積算100
さいたま市桜区栄和2丁目の戸建(イメージ)
Assessed 83%Detached houseSakura Ward, Saitama City, SaitamaMinami-Yono Sta. 20 min walk

[Assessed 83%] Detached house in Sakura Ward, Saitama City, Saitama — 20 min from Minami-Yono Sta.

Published: Updated:

Property Overview

LocationSakura Ward, Saitama City, Saitama
Nearest StationJR Saikyo Line Minami-Yono Sta.
Walk20 min walk
Assessed Ratio83%Assessed 83%
Price¥10,500,000
TypeDetached house
Expected Yield9.14%
StructureWooden
BuiltBuilt Jun 1978 (48 years old)
Land Area75.76㎡
Building Area59.2㎡

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¥10,500,000View listing
Rakumachi¥10,500,000View listing

Assessed Value Breakdown

Land assessed value¥8,712,400
Building assessed value¥0
Total assessed value¥8,712,400
Asking price¥10,500,000
Assessed ratio83%

Calculation basis

  • Land = road price ¥115,000/m² × land area 75.76m²
  • Building = replacement cost ¥220,000/m² × floor area 59.2m² × remaining life 0y ÷ statutory life 22y
  • Built Jun 1978 (48 years old)

Official Road Price Trend (last 3 years)

Cumulative change 2024 → 2026: +4.5%
YearRoad price (JPY/m²)YoY
2024110,000—
2025110,000±0.0%
2026115,000+4.5%

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

How We Checked This Property

As the listing has no property photos, we counted the roads of Eiwa 2-chome on two sheets of the FY2026 route price maps, cross-checked the private-road burden across two listings, and checked the surroundings with GSI elevation data and aerial photos.

Locating the road price

We counted the block roads of Eiwa 2-chome on the FY2026 route price map (sheet 31292, also spanning 31307): five at 120,000, thirteen at 115,000, two at 110,000 and one at 105,000 yen/m², so we used the most common 115,000 yen/m². The private front road (a designated road) has no route price, so this is the band of the north-south public road (115,000–120,000 yen/m²) it branches from. The most common value for the same roads was 110,000 yen/m² in both 2024 and 2025.

View source
Effective land area

Kenbiya's land area excludes private-road portions, and the 155 m² private-road burden is listed separately from the 75.76 m² of land (Rakumachi also lists it separately). As 155 m² is larger than the land itself it cannot be part of it, so we assessed 75.76 m² without deduction.

On-site check from photos

There are no property photos on Kenbiya, Rakumachi or athome, and we did not find the same property on SUUMO or Yahoo! Real Estate. Instead we measured the surroundings with GSI 5 m-mesh elevation data and confirmed flat land at 6.0 to 6.4 m above sea level. Aerial photos show small houses packed along the private road.

Building valuation assumptions

The house is a two-storey wooden building built in June 1978 (59.20 m² floor area); as it has exceeded the statutory useful life for wooden buildings, the building is valued at zero. It is currently let at 80,000 yen a month (960,000 yen a year), a gross yield of 9.14%.

What We Could Not Confirm

  • With no site photos, we could not confirm whether there are retaining walls or a height difference with the front road. Elevation data show flat land, but a 5 m mesh cannot detect small steps.
  • We could not confirm from photos whether it is a flag-shaped lot or a row house sharing a wall with its neighbour. Aerial photos show small houses packed along the private road.
  • The condition of the exterior and interior cannot be seen in photos. The layout is given as 5K in one listing and 3LDK or more in another, and as the house is let, whether a viewing is possible and the terms of the lease need to be confirmed with the agent.
  • The front road is a private road with no route price, and we referred to the band of the adjacent public road (115,000 yen/m²). At 110,000 yen/m², the most common value in 2024 and 2025, the ratio would be 79.37%; at 120,000 yen/m² it would be 86.58%. The ratio moves by several points depending on which band is taken as representative, and the actual inheritance-tax valuation may use a specific route price that could be lower than the public road.
  • The listing does not say how the 155 m² private road (designated road) is held (co-ownership or a separate parcel share) or whether consent for passage and excavation has been given; this needs to be 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

TAIRAYA Urawa Eiwa

Supermarket. About 220 m in a straight line from the coordinates of the property's address. Located in Eiwa 1-chome, Sakura Ward, Saitama City (OpenStreetMap position checked with GSI reverse geocoding).

