積算100
[Assessed 93.5%] Detached house in Kawagoe, Saitama — 20 min from Matoba Sta.
Assessed 93.5%Detached houseKawagoe, SaitamaMatoba Sta. 20 min walk

[Assessed 93.5%] Detached house in Kawagoe, Saitama — 20 min from Matoba Sta.

Published: Updated:

Property Overview

LocationKawagoe, Saitama
Nearest StationJR Kawagoe Line Matoba Sta.
Walk20 min walk
Assessed Ratio93.5%Assessed 93.5%
Price¥26,800,000
TypeDetached house
StructureWooden
BuiltBuilt Dec 1994 (31 years old)
Land Area227.92㎡
Building Area209.98㎡

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.

athome¥26,800,000View listing

Assessed Value Breakdown

Land assessed value¥25,071,200
Building assessed value¥0
Total assessed value¥25,071,200
Asking price¥26,800,000
Assessed ratio93.5%

Calculation basis

  • Land = road price ¥110,000/m² × land area 227.92m²
  • Building = replacement cost ¥220,000/m² × floor area 209.98m² × remaining life 0y ÷ statutory life 22y
  • Built Dec 1994 (31 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +4.8%
YearRoad price (JPY/m²)YoY
2024105,000—
2025105,000±0.0%
2026110,000+4.8%

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

How We Checked This Property

We checked the FY2026 route price map and five listing photos to see how to read the route price on the internal streets of 4-chome, and used elevation data to check the terrain around the boundaries not shown in the photos.

Locating the road price

We checked Isehara-cho 4-chome on the FY2026 route price map (sheet 26041). The only internal street in 4-chome with a printed value is the 110,000 yen/m² route (leasehold ratio D); the other internal streets show no separate value, so we read them as part of the same route. Oisebashi-dori and the road along the southern edge (both 115,000 yen/m²) are arterial roads and were not used as the representative value. The listing describes the lot as a corner lot on two 6 m public roads "one street in", so we judged it to be on an internal street. At 115,000 yen/m² the assessed ratio would be about 90.4%, and at the 2024–2025 level of 105,000 yen/m² about 82.5%. The same route moved 105,000 → 105,000 → 110,000 yen/m² over three years.

View source
Building valuation assumptions

The building is a two-storey wooden house of 209.98 m², built in December 1994. As it has passed the 22-year statutory useful life for wooden structures, the building is valued at zero and only the 227.92 m² of land is assessed. No private road burden or setback is listed, so the land area is taken as listed.

On-site check from photos

We opened five listing photos (two exterior views, the parking area, the garden and the view) and enlarged the wall sections. On the southwest side the carport floor is level with the road, and the decorative block wall beside the gate is a screening wall with the path inside also at road level. On the northwest side a split-face block wall (about four courses) retains the soil of a hedge planting strip, with a retained height of about 0.6–0.8 m (0.9 m at the upper estimate). The northeast and southeast boundaries do not appear in the photos, so we used the GSI 5 m elevation grid (DEM5A). Within 40 m squares around each block of 4-chome the relief is within 0.9 m and the largest difference between adjacent 5 m cells is 0.54 m; no terrain suggests a step of 1 m or more. The lot is not a flag-shaped lot and the house is not a terraced unit.

What We Could Not Confirm

  • The northeast and southeast boundaries do not appear in the listing photos; we only looked at the terrain with elevation data. Whether there are walls or retaining walls on these boundaries, and their height, needs to be checked on site.
  • The address is disclosed only down to Isehara-cho 4-chome, and the street number is unknown. The only internal street in 4-chome with a printed route price is the 110,000 yen/m² route; the other internal streets show no separate value on the map.
  • The house is a wooden building from 1994 and is currently vacant. The listing gives no information on its condition (such as leaks or termites) or on its repair history.

※ 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

OK Mart (Isehara-cho 3-chome, Kawagoe)

Supermarket. 300 m from the property (as stated in the listing).

