積算100
[Assessed 102.2%] Detached house in Kawagoe, Saitama — 7 min from Shingashi Sta.
Assessed 102.2%Detached houseKawagoe, SaitamaShingashi Sta. 7 min walk

[Assessed 102.2%] Detached house in Kawagoe, Saitama — 7 min from Shingashi Sta.

Published: Updated:

Property Overview

LocationKawagoe, Saitama
Nearest StationTobu Tojo Line Shingashi Sta.
Walk7 min walk
Assessed Ratio102.2%Assessed 102.2%
Price¥24,900,000
TypeDetached house
StructureWooden
BuiltBuilt Nov 2016 (9 years old)
Land Area92.56㎡
Building Area96.05㎡

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.

SUUMO¥24,900,000View listing

Assessed Value Breakdown

Land assessed value¥12,958,400
Building assessed value¥12,486,500
Total assessed value¥25,444,900
Asking price¥24,900,000
Assessed ratio102.2%

Calculation basis

  • Land = road price ¥140,000/m² × land area 92.56m²
  • Building = replacement cost ¥220,000/m² × floor area 96.05m² × remaining life 13y ÷ statutory life 22y
  • Built Nov 2016 (9 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +3.7%
YearRoad price (JPY/m²)YoY
2024135,000—
2025140,000+3.7%
2026140,000±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

Rather than repeating the listing, we counted the block roads of Ōaza Sunashinden near the station on two sheets of the 2026 road price map and checked the level differences with the road and the neighbouring lots in four on-site listing photos.

Locating the road price

On the 2026 road price map (sheets 26137 and 26127), the block roads of Ōaza Sunashinden near Shingashi Station were most often JPY 140,000/sqm and JPY 150,000/sqm, four segments each; we adopted the lower JPY 140,000/sqm. Arterial roads such as the Kawagoe Kaido were not counted. The same road was JPY 135,000 in 2024 and JPY 140,000 in 2025.

View source
Listing check

The lot number is not disclosed. The SUUMO map pin is near Sunashinden 5-chome, about 1.1 km in a straight line from Shingashi Station, which does not match the stated 7-minute walk, so we did not use it to locate the property. Block roads in Ōaza Sunashinden range from JPY 105,000 to 155,000/sqm; even the lowest band gives about 89%.

Effective land area

The listing mentions no private-road burden, setback or flag-pole strip, and the lot is regular-shaped and flat, so the listed land area of 92.56 sqm (registered) is used as is.

Building valuation assumptions

Two-storey wooden house built in November 2016 (9 years old), valued for the remaining 13 of its 22-year statutory useful life. When it turns 10 in November 2026, 12 years remain and the assessed ratio falls to about 98.3%.

On-site check from photos

We checked four on-site photos. A gentle step-free slope runs from the front road, and the site is only about 0.3–0.5 m above the road. The northwest neighbour is at about the same level, and we saw no retaining wall, no level difference of 1 m or more and no stair-only access. It is neither a flag-shaped lot nor a row house.

What We Could Not Confirm

  • The lot number is not disclosed and the property's position is not fixed, so the road price of the adjoining road (somewhere between JPY 105,000 and 155,000/sqm in Ōaza Sunashinden) is unconfirmed. Even the lowest band gives about 89%.
  • No photo shows the northeast (rear) boundary directly, so the level difference on that side has not been confirmed.

※ 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

Tobu Store Shingashi
1 min walk from the station

Supermarket in front of Shingashi Station, about 75 m in a straight line from the station (OpenStreetMap).

Source
Commodi Iida (southeast of Shingashi Sta.)
3 min walk from the station

Supermarket about 200 m in a straight line from Shingashi Station (OpenStreetMap).

Source
Inageya (southwest of Shingashi Sta.)
6 min walk from the station

Supermarket southwest of Shingashi Station, about 455 m in a straight line from the station (OpenStreetMap).

Source

Neighborhood ② Dining Near the Station

Cafe de Crie (Shingashi Sta.)
1 min walk from the station

Cafe in front of Shingashi Station, about 65 m in a straight line from the station (OpenStreetMap).

Source
Asakuma (southwest of Shingashi Sta.)
8 min walk from the station

Steak and hamburger restaurant southwest of Shingashi Station, about 607 m in a straight line from the station (OpenStreetMap).

Source

About This Property

A pre-owned detached house in Ōaza Sunashinden, Kawagoe. The nearest station is Shingashi on the Tobu Tojo Line, a 7-minute walk (Kami-Fukuoka and Kawagoe stations are both 39 minutes on foot). It sits in a Category 1 residential zone; Tobu Store Shingashi is in front of Shingashi Station and Inageya is southwest of the station, and the listing states a supermarket is a 2-minute walk away. ⚠️ The lot number is not disclosed, so facility distances are straight-line distances from the station.

The building is a two-storey wooden house built in November 2016 (constructed by Tama Home), 96.05 sqm of floor area (registered), with a 3DK layout that has a kitchen on each floor, suited to two households. The land is 92.56 sqm (registered), freehold, regular-shaped and flat. It faces a paved 6.9 m-wide road on the southwest side with 6.6 m of frontage, and there is no private-road burden. Building coverage 60%, floor area ratio 200%. There is no parking space, and handover within the year is negotiable.

For the road price, we counted the block roads of Ōaza Sunashinden near the station on the 2026 road price map (sheets 26137 and 26127, leasehold ratio D). JPY 140,000/sqm and JPY 150,000/sqm appeared equally often, so we adopted the lower JPY 140,000/sqm as the representative value. The same road was JPY 135,000 in 2024, JPY 140,000 in 2025 and JPY 140,000/sqm in 2026, up about 3.7% over two years. The building is 9 years old and is valued for the remaining 13 of the 22-year statutory useful life for wooden structures; together with the land, the assessed ratio is about 102.2%. ⚠️ The lot number is not disclosed and the exact position is not fixed. Block roads in Ōaza Sunashinden range from JPY 105,000 to 155,000/sqm, and applying the lowest band gives about 89%. When the house turns 10 in November 2026, one more year of building value drops off and the ratio becomes about 98.3%.

We checked the surroundings of the site in four on-site photos from the listing. On the southwest road side there is a lawn behind a decorative block wall, and a gentle step-free slope runs from the road to the entrance; the site is only about 0.3–0.5 m above the road. The northwest boundary with the neighbour is a fence on a low concrete base, at about the same level as the neighbouring lot. We saw no retaining wall, no level difference of 1 m or more and no stair-only access, and it is neither a flag-shaped lot nor a row house. ⚠️ No photo shows the northeast (rear) boundary directly; we only confirmed from the balcony view that the surrounding area is flat housing.

Estimated Financing

Assessed value ¥25,444,900 → estimated loan ¥24,900,000 (100% 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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