積算100
[Assessed 83.3%] Detached house in Kawaguchi, Saitama — 11 min from Hatogaya Sta.
Assessed 83.3%Detached houseKawaguchi, SaitamaHatogaya Sta. 11 min walk

[Assessed 83.3%] 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 Ratio83.3%Assessed 83.3%
Price¥46,800,000
TypeDetached house
StructureWooden
BuiltBuilt Oct 2026 (0 years old)
Land Area102.14㎡
Building Area112.2㎡

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¥46,800,000View listing

Assessed Value Breakdown

Land assessed value¥14,299,600
Building assessed value¥24,684,000
Total assessed value¥38,983,600
Asking price¥46,800,000
Assessed ratio83.3%

Calculation basis

  • Land = road price ¥140,000/m² × land area 102.14m²
  • Building = replacement cost ¥220,000/m² × floor area 112.2m² × 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

For Unit 4 the assessed ratio shifts with how the garage and the road price are treated, so we counted each road band on the 2026 road price map and checked the site with SUUMO photos, the lot plan for the same development and elevation data.

Locating the road price

On the 2026 road price map (sheet 28113), of the 10 local street sections south of the readjustment zone between the Shiba River and Nishi-Kominkan-dori, JPY 140,000/㎡ is the most common (3 sections), and the embankment road the site fronts is also JPY 140,000/㎡. At JPY 125,000/㎡ the assessed ratio would be 80.02%, and at JPY 120,000/㎡ for the cul-de-sac branch road south of the site, 78.9%. The listing gives frontage on a roughly 7 m public road to the east, so we judge that the site does not face the narrow branch road.

View source
Building valuation assumptions

The 112.2 ㎡ 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 garage gives an assessed ratio of about 79.9% (excluding 7.27 ㎡) to 78.9% (excluding 9.31 ㎡).

On-site check from photos

The Kenbiya images (mirrored from LIFULL HOME'S) were only two photos of schools, so we judged from the SUUMO front-road and exterior photos and lot plan for the same development (nc_21156894). The lot plan shows every lot, including lot 4, facing the roughly 7.0 m public road on the east directly. The houses under construction sit at about road level with no steps, retaining walls or stairs visible, and the side boundaries are flat, shared with other lots of the same development.

Other checks

An east-west profile from GSI 5 m elevation data shows the Shiba River embankment at the rear as an earthen slope rising about 1.8 m from 3.6–3.9 m on the site to 5.4–5.7 m at the crest about 20 m west, not the shape of a vertical retaining wall at the boundary. No photo shows the rear boundary head-on, however, so its actual condition is not settled.

What We Could Not Confirm

  • Excluding the garage space included in the floor area (7.27–9.31 ㎡) gives an assessed ratio of about 79.9% to 78.9%. At a road price of JPY 125,000/㎡ the ratio is 80.02%, and at JPY 120,000/㎡ for the cul-de-sac branch road south of the site, 78.9%.
  • Transmission lines (154 kV and 66 kV) cross the Shiba River 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 its height, 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 counted across southern Oaza Sato is JPY 145,000/㎡.
  • The Kenbiya road-access field is blank; the frontage 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

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
Katsuhanatei Kawaguchi (Kamiaoki 2-chome, Kawaguchi)

Tonkatsu (pork cutlet) restaurant. About 800 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
McDonald's (Sakashitacho 1-chome, Kawaguchi, by Hatogaya Station)

Hamburger restaurant. About 810 m in a straight line from the development coordinates (OpenStreetMap).

Source

About This Property

Unit 4 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 46.8 million for 102.14 ㎡ of land (freehold, residential land category, no private-road share) and a two-story wooden 3SLDK house of 112.2 ㎡, with an assessed ratio of about 83.3%. ⚠️ The floor area includes 7.27–9.31 ㎡ of built-in garage space; excluding it lowers the ratio to about 79.9% (excluding 7.27 ㎡) to 78.9% (excluding 9.31 ㎡). At a road price of JPY 125,000/㎡ the ratio would be 80.02%, and at JPY 120,000/㎡, the cul-de-sac branch road south of the site, 78.9%, so the result moves noticeably with how it is assessed.

The house is unfinished, scheduled for completion in October 2026 with handover in late November 2026; the building confirmation number is 26UDI1W-Ken-03460. It fronts a public road about 7.0 m wide on the east and has a built-in garage for one car, a dishwasher, a bathroom dryer and accent wallpaper, with city gas and public water and sewerage. It sits in a Category 1 residential zone (building coverage 60%, floor area ratio 200%) within the urbanization promotion area, with 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. 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.

We used JPY 140,000/㎡, the road price of the north-south embankment road the site fronts, from the 2026 road price map (sheet 28113). JPY 140,000 is also the most common value on local streets around the development, and the price moved from JPY 125,000 (2024) to 135,000 (2025) and 140,000/㎡ (2026). The northern part of Oaza Sato is the Sato Land Readjustment Project area without 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/㎡.

⚠️ 154 kV and 66 kV transmission lines run south of the site and cross the Shiba River. 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. ⚠️ The rear (west) borders the Shiba River embankment; the photos show only a grassy slope, but whether there is a retaining wall at the rear boundary and how high it is are unconfirmed. Summit Store Hatogaya Ekimae is 797 m away and Yaoko Kawaguchi SKIP City 844 m (distances from the SUUMO listing); restaurant distances are straight-line distances from the development coordinates shown by the listing source (LIFULL HOME'S), per OpenStreetMap.

Estimated Financing

Assessed value ¥38,983,600 → estimated loan ¥38,980,000 (83% 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.

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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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