house
StructureWooden
BuiltBuilt Nov 2026 (0 years old)
Land Area132.3㎡
Building Area104.33㎡

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¥39,800,000View listing

Assessed Value Breakdown

Land assessed value¥10,742,760
Building assessed value¥22,952,600
Total assessed value¥33,695,360
Asking price¥39,800,000
Assessed ratio84.7%

Calculation basis

  • Land assessed value was entered manually by the operator.
  • Building = replacement cost ¥220,000/m² × floor area 104.33m² × remaining life 22y ÷ statutory life 22y
  • Built Nov 2026 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.8%
YearRoad price (JPY/m²)YoY
202479,000—
202580,000+1.3%
202682,000+2.5%

※ 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 listing for Oaza Haraichi gives no lot number, we narrowed the area using the listed distances to nearby facilities, read the 2026 road price maps for that area, and checked the road access and ground levels with ten on-site photos of the construction and elevation data.

Listing check

The listing gives no lot number, and Oaza Haraichi is a wide area spread over 17 road price map sheets. We overlaid the listed distances (Haraichi-minami Nursery 330 m, Haraichi-minami Elementary School 550 m, Higashi-Omiya Station 1,600 m, and 20-minute walks to Haraichi and Yoshinohara stations), requiring the straight-line distance from each facility not to exceed the listed distance, and narrowed the area to the east side of the Saitama–Shobu prefectural road (lower left of map 38182, upper left of 38191, upper right of 38190). This is an estimate of an area, not an identification of the lot number.

Locating the road price

On the 2026 road price maps, the local streets in the estimated area were: 82,000 and 83,000 yen/㎡ five each, 87,000 yen/㎡ four, 84,000, 85,000 and 88,000 yen/㎡ two each, and 79,000 and 76,000 yen/㎡ one each (excluding 93,000 yen/㎡ on the prefectural road). The most common values, 82,000 and 83,000, were tied, so we adopted the lower 82,000 yen/㎡ as the representative value. On map 38182 the same route went from 79,000 to 80,000 to 82,000 yen/㎡ over three years. If the area is narrowed further, streets at 87,000 yen/㎡ dominate and the assessed ratio would be about 86.3%; at the lowest value in the area, 76,000 yen/㎡, about 82.7%. A street at 63,000 yen/㎡ west of the prefectural road, near the boundary with the multiplier-method area and treated as outside the estimated area, would give about 78.3%. The listing is in the urbanization promotion area, and the estimated area lies within the zone covered by road prices.

View source
Rights and restrictions

Because the registered land category is farmland (field), the land is valued as comparable to residential land, deducting only the land-leveling cost of 800 yen/㎡ from Saitama Prefecture's 2026 table of residential land preparation costs, for a unit price of 81,200 yen/㎡. The photos show gravel with no trees and the lot at road level, so tree clearing, fill and earth-retaining costs were not deducted, and because it is a field rather than a wet paddy, no ground improvement cost was deducted either. As the site is already prepared and under construction, without the leveling deduction the ratio would be about 84.9%.

Effective land area

The 79 ㎡ private road burden is listed as a 1/4 co-ownership share, so we regard it as a separate parcel and did not deduct it from the listed surveyed lot area of 132.3 ㎡. The floor area of 104.33 ㎡ fits within 132.3 ㎡ × 80% floor area ratio = 105.84 ㎡; if the 132.3 ㎡ included the road share, the remaining lot would exceed the floor area ratio, which is consistent with this reading.

On-site check from photos

We checked all ten on-site photos taken during construction. The private road in front (northeast) is an unpaved gravel road about 4 m wide, and the lot, the private road and the neighboring lots are at almost the same ground level, with no step to the paved public road at the entrance of the private road. The neighbor across the private road has a boundary wall of about three block courses plus a fence, but the base of the wall and the gravel are at the same level, so it does not retain soil. The two houses stand side by side along the private road as separate buildings; this is not a flag-shaped lot or a row house. No photo shows the southwest (rear) boundary head-on, but flat gravel can be seen continuing to the back between the buildings. GSI elevation data also shows the surroundings of the estimated position at about 13.7–14.4 m, flat.

What We Could Not Confirm

  • The registered land category is farmland (field), and the listing says nothing about a farmland conversion notification. The site is prepared and under construction, but whether a notification is required and its status need to be confirmed with the agent.
  • The listing does not state the type of the 4 m unpaved private road on the northeast that provides access, such as whether it is a designated road.
  • The lot number is not listed, and the road price is the value for an area estimated from distances to nearby facilities. Outside that area there is also a street at 63,000 yen/㎡; using that value, the assessed ratio would be about 78.3%.
  • No photo shows the southwest (rear) neighbor boundary head-on; we judged it flat from what is visible between the buildings.
  • The property is listed on Kenbiya in the detached rental house category, but the yield and expected rent have not been set, so the rental income and expenses cannot be determined from the listing.