Source
FamilyMart Saitama Eiwa 5-chome

Convenience store. About 340 m in a straight line from the coordinates of the property's address. Located in Eiwa 5-chome, Sakura Ward, Saitama City (OpenStreetMap position checked with GSI reverse geocoding).

Source
7-Eleven Saitama Eiwa 2-chome

Convenience store. About 360 m in a straight line from the coordinates of the property's address. Located in Eiwa 2-chome, Sakura Ward, Saitama City (OpenStreetMap position checked with GSI reverse geocoding).

Source

Neighborhood ② Dining Near the Station

Sukesan Udon Urawa Nakajima

Udon restaurant. About 240 m in a straight line from the coordinates of the property's address. Located in Nakajima 4-chome, Sakura Ward, Saitama City (OpenStreetMap position checked with GSI reverse geocoding).

Source
Bikkuri Donkey Urawa Saidai-dori

Hamburg steak restaurant. About 470 m in a straight line from the coordinates of the property's address. Located in Eiwa 3-chome, Sakura Ward, Saitama City (OpenStreetMap position checked with GSI reverse geocoding).

Source

About This Property

⚠️ The listing has no photos of the site, so we could not check for retaining walls, height differences with the front road, whether it is a flag-shaped lot, whether it is a row house joined to its neighbours, or the condition of the building exterior. GSI 5 m-mesh elevation data show the surroundings as flat land on the Arakawa lowland at 6.0 to 6.4 m above sea level, so a large height difference seems unlikely, but a 5 m mesh cannot rule out small steps. Aerial photos show small detached houses packed along a narrow private road running east from the public road, and we could not tell whether the house shares a wall with its neighbour.

This detached house is in Eiwa 2-chome, Sakura Ward, Saitama City, in a Category 1 residential zone (60% building coverage, 200% floor area ratio), a 20-minute walk from Minami-Yono Station on the JR Saikyo Line (all three listings say 20 minutes). Straight-line distances from the coordinates of the property's address are about 220 m to TAIRAYA Urawa Eiwa, about 340 m to FamilyMart Saitama Eiwa 5-chome and about 360 m to 7-Eleven Saitama Eiwa 2-chome; for restaurants, about 240 m to Sukesan Udon Urawa Nakajima and about 470 m to Bikkuri Donkey Urawa Saidai-dori (OpenStreetMap). Actual walking routes are longer.

The building is a two-storey wooden house built in June 1978 with 59.20 m² of floor area; the layout is given as 5K in one listing and 3LDK or more in another. The land is 75.76 m², freehold, registered as residential land. It touches a 4.0 m wide private road (a designated road) on the south-east side with 8.2 m of frontage. A private-road burden of 155 m² is listed, but this is separate from the 75.76 m² of land. It is currently let at 80,000 yen a month (960,000 yen a year), a gross yield of 9.14%. No parking is listed.

Because the building has exceeded the statutory useful life for wooden buildings, we value it at zero and assess the land only. The private front road has no route price, so we treated it as the same band as the adjacent public road it branches from and used 115,000 yen/m², the most common FY2026 value among the block roads of Eiwa 2-chome, giving an assessed ratio of 82.98%. Using 110,000 yen/m², the most common value in 2024 and 2025, the ratio would be 79.37%; at 120,000 yen/m² it would be 86.58%. Note that the ratio moves by several points depending on which band is taken as representative, so the margin is small. Because the front road is private, the actual inheritance-tax valuation would use a specific route price, which can be lower than the public-road band. The 155 m² private-road burden is not included in the land area, so we did not deduct it.

Estimated Financing

Assessed value ¥8,712,400 → estimated loan ¥8,710,000 (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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