Prices · Punggol · Punggol Central · D19 Serangoon Garden
Block 645 Punggol Central
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What this block is
| Address | Block 645 Punggol Central, Punggol, Singapore 820645 |
| Flat types here | 4-room, 5-room — on the evidence of 37 sales since April 2017, so a type that has never been resold here will not appear |
| Unit sizes | 4-room about 969 sq ft, 5-room about 1,184 sq ft (969 to 1,184 sq ft across the block) |
| Lease | 99 years from 2005, expiring 2104 — 78 years left |
| Floors that have sold | 1 to 18, so the block stands at least 18 storeys |
| Flat models | Premium Apartment |
| Town and district | Punggol, district 19 (Serangoon Garden, Hougang, Punggol) |
| Compare it with | the rest of Punggol Central, 5-room flats across Punggol |
Two things this page deliberately does not have. There is no floor plan: the resale register carries none, and drawing one from the median floor area would be an invention. And there is no nearest station, for the same reason — no rail data is published here, so the distance would be guessed. What is near this block, measured rather than assumed, is the food: hawker centres within a walk.
What a flat here really costs each month
Bought at the median price, a flat in this block works out at $1,386 for every month of the 78 years its lease still has to run. That figure takes in the price itself, both stamp duties, legal and valuation fees, the whole of the mortgage interest and the running costs for as long as the lease lasts.
It is a different question from the monthly instalment, which stops after 25 years while the lease carries on being used up.
| Cash needed up front | $197,700 |
| Mortgage interest over 25 years | $226,637 |
| Running costs over the remaining lease | $336,960 |
| Total over the lease | $1,297,547 |
| Monthly while repaying | $2,903 |
| Monthly once repaid | $360 |
Assumes a Singapore citizen buying a first home with a 75 per cent loan at 3 per cent over 25 years, $2,500 in legal fees, $400 for valuation, $1,200 a year in property tax and $260 a month for conservancy, upkeep and insurance. Change any of these. Figures are not discounted: a dollar paid in the final year of the lease is counted the same as a dollar paid today. Opportunity cost, CPF accrued interest and any resale value are excluded.
The median above is based on just three sales, which is too few to call a market rate.
By flat type
| Type | Median | Range | Size | psf | Sales |
|---|---|---|---|---|---|
| 4-room | $492,000 | $366,000–$600,500 | 969 sq ft | 502 | 9 |
| 5-room | $480,000 | $415,000–$800,000 | 1,184 sq ft | 405 | 28 |
By floor
Measured inside a block, where the address, the age and the lease are all held still, a storey is worth about 0.63 per cent of the price per square foot — so the difference between the second floor and the twentieth is roughly 11 per cent, not the 2.1 times the market-wide storey bands appear to show. Why those bands mislead.
| 01 to 03 | $445,000 | 387 psf | 4 |
| 04 to 06 | $437,000 | 419 psf | 7 |
| 07 to 09 | $470,000 | 397 psf | 8 |
| 10 to 12 | $589,000 | 502 psf | 6 |
| 13 to 15 | $432,000 | 365 psf | 3 |
| 16 to 18 | $600,000 | 545 psf | 9 |
Year by year
| 2017 | $447,500 | 379 psf | four sales |
| 2018 | $420,000 | 361 psf | six sales |
| 2019 | $423,500 | 372 psf | four sales |
| 2020 | $458,500 | 387 psf | two sales |
| 2021 | $445,000 | 412 psf | two sales |
| 2022 | $510,000 | 486 psf | four sales |
| 2023 | $588,000 | 503 psf | seven sales |
| 2024 | $654,000 | 606 psf | four sales |
| 2025 | $709,444 | 599 psf | two sales |
| 2026 | $721,500 | 609 psf | two sales |
37 transactions in all, from April 2017 to June 2026. The flat models recorded here are Premium Apartment.