Newly Built 4LDK Detached House in Okinawa City with Generous Parking and Flexible Financing
This newly constructed detached house, designated as Building B, is located in the Minamomomihara area of Okinawa City, Okinawa Prefecture. Completed in September 2025, this two-story wooden structure offers a modern living space with a total floor area of approximately 95.63 square meters (about 29.2 tsubo) on a land plot of approximately 162.9 square meters (about 49.3 tsubo). The property features a 4LDK layout, providing four bedrooms and a spacious living-dining-kitchen area. A significant advantage is the capacity for up to four parking spaces, catering to multi-vehicle households.
The property is equipped with a range of modern amenities including a system kitchen with a counter and water purifier, propane gas, a bathroom dryer, a vanity washbasin, two toilets (one with a warm-water bidet seat), a walk-in closet, underfloor storage, and a monitor-equipped intercom. The building is constructed with wood and other materials. The main living areas face south, ensuring good natural light.
Critical agent notes regarding financing and associated costs have been provided. A detailed monthly payment simulation is available based on a 50-year loan from a regional bank with zero down payment and zero bonus payments. The simulation assumes an initial fixed interest rate of 0.5% for the first five years, adjusting to 1.175% from the sixth year onward. The agent emphasizes that final loan terms depend on the applicant's age, annual income, and individual financial institution criteria. An estimated breakdown of additional costs includes: annual pro-rated fixed asset tax (under ¥100,000), building title registration (under ¥100,000), rights registration (around ¥400,000), a 5-year fire insurance contract (around ¥250,000), bank fees (loan amount x 2.42% or less), agency commission (sale price x 3% + ¥60,000 or less), optional work (furniture/appliances), and consolidation of existing debt (possible up to ¥5 million). The agency notes they have no designated bank and can propose banks and mortgage plans tailored to the client's situation and hopes, offering to answer various questions about monthly payments, zero-down purchases, mortgage life insurance, bank selection, and online banks.
The Minamomomihara neighborhood in Okinawa City offers a blend of residential calm and convenience, with parks and convenience stores within walking distance. The area provides excellent access to Route 58 and expressways, facilitating travel across the island. A notable nearby landmark is the Okinawa Zoo & Museum, located a short drive away, which combines family-friendly animal exhibits with cultural and natural history displays. The property is also within a 3-minute walk from the Yoshihara-guchi (Chatan Town) bus stop, adding public transport accessibility.
