Prices · Toa Payoh · Lorong 4 Toa Payoh
Block 81B Lorong 4 Toa Payoh
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What this block is
| Address | Block 81B Lorong 4 Toa Payoh, Toa Payoh |
| Flat types here | 4-room, 5-room — on the evidence of 17 sales since Feb 2017, so a type that has never been resold here will not appear |
| Unit sizes | 4-room about 1,130 sq ft, 5-room about 1,308 sq ft (1,130 to 1,308 sq ft across the block) |
| Lease | 99 years from 1997, expiring 2096 — 70 years left |
| Floors that have sold | 1 to 24, so the block stands at least 24 storeys |
| Flat models | Model A, Improved |
| Town and district | Toa Payoh |
| Compare it with | the rest of Lorong 4 Toa Payoh, 4-room flats across Toa Payoh |
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 $2,015 for every month of the 70 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 | $287,360 |
| Mortgage interest over 25 years | $327,753 |
| Running costs over the remaining lease | $302,400 |
| Total over the lease | $1,693,013 |
| Monthly while repaying | $4,038 |
| 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 two sales, which is too few to call a market rate.
By flat type
| Type | Median | Range | Size | psf | Sales |
|---|---|---|---|---|---|
| 4-room | $680,000 | $630,000–$816,888 | 1,130 sq ft | 602 | 9 |
| 5-room | $841,500 | $700,000–$1,088,000 | 1,308 sq ft | 641 | 8 |
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 | $700,000 | 593 psf | 3 |
| 04 to 06 | $742,344 | 670 psf | 4 |
| 07 to 09 | $725,000 | 601 psf | 2 |
| 10 to 12 | $680,000 | 602 psf | 1 |
| 16 to 18 | $807,500 | 678 psf | 4 |
| 19 to 21 | $838,000 | 638 psf | 1 |
| 22 to 24 | $815,000 | 665 psf | 2 |
Year by year
| 2017 | $667,800 | 602 psf | three sales |
| 2018 | $700,000 | 537 psf | one sale |
| 2019 | $751,500 | 619 psf | two sales |
| 2020 | $785,000 | 603 psf | one sale |
| 2021 | $810,000 | 637 psf | three sales |
| 2022 | $805,000 | 643 psf | three sales |
| 2023 | $810,944 | 725 psf | two sales |
| 2026 | $1,034,000 | 794 psf | two sales |
17 transactions in all, from Feb 2017 to Aug 2026. The flat models recorded here are Model A, Improved.