積算100
[Assessed 82.7%] Detached house in Kawagoe, Saitama — 15 min from Matoba Sta.
Assessed 82.7%Detached houseKawagoe, SaitamaMatoba Sta. 15 min walk

[Assessed 82.7%] Detached house in Kawagoe, Saitama — 15 min from Matoba Sta.

Published: Updated:

Property Overview

LocationKawagoe, Saitama
Nearest StationJR Kawagoe Line Matoba Sta.
Walk15 min walk
Assessed Ratio82.7%Assessed 82.7%
Price¥9,800,000
TypeDetached house
StructureWooden
BuiltBuilt Mar 1985 (41 years old)
Land Area100㎡
Building Area104.1㎡

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¥9,800,000View listing

Assessed Value Breakdown

Land assessed value¥8,100,000
Building assessed value¥0
Total assessed value¥8,100,000
Asking price¥9,800,000
Assessed ratio82.7%

Calculation basis

  • Land = road price ¥81,000/m² × land area 100m²
  • Building = replacement cost ¥220,000/m² × floor area 104.1m² × remaining life 0y ÷ statutory life 22y
  • Built Mar 1985 (41 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +2.5%
YearRoad price (JPY/m²)YoY
202479,000—
202581,000+2.5%
202681,000±0.0%

※ 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 41-year-old building is valued at zero, we counted every block road in Matoba 1-chome on the 2026 route price map to confirm the land value, and checked the lot's level differences with the listing photos and elevation data.

Locating the road price

On the 2026 route price map (map 26077), we checked the road on the east side of block 21 that the property faces, then counted every block road in Matoba 1-chome (spread over four map sheets). The most common value, 81,000 yen/m² (leasehold ratio D), is used. The Kawagoe-Hidaka arterial road was not counted. Block road values in the area moved from 79,000 yen (2024) to 81,000 yen (2025) and 81,000 yen/m² (2026). The road the property faces is 82,000 yen/m², which would give an assessed ratio of 83.7%.

View source
Building valuation assumptions

The two-story wooden house (104.10 m²) was built in March 1985. At 41 years old it is past the 22-year statutory useful life, so the building is valued at zero and the ratio depends on the 100.00 m² of land alone.

On-site check from photos

We reviewed four listing photos (two exterior, two of the front road). The building is level with the road and sidewalk, the side boundaries are one or two courses of block with a fence, and the ground on both sides is at the same level. There is no retaining wall, no step of 1 m or more, no stairway access and no flag-shaped lot; the house is detached.

Effective land area

No private road burden or setback is listed and the front road is 10.0 m wide, so the listed 100.00 m² (registered area) is used as is. The rear boundary is not in the photos, so we measured elevations around the lot with GSI elevation data and confirmed differences within 0.5 m.

What We Could Not Confirm

  • The rear (west) boundary does not appear in the listing photos and was checked only with elevation data. The condition of the boundary wall or any earth retention should be confirmed on site.
  • The building is a 41-year-old wooden house; repairs since the 2007 renovation and its current condition are not stated in the listing.
  • No parking is listed; whether a car can be parked on the lot should be confirmed with the agent.
  • Applying the boundary-road bands of 78,000 yen/m² or less in the area would bring the ratio below 80% (79.6% at 78,000 yen/m²). The margin from the 81,000 yen/m² representative value is small.

※ 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

FamilyMart Kawagoe Kasahata

Convenience store, about 200 m in a straight line from the listing's map coordinates (measured on map data).

Source
Belc Matoba

Supermarket in Oaza Matoba, Kawagoe, about 460 m in a straight line from the listing's map coordinates (measured on map data).

Source
The Market Place Kawagoe Matoba

Shopping center with a supermarket, about 650 m in a straight line from the listing's map coordinates (measured on map data).

Source

Neighborhood ② Dining Near the Station

Oshimaya

Sushi restaurant in Matoba 1-chome, about 170 m in a straight line from the listing's map coordinates (measured on map data).

Source
Uobei Kawagoe

Conveyor-belt sushi restaurant in Oaza Matoba, about 360 m in a straight line from the listing's map coordinates (measured on map data).

Source
Steak no Don Matoba

Steak restaurant in Oaza Matoba, about 480 m in a straight line from the listing's map coordinates (measured on map data).

Source

About This Property

A pre-owned detached house in Matoba 1-chome, Kawagoe, Saitama, a 15-minute walk from Matoba Station on the JR Kawagoe Line. The listing also gives a 28-minute walk to Kasahata Station. The lot has 7.5 m of frontage on a 10.0 m public road to the east (a two-lane road with sidewalks on both sides), across from the green space of Matoba Tanukiyama Park. The listing does not name nearby facilities, so straight-line distances from the listing's map coordinates to map-data locations are: FamilyMart Kawagoe Kasahata about 200 m, Belc Matoba about 460 m, The Market Place Kawagoe Matoba about 650 m; for dining, Oshimaya about 170 m, Uobei Kawagoe about 360 m, and Steak no Don Matoba about 480 m.

The price is 9.8 million yen. The two-story wooden house was built in March 1985 with a 3SLDK layout, 104.10 m² of floor area on a 100.00 m² lot (registered area), freehold, land category residential. The zoning is Category 1 Medium-to-High-Rise Exclusive Residential, with a 60% building coverage ratio and 200% floor area ratio. No private road burden or setback is listed, and the terrain is flat. The ground floor includes a free space usable as a shop, office or workshop, and a 2007 renovation is recorded in the listing. The house is vacant, the handover date is negotiable, and no parking is listed.

For the land value, we checked the road on the east side of block 21 that the property faces on the 2026 route price map (map 26077), then counted every block road in Matoba 1-chome and used the most common value, 81,000 yen/m² (leasehold ratio D). Block road values in the area moved from 79,000 yen (2024) to 81,000 yen (2025) and 81,000 yen/m² (2026). The 41-year-old wooden building is past its statutory useful life (22 years), so it is valued at zero, and the land alone gives an assessed ratio of 82.7%. The road the property faces is 82,000 yen/m², which would give 83.7%. Applying the boundary-road bands of 78,000 yen/m² or less in the area would bring the ratio below 80% (79.6% at 78,000 yen/m²).

We reviewed the listing photos (two exterior shots and two of the front road). The building sits at the same level as the road and sidewalk, with one or two low steps (about 0.3 m or less) at the entrance. The side boundaries are one or two courses of block with a fence, and the ground on both sides is at the same level. There is no retaining wall, no step of 1 m or more, no stairway access, no slope and no flag-shaped lot, and the house is detached with gaps on both sides. The rear (west) boundary does not appear in the photos, so we measured elevations around the lot with GSI elevation data and confirmed differences within 0.5 m. Because the building is 41 years old, its condition and any repairs after 2007 should be confirmed on site or with the agent.

Estimated Financing

Assessed value ¥8,100,000 → estimated loan ¥8,100,000 (83% 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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