※ 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

7-Eleven

Convenience store. Confirmed on OpenStreetMap in Oaza Haraichi, Ageo. About 170 m in a straight line from the center of the estimated area.

Source
Welcia Ageo Haraichi

Drugstore. Confirmed on OpenStreetMap in Oaza Haraichi, Ageo. About 410 m in a straight line from the center of the estimated area.

Source
Gyomu Super Ageo Haraichi

Supermarket. Confirmed on OpenStreetMap in Oaza Haraichi, Ageo. About 790 m in a straight line from the center of the estimated area.

Source

Neighborhood ② Dining Near the Station

Eiraiken

Chinese restaurant. Confirmed on OpenStreetMap in Oaza Haraichi, Ageo. About 180 m in a straight line from the center of the estimated area.

Source
Sushi Sei

Sushi restaurant. Confirmed on OpenStreetMap in Oaza Haraichi, Ageo. About 180 m in a straight line from the center of the estimated area.

Source
Yoshinoya

Beef bowl fast-food restaurant. Confirmed on OpenStreetMap in Oaza Haraichi, Ageo. About 450 m in a straight line from the center of the estimated area.

Source

About This Property

A newly built detached house in Oaza Haraichi, Ageo, one of two units in a small development (named "Ageo Haraichi No. 9"). It is a 20-minute walk (1,600 m) from Higashi-Omiya Station on the JR Utsunomiya Line (Tohoku Main Line), and also a 20-minute walk from both Yoshinohara and Haraichi stations on the New Shuttle. Oaza Haraichi covers a wide area and the listing does not give a lot number, so we estimated the area where the property lies from the listed distances to nearby facilities (east of the Saitama–Shobu prefectural road). It is a two-story wooden 4LDK with a floor area of 104.33 ㎡ on a surveyed lot of 132.3 ㎡. The house is scheduled for completion in November 2026 and is still under construction, with handover planned for late November 2026. Building confirmation has been obtained, and the land is not sold with a building condition.

Freehold, in a Category 1 low-rise exclusive residential zone (50% building coverage, 80% floor area ratio) within the urbanization promotion area. Public water, sewer and propane gas, with a parking space. Access is from a 4 m wide private road (unpaved gravel) on the northeast; the listing does not state the road type, such as whether it is a designated road. The private road burden of 79 ㎡ (a 1/4 co-ownership share) is regarded as a separate parcel from the lot area, so no area is deducted in the valuation. On Kenbiya the property is listed in the detached rental house category, but the yield and expected rent have not been set. The listing is handled by Sun City Home Omiya Head Office (brokerage), and the neighboring unit is listed at 44.8 million yen (land 131.71 ㎡, building 101.84 ㎡).

⚠️ The registered land category is farmland (field). The site has already been prepared and the house is under construction, but the listing says nothing about a farmland conversion notification, so whether one is required and its status need to be confirmed with the agent. In the valuation the land is assessed as comparable to residential land, deducting a land-leveling cost of 800 yen/㎡ from the road price, based on Saitama Prefecture's table of residential land preparation costs. Because the site is already prepared, even the leveling cost may be unnecessary; without that deduction the assessed ratio would be about 84.9%. In the ten listing photos, the lot, the private road and the neighboring lots are at almost the same level, with no retaining wall, step at the road or stairs, and the two houses stand as separate buildings.

The land is valued at the 2026 road price of 82,000 yen/㎡ (leasehold ratio D). The local streets in the estimated area range from 76,000 to 88,000 yen/㎡; the most common values, 82,000 and 83,000 yen/㎡, were tied, so we adopted the lower 82,000 yen/㎡. The same route rose from 79,000 to 80,000 to 82,000 yen/㎡ over three years. The building is valued as a new wooden house, and the assessed ratio is about 84.7%. At the lowest value in the area, 76,000 yen/㎡, it would be about 82.7%, and at 87,000 yen/㎡, which is common when the area is narrowed further, about 86.3%. Outside the estimated area, a street at 63,000 yen/㎡ west of the prefectural road would give about 78.3%. Because the lot number is not disclosed, distances to nearby places are straight-line distances on OpenStreetMap from the center of the estimated area.

Estimated Financing

Assessed value ¥33,695,360 → estimated loan ¥33,690,000 (85% 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.

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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