How Much Is a Flat at Block 81A Lor 4 Toa Payoh Worth?

4 Room, 5 Room · Built 1997 · 69 years 11 months remaining MOP Cleared

Last updated: 13 Jun 2026

Latest Sale

$978,888

2026-05 · 4 Room

Median $/sqm

$7,125

Based on 12 txns

Total Txns

12

Since data available

5-Yr Trend

▲19.5%

vs 5 years ago

What Will You Actually Walk Away With?

Select your flat and storey. We'll calculate your estimated cash in hand, CPF refund, and all deductions — including accrued interest and resale levy.

Flat Type

Storey Band (closest to your floor)

How did you buy?

What are you thinking of buying next?

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

3.2 / 10

Block Specialists

Connect with agents who know this block — coming soon.

Lease Clock

Watch
0 yrs 69 years left 99 yrs

Key threshold: 60 years

Your flat is approaching a key resale threshold

Your block has 69 years of lease left. Today, buyers can still get full CPF and bank loans — no restrictions. But once the lease drops below 65 years, buyers who purchase now will struggle to resell after their MOP. The closer you get, the smaller your buyer pool becomes.

An agent who knows this block can position your flat now, before the window narrows.

Transaction History 12 total

Date Floor Type sqm Price $/sqm
2026-05 22 TO 24 4 Room 105 $978,888 $9,323
2025-04 22 TO 24 5 Room 122 $1,230,000 $10,082
2025-02 04 TO 06 4 Room 105 $875,888 $8,342
2024-12 22 TO 24 5 Room 121 $1,220,000 $10,083
2024-08 01 TO 03 5 Room 121 $910,000 $7,521
2021-12 25 TO 27 5 Room 121 $908,888 $7,511
2020-08 10 TO 12 5 Room 121 $780,000 $6,446
2019-02 13 TO 15 5 Room 122 $822,000 $6,738
2018-07 13 TO 15 5 Room 122 $821,000 $6,730
2018-03 04 TO 06 5 Room 121 $800,000 $6,612
2018-01 10 TO 12 4 Room 105 $670,000 $6,381
2017-01 04 TO 06 4 Room 103 $650,000 $6,311
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About Block 81A Lor 4 Toa Payoh

Flats at Block 81A Lor 4 Toa Payoh have historically sold at a median of $7,523/sqm, with 11 transactions on record.

The block is a 6-minute walk from Toa Payoh MRT Station (426m) and is near Toa Payoh HDB Hub mall (906m, 11 min walk). It is also near Kheng Cheng School (711m, 9 min walk), Pei Chun Public School (1372m, 17 min walk), and First Toa Payoh Primary School (1273m, 16 min walk).

All data is sourced from data.gov.sg and updated daily.

What's Near Block 81A Lor 4 Toa Payoh?

Facilities and transport within a 15-minute walk. Walking times are route-based.

MRT / LRT

TOA PAYOH MRT STATION 995m · 12 min
BRADDELL MRT STATION 994m · 12 min

Nearby Schools

KHENG CHENG SCHOOL 711m · 9 min

Hawker Centres

Toa Payoh Lorong 4 Blk 74 (Toa Payoh Vista Market) 606m · 8 min
Toa Payoh Lorong 4 Blk 93 454m · 6 min
Toa Payoh Lorong 5 Blk 75 843m · 11 min

Shopping Malls

Toa Payoh HDB Hub 906m · 11 min

Community Facilities

Toa Payoh Central CC (Pendng U/C) 617m · 8 min
Toa Payoh Library 594m · 8 min

Other Blocks on Lor 4 Toa Payoh

Block 80B Lor 4 Toa Payoh Block 81 Lor 4 Toa Payoh Block 81B Lor 4 Toa Payoh

Frequently Asked Questions

How much is a flat at Block 81A Lor 4 Toa Payoh?

Based on 12 recorded transactions, the median resale price ranges from $772,944 (4 Room) to $865,444 (5 Room). The most recent sale was $978,888 in 2026-05.

Median by flat type (last 24 months)

Flat Type Most Recent Median
4 Room $927,388
5 Room $1,220,000

What is my flat worth at Block 81A?

The overall median resale price at Block 81A Lor 4 Toa Payoh is $1,073,694. Prices have risen 19.5% over the past 5 years.

How much cash will I actually receive when I sell my flat at Block 81A?

Your gross sale proceeds are what the buyer pays. From that, three things are deducted: your outstanding loan, your CPF principal (all CPF savings used for the flat, returned to your CPF OA), and CPF accrued interest (the interest CPF calculates on those savings at 2.5% p.a., compounded annually). What remains after these deductions is your cash in hand. Use the What's Your Flat Worth? calculator above to estimate your actual cash take-home based on Block 81A prices.

What is CPF accrued interest and why does it reduce my sale proceeds?

When you buy a flat using CPF, those funds are considered a loan from your CPF OA to yourself. When you sell, CPF Board requires you to return the principal plus the interest those funds would have earned had they stayed in your OA — currently 2.5% per annum, compounded. This is not a penalty or a fee paid to anyone; the money goes back into your CPF OA. However, it does reduce your cash proceeds — and the longer you have owned the flat, the larger the accrued amount. Use the CPF Accrued Interest Calculator above to estimate your deduction before you decide to sell.

How active is the resale market at Block 81A?

Block 81A has recorded 12 resale transactions — roughly 0.5 sales per month over the past 24 months. The latest transaction closed in 2026-05.

What flat types are available at Block 81A?

Block 81A Lor 4 Toa Payoh has 4 Room, 5 Room units. Median prices range from $772,944 to $865,444.

How much can I unlock to upgrade if I sell my HDB at Block 81A?

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 81A?

Block 81A was built in 1997 with a 99-year lease. It has approximately 69 years 11 months remaining.

Does Block 81A's remaining lease affect its resale value?

At 70 years remaining, most buyers still qualify for full CPF usage. Buyers in their late 30s or older may see slight CPF caps depending on their age, but the effect on your buyer pool is small. Pricing at market rate remains straightforward.

When can I sell my flat at Block 81A Lor 4 Toa Payoh?

Flats at Block 81A Lor 4 Toa Payoh have cleared their 5-year Minimum Occupation Period (MOP) and are eligible for resale on the open market. You can list your flat now.

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
Resale levy S$15,000–S$55,000 (if applicable)
Seller stamp duty None (after MOP)
Total (est.) on $1,220,000 excl. levy $24,980 to $26,480