積算100
[Assessed 83.6%] Detached house in Kawaguchi, Saitama — 11 min from Hatogaya Sta.
Assessed 83.6%Detached houseKawaguchi, SaitamaHatogaya Sta. 11 min walk

[Assessed 83.6%] 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 Ratio83.6%Assessed 83.6%
Price¥45,800,000
TypeDetached house
StructureWooden
BuiltBuilt Oct 2026 (0 years old)
Land Area102.38㎡
Building Area108.88㎡

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¥45,800,000View listing

Assessed Value Breakdown

Land assessed value¥14,333,200
Building assessed value¥23,953,600
Total assessed value¥38,286,800
Asking price¥45,800,000
Assessed ratio83.6%

Calculation basis

  • Land = road price ¥140,000/m² × land area 102.38m²
  • Building = replacement cost ¥220,000/m² × floor area 108.88m² × 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

To check whether a rear retaining wall could exist, we compared pre-development ground with the front road using GSI 5 m elevation data, and examined Unit 3 with SUUMO photos and the lot plan for the same development and the 2026 road price map.

Locating the road price

On the 2026 road price map (sheet 28113), the north-south embankment road the development faces is JPY 140,000/㎡. Counting section by section in the area east of the Shiba River and south of the readjustment zone, JPY 140,000 is the most common (3 sections), and in 2024 (JPY 125,000) and 2025 (JPY 135,000) the most common value also matched the frontage. The cul-de-sac branch road entering south of the site is JPY 120,000/㎡; using that value, the assessed ratio would be about 79.1%. The property faces the roughly 7 m public road, and we judge that it does not touch this branch road.

View source
Building valuation assumptions

The 108.88 ㎡ floor area includes 7.27–9.31 ㎡ of built-in garage. As this is under 10% of the floor area we kept it in the valuation, but excluding the larger 9.31 ㎡ gives an assessed ratio of about 79.1%.

On-site check from photos

The Kenbiya images (mirrored from LIFULL HOME'S) were only two photos of Sato Elementary and Sato Junior High. From the SUUMO front-road and exterior photos and lot plan for the same development (nc_21156894), we confirmed that the roughly 7 m public road on the east is flat and level with the site with no steps or stairs, and that the neighbors to the north and south are lots of the same development graded at the same time, with the houses detached rather than terraced. No photo shows the rear (west) at all.

Other checks

With no photos of the rear, we estimated the retaining wall from an east-west profile of GSI 5 m elevation data: embankment crest 5.5–5.9 m, toe of the slope on the residential side 3.6–4.0 m, pre-development site 3.6–4.3 m and front road 4.3–5.0 m, so the original ground was about 0.4–1.0 m below the road. If fill raised it to road level, a retaining wall of roughly 0–1.1 m could exist at the rear, but a 5 m mesh can hide a 1 m step, so the height could not be determined.

What We Could Not Confirm

  • ⚠️ There may be a retaining wall along the rear (west) boundary, and its height is unconfirmed (estimated at roughly 0–1.1 m from elevation data). Whether it exists and how high it is need to be checked on site or with the agent.
  • Excluding the larger 9.31 ㎡ of garage space included in the floor area gives an assessed ratio of about 79.1%, and taking JPY 120,000/㎡ for the cul-de-sac branch road south of the site also gives about 79.1%.
  • 154 kV and 66 kV transmission lines run close to the 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 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 the road price map and map coordinates. If the area is extended to the part of Oaza Sato on the adjacent map (28124), the most common value may become JPY 135,000/㎡, in which case the assessed ratio would be about 82.5%.
  • The Kenbiya road-access field is blank; the frontage on the roughly 7 m public road to the east and the absence of a private-road share were confirmed from the SUUMO lot plan and road field.

※ 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
Co-op Mirai Tenjinbashi (Kamiaoki 2-chome, Kawaguchi)

Supermarket. About 650 m in a straight line from the development coordinates shown by the listing source (LIFULL HOME'S), per OpenStreetMap. It is on the far side of the Shiba River.

Source

Neighborhood ② Dining Near the Station

Marugame Seimen (Kamiaoki 2-chome, Kawaguchi)

Udon restaurant. About 620 m in a straight line from the development coordinates shown by the listing source (LIFULL HOME'S), per OpenStreetMap; on the far side of the Shiba River.

Source
Matsuya Kawaguchi Kamiaoki

Beef-bowl and set-meal chain (Kamiaoki 2-chome, Kawaguchi). About 610 m in a straight line from the development coordinates (OpenStreetMap).

Source
Sukiya (Oaza Sato, Kawaguchi)

Beef-bowl chain restaurant. About 780 m in a straight line from the development coordinates (OpenStreetMap).

Source

About This Property

⚠️ For this Unit 3, there may be a retaining wall along the rear (west) boundary, and its height has not been confirmed. GSI elevation data (5 m mesh) show the pre-development ground about 0.4–1.0 m below the front road, while the photos show the current site at road level, so the site appears to have been raised with fill. In that case we estimate a retaining wall of roughly 0–1.1 m could exist at the rear boundary toward the Shiba River embankment, but no photo shows the rear, and a 5 m mesh cannot resolve a step of about 1 m. This site does not list properties with a retaining wall holding back 1 m or more of earth, so whether there is a rear retaining wall and how high it is need to be checked on site or with the agent.

Unit 3 of a four-house new development in Oaza Sato, Kawaguchi, an 11-minute walk from Hatogaya Station on the Saitama Rapid Railway Line. The price is JPY 45.8 million for 102.38 ㎡ of land (freehold, residential land category, no private-road share) and a two-story wooden 3SLDK house of 108.88 ㎡, scheduled for completion in October 2026 (currently unfinished), with handover in late November 2026; the building confirmation number is 26UDI1W-Ken-03469. It fronts a public road about 7 m wide on the east and has a built-in garage for one car and an LDK of over 18 tatami. It is in a Category 1 residential zone (building coverage 60%, floor area ratio 200%), with restrictions including the River Act (the site adjoins the Shiba River embankment) and the Act on Regulation of Residential Land Development and Specified Fill. Kenbiya lists it under the "detached rental house" category, but it is a newly built house for owner-occupation, and no yield or expected rent is given.

The assessed ratio is about 83.6%. On 2026 road price map sheet 28113, both the embankment road the site fronts and the most common value on local streets in the surrounding area are JPY 140,000/㎡ (JPY 125,000 in 2024 → 135,000 in 2025 → 140,000/㎡ in 2026). The development lies outside (south of) the Sato Land Readjustment Project area, where road prices are published. If the area is extended to the part of Oaza Sato on the adjacent map (28124), the most common value may become JPY 135,000/㎡, in which case the assessed ratio would be about 82.5%. ⚠️ On the other hand, excluding the larger 9.31 ㎡ of the 7.27–9.31 ㎡ garage space included in the floor area brings the ratio down to about 79.1%, and taking JPY 120,000/㎡ for the cul-de-sac branch road south of the site also gives about 79.1%.

⚠️ 154 kV and 66 kV transmission lines run close to the south of the site, and a pylon and wires appear in the front-road photo. Aerial photos suggest the wires pass at least about 35 m south of Unit 3, but 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. Summit Store Hatogaya Ekimae is 797 m away and Yaoko Kawaguchi SKIP City 844 m (distances from the SUUMO listing); distances to Co-op Mirai 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 ¥38,286,800 → estimated loan ¥38,280,000 (84% 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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