Latest Sale
$409,000
2026-03 · 3 Room
How Much Is a Flat at Block 109 Lor 1 Toa Payoh Worth?
3 Room · Built 1970 · 42 years 11 months remaining MOP Cleared
Median $/sqm
$5,061
Based on 20 txns
Total Txns
20
Since data available
5-Yr Trend
▲14.8%
vs 5 years ago
What's Your Flat Worth?
Select your flat type and storey band, then click Get Estimate. Change your selection at any time and get a new estimate.
Flat Type
Storey Band (closest to your floor)
How did you buy?
Estimated Upgrade Budget
▲ 14.8% 5-yr—
Cash
—
Spendable
CPF Refund
—
Back to CPF OA
Market Value Estimate —
Est. Purchase Price
· Affects CPF accrued interest
+CPF & Loan — view details →
Loan Type
Outstanding Loan (est.) —
CPF Principal (est.) —
CPF Accrued Interest (est.) —
+Selling Costs — view details →
Agent Commission (2%) —
Experienced agents often recover their fee through a higher sale price.
Conveyancing Lawyer (est.) −$500
Handles legal paperwork — choose HDB lawyer or private conveyancing firm
HDB Legal & Admin Fees
−$460 Transfer, mortgage discharge, title search, registration
Net Proceeds for Upgrade —
Market Demand
⏳ Lower transaction volume — pricing and timing matter more here. A local expert helps.
Based on recent sales data · Updates monthly
Sold at this block (6mo)
1 flats ⚡
AVG. DAYS TO OFFER
~180 days
Transaction density proxy
BUYER DEMAND
3.0 / 10
Block Specialists
Connect with agents who know this block — coming soon.
Block Specialists
Connect with agents who know this block
Specialist 1
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Specialist 2
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Specialist 3
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
1 / 2
Specialist 1
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Specialist 2
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Specialist 3
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Specialist 4
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Specialist 5
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Specialist 6
1,219 transactions in Lor 1 Toa Payoh
Highest: $1,200,000
Agent profiles launching soon
Lease Clock
Sell Now 0 yrs 42 years left 99 yrs
Key threshold: 60 years
Buyer financing is already restricted
Your block has 42 years of lease left. Buyers already face CPF usage limits and lower loan quantum when purchasing. This means fewer buyers qualify, and those who do will negotiate harder. Selling sooner gives you a larger buyer pool and a stronger sale price.
A specialist agent can target the right buyers and negotiate the best possible outcome for you.
Transaction History 20 total
| Date | Floor | Type | sqm | Price | $/sqm |
|---|---|---|---|---|---|
| 2026-03 | 10 TO 12 | 3 Room | 66 | $409,000 | $6,197 |
| 2024-12 | 07 TO 09 | 3 Room | 66 | $445,000 | $6,742 |
| 2024-06 | 04 TO 06 | 3 Room | 66 | $375,000 | $5,682 |
| 2023-07 | 01 TO 03 | 3 Room | 66 | $380,000 | $5,758 |
| 2023-05 | 07 TO 09 | 3 Room | 66 | $350,000 | $5,303 |
| 2023-04 | 04 TO 06 | 3 Room | 66 | $340,000 | $5,152 |
| 2022-11 | 04 TO 06 | 3 Room | 66 | $352,500 | $5,341 |
| 2022-06 | 07 TO 09 | 3 Room | 66 | $326,000 | $4,939 |
| 2022-05 | 04 TO 06 | 3 Room | 66 | $335,000 | $5,076 |
| 2021-11 | 01 TO 03 | 3 Room | 66 | $310,000 | $4,697 |
| 2021-10 | 01 TO 03 | 3 Room | 66 | $285,000 | $4,318 |
| 2020-09 | 07 TO 09 | 3 Room | 66 | $273,000 | $4,136 |
| 2020-06 | 01 TO 03 | 3 Room | 66 | $233,000 | $3,530 |
| 2020-01 | 10 TO 12 | 3 Room | 66 | $290,000 | $4,394 |
| 2019-07 | 01 TO 03 | 3 Room | 66 | $268,888 | $4,074 |
| 2018-10 | 04 TO 06 | 3 Room | 66 | $305,000 | $4,621 |
| 2017-11 | 07 TO 09 | 3 Room | 66 | $343,000 | $5,197 |
| 2017-10 | 04 TO 06 | 3 Room | 66 | $338,888 | $5,135 |
| 2017-05 | 07 TO 09 | 3 Room | 66 | $333,000 | $5,045 |
| 2017-03 | 04 TO 06 | 3 Room | 66 | $330,000 | $5,000 |
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About Block 109 Lor 1 Toa Payoh
Block 109 at Lor 1 Toa Payoh is a residential HDB block in Toa Payoh, Singapore, built in 1970 with approximately 43 years remaining on its 99-year lease. The block contains 3 Room flats. The most recent transaction was a 3 Room flat (storeys 10–12) that sold for $409,000 in Mar 2026. The current median price per square metre is $5,061. Over the past five years, resale prices have risen by approximately 14.8%.
With 43 years of lease remaining, buyers may face reduced CPF usage and lower bank loan limits. Selling sooner preserves your buyer pool and sale price.
All data is sourced from data.gov.sg and updated monthly.
Frequently Asked Questions
How much is a flat at Block 109 Lor 1 Toa Payoh?
Based on 20 recorded transactions, the median resale price is $409,000. The most recent sale was $409,000 in 2026-03.
Median by flat type (last 24 months)
Flat Type Most Recent Median
3 Room $409,000
What is my flat worth at Block 109?
The overall median resale price at Block 109 Lor 1 Toa Payoh is $409,000. Prices have risen 14.8% over the past 5 years.
How active is the resale market at Block 109?
Block 109 has recorded 20 resale transactions — roughly 0.8 sales per month over the past 24 months. The latest transaction closed in 2026-03.
What flat types are available at Block 109?
Block 109 Lor 1 Toa Payoh has 3 Room units.
How much can I unlock to upgrade if I sell my HDB at Block 109?
Selling to upgrade means planning both timelines and funds. Your proceeds split into cash in hand (for your next downpayment and transition costs) and CPF refund (returned to CPF OA). Use the What's Your Flat Worth? calculator above to estimate the equity you can deploy for your next home.
What is the remaining lease for Block 109?
Block 109 was built in 1970 with a 99-year lease. It has approximately 42 years 11 months remaining. Lease decay accelerates below 40 years and affects buyer CPF eligibility.
How long does it take to sell an HDB flat?
The standard HDB resale process takes approximately 8–12 weeks from granting the Option to Purchase (OTP) to the completion appointment. This includes HDB resale application, HDB valuation, CPF usage approval, and final appointment scheduling.
Can I sell my HDB flat without an agent?
Yes — HDB's resale portal allows you to handle the transaction yourself. However, for owners upgrading to their next home, an experienced agent helps align pricing, buyer negotiation, and completion timing so your next purchase is less exposed to delays. The typical 1–2% commission is often recovered through a stronger sale outcome.
What are the costs of selling an HDB flat?
Typical costs for a seller:
Agent commission ~1–2% of sale price
Legal / conveyancing ~S$500 (HDB) or ~S$2,000 (private)
HDB admin fee S$80
Seller stamp duty None (after MOP)
Total (est.) on $409,000 $8,760 to $10,260