積算100
狭山市上奥富の戸建(現地写真なしのため自作サムネイル)
Assessed 80.3%Detached houseSayama, SaitamaShin-Sayama Sta. 10 min walk

[Assessed 80.3%] Detached house in Sayama, Saitama — 10 min from Shin-Sayama Sta.

Published: Updated:

Property Overview

LocationSayama, Saitama
Nearest StationSeibu Shinjuku Line Shin-Sayama Sta.
Walk10 min walk
Assessed Ratio80.3%Assessed 80.3%
Price¥4,800,000
TypeDetached house
Expected Yield12.5%
StructureWooden
BuiltBuilt Jul 1972 (54 years old)
Land Area47.56㎡
Building Area44.05㎡

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.

Rakumachi¥4,800,000View listing

Assessed Value Breakdown

Land assessed value¥3,852,360
Building assessed value¥0
Total assessed value¥3,852,360
Asking price¥4,800,000
Assessed ratio80.3%

Calculation basis

  • Land = road price ¥81,000/m² × land area 47.56m²
  • Building = replacement cost ¥220,000/m² × floor area 44.05m² × remaining life 0y ÷ statutory life 22y
  • Built Jul 1972 (54 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +5.2%
YearRoad price (JPY/m²)YoY
202477,000—
202579,000+2.6%
202681,000+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 has no on-site photos, we checked the valuation basis against the 2026 valuation multiplier table and three sheets of the road price map, and supplemented the local terrain with GSI elevation data and aerial photos. Points we could not confirm without photos are listed below.

Locating the road price

Kamiokutomi is an area where road-price zones and multiplier zones are mixed. The 2026 valuation multiplier table treats the urbanization promotion area of Kamiokutomi as a road-price zone, and the listing places the property in the urbanization promotion area, so we used road prices. Counting the local street values of Kamiokutomi on the road price map (sheets 34331, 34322 and 34330), 81,000 yen/m² was the most common, and we used it as the representative value. The private road the lot faces has no road price, and the road it leads to is 83,000 yen/m². The representative route went from 77,000 yen/m² in 2024 to 79,000 yen/m² in 2025 and 81,000 yen/m² in 2026. Using 83,000 yen/m² gives 82.2%, and 79,000 yen/m² gives 78.3%.

View source
Effective land area

We used the listed land area of 47.56 m² (registered) as is. The private road is 4.00 m wide, so no setback is required. The private road burden field is blank, and the listing does not show whether a share of the private road is included in the land area. If it is, the effective area shrinks, giving 79.9% with about 0.2 m² and 78.6% with 1 m².

On-site check from photos

The only image in the Rakumachi and Kenbiya listings is the same single floor plan, with no on-site photos. We could not find listings for the same property on SUUMO or athome. Instead, we measured GSI elevation data at the address point and at points 25 to 50 m around it; the height difference was at most 0.3 m, with no large steps. Aerial photos show a block of small detached houses lined up along private roads, but we could not identify the specific lot or tell whether the roofs are continuous (a row house). Elevation data is not a substitute for photos.

Rights and restrictions

With an 80% floor area ratio in a Category 1 Low-Rise Exclusive Residential zone, a building on 47.56 m² of land can have up to 38.05 m² of floor area. The listed 44.05 m² exceeds this by about 6 m², and the listing does not show whether it is legally nonconforming under the standards at the time of construction or the result of an addition or similar. A rebuild may have to be smaller than the current building.

