Prices · Toa Payoh · Lorong 4 Toa Payoh · D12 Balestier
Block 85 Lorong 4 Toa Payoh
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What this block is
| Address | Block 85 Lorong 4 Toa Payoh, Toa Payoh, Singapore 310085 |
| Flat types here | 3-room — on the evidence of three sales since Jan 2019, so a type that has never been resold here will not appear |
| Unit sizes | 3-room about 732 sq ft |
| Lease | 99 years from 1972, expiring 2071 — 45 years left |
| Floors that have sold | 1 to 3, so the block stands at least 3 storeys |
| Flat models | Improved |
| Town and district | Toa Payoh, district 12 (Balestier, Toa Payoh, Serangoon) |
| Compare it with | the rest of Lorong 4 Toa Payoh, 3-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 $1,303 for every month of the 45 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 | $103,900 |
| Mortgage interest over 25 years | $120,451 |
| Running costs over the remaining lease | $194,400 |
| Total over the lease | $703,751 |
| Monthly while repaying | $1,712 |
| 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 a single sale, so treat it as an anecdote rather than a rate.
By flat type
| Type | Median | Range | Size | psf | Sales |
|---|---|---|---|---|---|
| 3-room | $380,000 | $200,000–$382,000 | 732 sq ft | 519 | 3 |
Year by year
| 2019 | $200,000 | 273 psf | one sale |
| 2024 | $382,000 | 522 psf | one sale |
| 2026 | $380,000 | 519 psf | one sale |
three transactions in all, from Jan 2019 to Jan 2026. The flat models recorded here are Improved.