Source
Yaoko Kawagoe Matoba

Supermarket. 800 m from the property (as stated in the listing). Matoba-shinmachi, Kawagoe.

Source

Neighborhood ② Dining Near the Station

Starbucks Coffee Kawagoe Isehara

Cafe. 360 m from the property (as stated in the listing). Isehara-cho 3-chome, Kawagoe.

Source
McDonald's (Isehara-cho 3-chome, Kawagoe)

Hamburger restaurant. About 150 m in a straight line from the representative point of Isehara-cho 4-chome (GSI address search coordinates) (OpenStreetMap). As the street number is not disclosed, this is not the distance from the property itself.

Source
Gyoza no Manshu Kawagoe Matoba

Chinese restaurant. About 550 m in a straight line from the representative point of Isehara-cho 4-chome (OpenStreetMap). Matoba-shinmachi, Kawagoe.

Source

About This Property

This is a pre-owned detached house in Isehara-cho 4-chome, Kawagoe, Saitama. The nearest station is Matoba on the JR Kawagoe Line, a 20-minute walk; Kasumigaseki Station (Tobu Tojo Line) is 27 minutes and Tsurugashima Station 29 minutes on foot, and by bus it is an 11-minute ride to the Oisebashi stop and then a 4-minute walk. The house is in the Isehara New Town subdivision, on a corner lot facing 6.0 m public roads on two sides (southwest and northwest). The zoning is Category 1 low-rise exclusive residential (building coverage 60%, floor area ratio 100%), and the terrain is listed as flat. According to the listing, OK Mart is 300 m away, Starbucks Coffee Kawagoe Isehara 360 m, Yaoko Kawagoe Matoba 800 m, Oisezuka Park 250 m and Kasumigaseki-kita Elementary School 480 m. McDonald's (about 150 m) and Gyoza no Manshu Kawagoe Matoba (about 550 m) are straight-line distances from the representative point of Isehara-cho 4-chome (GSI address search coordinates) (OpenStreetMap).

The price is 29 million yen. The land is 227.92 m² (registered area, freehold) and the building is a two-storey wooden house built by Ida Technos in December 1994 (31 years old) with a total floor area of 209.98 m². The 8LDK layout has four Japanese-style rooms, four Western-style rooms and a 21-tatami LDK, plus a sauna and shower room, two toilets, a walk-in closet, a wide balcony and an engawa veranda. There is side-by-side parking for two cars under a carport and a garden of more than 10 tsubo. Utilities are public water, sewerage and city gas. The house is currently vacant, and the handover date is negotiable.

The assessed ratio is about 86.5%. Because the building has passed the 22-year statutory useful life for wooden structures, it is valued at zero and only the land is assessed. We used 110,000 yen/m² (FY2026, leasehold ratio D), the value on the internal streets of Isehara-cho 4-chome, as the representative route price. The same route was 105,000 yen/m² in both 2024 and 2025 and rose by about 4.8% in 2026. Using the 115,000 yen/m² of the surrounding arterial roads such as Oisebashi-dori gives about 90.4%, and using the earlier level of 105,000 yen/m² gives about 82.5%.

In the listing photos, the parking area is level with the front road and there is only one step (about 0.15 m) at the entrance. ⚠️ On the northwest side, a split-face block wall retains the soil of a hedge planting strip; the retained height is about 0.6–0.8 m (about 0.9 m even allowing for a miscount of block courses). ⚠️ The northeast and southeast boundaries with the neighbouring lots do not appear in the photos. The GSI 5 m elevation grid (DEM5A) shows relief within 0.9 m around each block of 4-chome and no terrain suggesting a large step, but the presence and height of walls or retaining walls need to be checked on site. The street number is not disclosed. As this is a 31-year-old wooden house that is currently vacant, its condition and repair history need to be confirmed with the agent.

Estimated Financing

Assessed value ¥25,071,200 → estimated loan ¥25,070,000 (94% 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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