積算100
[Assessed 86.8%] Detached house in Kawaguchi, Saitama — 11 min from Hatogaya Sta.
Assessed 86.8%Detached houseKawaguchi, SaitamaHatogaya Sta. 11 min walk

[Assessed 86.8%] Detached house in Kawaguchi, Saitama — 11 min from Hatogaya Sta.

Published: Updated:

Property Overview

LocationKawaguchi, Saitama
Nearest StationSaitama Rapid Railway Line Hatogaya Sta.
Walk11 min walk
Assessed Ratio86.8%Assessed 86.8%
Price¥44,700,000
TypeDetached house
StructureWooden
BuiltBuilt Oct 2026 (0 years old)
Land Area102.73㎡
Building Area110.96㎡

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¥44,700,000View listing

Assessed Value Breakdown

Land assessed value¥14,382,200
Building assessed value¥24,411,200
Total assessed value¥38,793,400
Asking price¥44,700,000
Assessed ratio86.8%

Calculation basis

  • Land = road price ¥140,000/m² × land area 102.73m²
  • Building = replacement cost ¥220,000/m² × floor area 110.96m² × remaining life 22y ÷ statutory life 22y
  • Built Oct 2026 (0 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +12.0%
YearRoad price (JPY/m²)YoY
2024125,000—
2025135,000+8.0%
2026140,000+3.7%

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

How We Checked This Property

The Kenbiya listing had only two photos of schools, so we checked Unit 2 against the SUUMO photos and lot plan for the same development, the 2026 road price map and GSI elevation data.

Locating the road price

On the 2026 road price map (sheet 28113) we read JPY 140,000/㎡ for the north-south embankment road the development faces. Among the 10 local street sections in the area south of the land readjustment zone, between the Shiba River and Nishi-Kominkan-dori, JPY 140,000 is also the most common (3 sections) and matches the frontage, so we took it as representative. Bands near the station and on the Oaza Tsuji side were not counted, as they differ in character.

View source
Building valuation assumptions

Of the 110.96 ㎡ floor area, the built-in garage accounts for 7.27–9.31 ㎡. Because this is under 10% of the floor area, we kept it in the valuation; excluding the larger 9.31 ㎡ gives an assessed ratio of about 82.2%. The house is unfinished but was valued as a new build scheduled for completion in October 2026.

On-site check from photos

The Kenbiya images (mirrored from LIFULL HOME'S) were just two photos of Sato Elementary and Sato Junior High, with nothing of the property. We therefore judged from the SUUMO front-road and exterior photos and lot plan for the same development (nc_21156894). The roughly 7 m public road in front is flat, the houses under construction sit at about road level, and there are no steps, retaining walls or stairs. The lot plan shows every lot facing the public road directly; none is flag-shaped.

Other checks

We supplemented the photos with an east-west profile from GSI elevation data (5 m mesh). The ground rises from 3.6–3.9 m on the site to 5.4–5.7 m at the embankment crest about 20 m west, an earthen slope climbing over roughly 10 m, and the photos show only a grassy slope. No photo shows the rear boundary head-on, however, so whether there is a retaining wall is not settled.

What We Could Not Confirm

  • 154 kV and 66 kV transmission lines run south of the site. The listing does not mention high-voltage lines overhead, and whether they pass over this lot is unconfirmed. If they do, the assessed ratio overstates the real value.
  • The rear (west) borders the Shiba River embankment; whether there is a retaining wall at the rear boundary, and how high it is, cannot be confirmed from the photos.
  • The lot number is not disclosed, so the site's position outside the Sato Land Readjustment Project area and the frontage road price (JPY 140,000/㎡) were judged by estimating its location from lot-number notes on the road price map and map coordinates. The most common value across southern Oaza Sato is JPY 145,000/㎡, and the cul-de-sac branch road south of the site is JPY 120,000/㎡.
  • The Kenbiya road-access field is blank; the frontage on the roughly 7.0 m public road to the east and the absence of a private-road share were confirmed from the SUUMO lot plan and road field. The lot plan shows five lots, while the sale is listed as four houses.