What We Could Not Confirm

  • There are no on-site photos, so we have not confirmed whether there are retaining walls or a step between the lot and the front road (the private road on the east). Elevation data shows small height differences in the area, but whether there are retaining structures at the lot boundaries needs an on-site check or an inquiry with the agent.
  • We have not confirmed whether it is a flag-shaped lot or whether it is a row house (nagaya). The floor plan does not show whether walls are shared with neighbors, and as the block consists of small lots, the possibility of a row house remains.
  • We have not seen the condition of the building exterior. It was built in July 1972, the owner currently lives there, and handover is negotiable. The expected annual income of 600,000 yen is an estimate, not an actual rental result.
  • The private road burden field is blank, and there is no information on whether there is a share in the private road or its size, consent for passage and excavation, or the road type (whether it is a designated road). If a share is included in the 47.56 m² of land, the assessed ratio falls: 79.9% with about 0.2 m² and 78.6% with 1 m².
  • The floor area of 44.05 m² exceeds the 38.05 m² allowed by the 80% floor area ratio, so the building may exceed the limit. Whether it is legally nonconforming, how large a rebuild could be, and the effect on financing need to be confirmed.

※ 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

Gyomu Super

A supermarket in Kamiokutomi, the same area as the property, about 410 m in a straight line from the address point.

Source
FamilyMart

A convenience store in Shin-Sayama 2-chome, about 400 m in a straight line from the address point.

Source
Inageya

A supermarket in Shin-Sayama 2-chome, about 640 m in a straight line from the address point.

Source

Neighborhood ② Dining Near the Station

Hama-Sushi

A conveyor-belt sushi restaurant in Shin-Sayama 2-chome, about 140 m in a straight line from the address point.

Source
Sukiya (Route 16 Sayama Kamiokutomi)

A beef bowl restaurant in Kamiokutomi, the same area as the property, about 220 m in a straight line from the address point.

Source
Kangane Sayama

A Korean restaurant in Kamiokutomi, the same area as the property, about 370 m in a straight line from the address point.

Source

About This Property

⚠️ The listing has no on-site photos, so we have not been able to check for retaining walls, any step between the lot and the front road, whether it is a flag-shaped lot, whether it is a row house (nagaya), or the condition of the building exterior. The only image in the Rakumachi and Kenbiya listings is the same single floor plan. With that caveat, this is a used detached house in Kamiokutomi, Sayama. The nearest station is Shin-Sayama Station on the Seibu Shinjuku Line, listed as a 10-minute walk. The lot faces a 4.00 m wide private road on the east. The listing gives no names or distances for nearby shops, so the nearby places below were found on OpenStreetMap, and their distances are straight-line distances from the point for Kamiokutomi 77 obtained from the GSI address search.

The price is 4.8 million yen. It is a two-story wooden 3DK house built in July 1972, with 44.05 m² of floor area on 47.56 m² of land (registered, freehold). It is in a Category 1 Low-Rise Exclusive Residential zone within the urbanization promotion area, with a 50% building coverage ratio and 80% floor area ratio. ⚠️ The floor area of 44.05 m² exceeds the 38.05 m² allowed by multiplying the 47.56 m² of land by the 80% floor area ratio by about 6 m², so the building may exceed the floor area ratio. The listing does not say whether it is a legally nonconforming existing building or a violation; a rebuild may not be able to reach the same size, and financing may be affected. The owner currently lives there and handover is negotiable, so the expected annual income of 600,000 yen and gross yield of 12.50% are estimates, not actual rental results.

The building is 54 years old and past its 22-year statutory useful life, so it is valued at zero, and the assessed ratio of 80.26% comes from the land alone. For the road price we used 81,000 yen/m² (2026), the most common value on the local streets of Kamiokutomi. ⚠️ This ratio is a narrow margin right around 80%. The private road burden field is blank; if a share of the private road is included in the 47.56 m² of land, the effective area shrinks, and the ratio falls below 80%: 79.9% with about 0.2 m² and 78.6% with 1 m². The lot also faces a private road with no road price; land along a private road is valued with a special road price, which is usually lower than that of the road the private road leads to (83,000 yen/m²). One step lower, at 79,000 yen/m², the ratio would be 78.3%.

The listing also says nothing about whether there is a share in the private road or its size, consent for passage and excavation, or the road type (whether it is a designated road). Together with the lack of photos, this property should be considered on the assumption of an on-site check and inquiries with the agent.

Estimated Financing

Assessed value ¥3,852,360 → estimated loan ¥3,850,000 (80% 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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