※ 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

Summit Store Hatogaya Ekimae

Supermarket (Oaza Tsuji, Kawaguchi, near Hatogaya Station). The SUUMO listing gives the distance as 797 m.

Source
Yaoko Kawaguchi SKIP City

Supermarket (Kamiaoki 4-chome, Kawaguchi, across the Shiba River). The SUUMO listing gives the distance as 844 m.

Source
Jason (Oaza Sato, Kawaguchi)

Discount supermarket. About 570 m in a straight line from the development coordinates shown by the listing source (LIFULL HOME'S), per OpenStreetMap.

Source

Neighborhood ② Dining Near the Station

Kura Sushi (Oaza Sato, Kawaguchi)

Conveyor-belt sushi restaurant. About 520 m in a straight line from the development coordinates (OpenStreetMap).

Source
CoCo Ichibanya (Oaza Sato, Kawaguchi)

Curry restaurant. About 530 m in a straight line from the development coordinates (OpenStreetMap).

Source
Saizeriya (Kamiaoki 2-chome, Kawaguchi)

Italian family restaurant. About 580 m in a straight line from the development coordinates (OpenStreetMap), on the far side of the Shiba River.

Source

About This Property

Unit 2 of a four-house new development in Oaza Sato, Kawaguchi (marketed on SUUMO as "Meldia Sato"), an 11-minute walk from Hatogaya Station on the Saitama Rapid Railway Line. The rear (west) of the site borders the Shiba River embankment, and the front faces a public road about 7.0 m wide on the east. It lies in a Category 1 residential zone (building coverage 60%, floor area ratio 200%) within the urbanization promotion area, and the listing names restrictions under the Landscape Act, the River Act (the site adjoins the Shiba River embankment), shadow regulations, an Article 22 fire-prevention zone and the Act on Regulation of Residential Land Development and Specified Fill. Summit Store Hatogaya Ekimae is 797 m away and Yaoko Kawaguchi SKIP City 844 m (both distances as given in the SUUMO listing).

The price is JPY 44.7 million for 102.73 ㎡ of land (freehold, residential land category, no private-road share) with a two-story wooden 4LDK house of 110.96 ㎡ under construction. Completion is scheduled for October 2026 and handover for late November 2026; the building confirmation number is 26UDI1W-Ken-03468. The ground floor has a built-in garage for one car, and the house has an LDK of about 18 tatami, a south-facing balcony, a dishwasher and a bathroom dryer, with city gas and public water and sewerage. Kenbiya lists it under the "detached rental house" category, but it is in fact a newly built house for owner-occupation, and no yield or expected rent is given.

The assessed ratio is about 86.8%. We used JPY 140,000/㎡, the 2026 road price of the embankment-side road the site fronts, from road price map sheet 28113. JPY 140,000 is also the most common value on the local streets around the development (south of the land readjustment area), and the price rose from JPY 125,000 (2024) to 135,000 (2025) and 140,000/㎡ (2026), up 12.0% in two years. The northern part of Oaza Sato is the Sato Land Readjustment Project area and has no road prices, but this development lies outside it to the south, where road prices are published. Counting all of southern Oaza Sato, the most common value is JPY 145,000/㎡; a cul-de-sac branch road south of the site is JPY 120,000/㎡. The floor area includes 7.27–9.31 ㎡ of garage space; excluding the larger 9.31 ㎡ gives about 82.2%.

⚠️ 154 kV and 66 kV transmission lines run south of the site and cross the Shiba River; a pylon and wires are visible in the front-road photo. The listing does not mention high-voltage lines overhead, and whether they pass over this lot is unconfirmed. If they do, the assessed value overstates the real value. ⚠️ Toward the Shiba River embankment at the rear (west), the photos show only a grassy slope, but no photo shows the rear boundary head-on, so whether there is a retaining wall and how high it is remain unconfirmed. Distances to Jason and the restaurants are straight-line distances from the development coordinates shown by the listing source (LIFULL HOME'S), per OpenStreetMap.

Estimated Financing

Assessed value ¥38,793,400 → estimated loan ¥38,790,000 (87% 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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