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

4 Room, 5 Room · Built 1997 · 70 years 02 months remaining MOP Cleared

Last updated: 13 Jun 2026

Latest Sale

$980,000

2026-01 · 5 Room

Median $/sqm

$6,748

Based on 16 txns

Total Txns

16

Since data available

5-Yr Trend

▲17.9%

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

3.1 / 10

Block Specialists

Connect with agents who know this block — coming soon.

Lease Clock

Watch
0 yrs 70 years left 99 yrs

Key threshold: 60 years

Your flat is approaching a key resale threshold

Your block has 70 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 16 total

Date Floor Type sqm Price $/sqm
2026-01 01 TO 03 5 Room 121 $980,000 $8,099
2023-09 04 TO 06 4 Room 103 $816,888 $7,931
2023-01 16 TO 18 4 Room 105 $805,000 $7,667
2022-08 16 TO 18 4 Room 105 $805,000 $7,667
2022-01 16 TO 18 5 Room 122 $845,000 $6,926
2022-01 01 TO 03 4 Room 105 $669,888 $6,380
2021-12 22 TO 24 5 Room 122 $910,000 $7,459
2021-09 16 TO 18 5 Room 122 $810,000 $6,639
2021-02 22 TO 24 4 Room 105 $720,000 $6,857
2020-12 07 TO 09 5 Room 121 $785,000 $6,488
2019-09 19 TO 21 5 Room 122 $838,000 $6,869
2019-02 07 TO 09 4 Room 103 $665,000 $6,456
2018-02 01 TO 03 5 Room 121 $700,000 $5,785
2017-11 04 TO 06 4 Room 105 $630,000 $6,000
2017-03 10 TO 12 4 Room 105 $680,000 $6,476
2017-02 04 TO 06 4 Room 103 $667,800 $6,483
Page 1 of 1

About Block 81B Lor 4 Toa Payoh

Flats at Block 81B Lor 4 Toa Payoh have been selling at a median of $8,099/sqm, mainly 5-room flats at $980,000 median, with 1 transaction recorded.

The block is a 6-minute walk from Toa Payoh MRT Station (429m) and is near Toa Payoh HDB Hub mall (728m, 9 min walk). It is also near Kheng Cheng School (591m, 8 min walk), Pei Chun Public School (1194m, 15 min walk), and First Toa Payoh Primary School (1095m, 14 min walk).

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

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

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

MRT / LRT

TOA PAYOH MRT STATION 875m · 11 min
BRADDELL MRT STATION 816m · 10 min

Nearby Schools

KHENG CHENG SCHOOL 591m · 8 min
PEI CHUN PUBLIC SCHOOL 1194m · 15 min
FIRST TOA PAYOH PRIMARY SCHOOL 1095m · 14 min

Hawker Centres

Toa Payoh Lorong 4 Blk 93 277m · 4 min
Toa Payoh Lorong 4 Blk 74 (Toa Payoh Vista Market) 429m · 6 min
Toa Payoh Lorong 5 Blk 75 665m · 8 min

Shopping Malls

Toa Payoh HDB Hub 728m · 9 min

Parks

TOA PAYOH TOWN PK 1092m · 14 min

Community Facilities

Toa Payoh Central CC (Pendng U/C) 439m · 6 min
Toa Payoh Library 417m · 6 min

Other Blocks on Lor 4 Toa Payoh

Block 81A Lor 4 Toa Payoh Block 85A Lor 4 Toa Payoh Block 80B Lor 4 Toa Payoh

Frequently Asked Questions

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

Based on 16 recorded transactions, the median resale price ranges from $680,000 (4 Room) to $838,000 (5 Room). The most recent sale was $980,000 in 2026-01.

Median by flat type (last 24 months)

Flat Type Most Recent Median
4 Room $680,000 (all-time)
5 Room $980,000

What is my flat worth at Block 81B?

The overall median resale price at Block 81B Lor 4 Toa Payoh is $980,000. Prices have risen 17.9% over the past 5 years.

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

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 81B 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 81B?

Block 81B has recorded 16 resale transactions — roughly 0.7 sales per month over the past 24 months. The latest transaction closed in 2026-01.

What flat types are available at Block 81B?

Block 81B Lor 4 Toa Payoh has 4 Room, 5 Room units. Median prices range from $680,000 to $838,000.

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

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 81B?

Block 81B was built in 1997 with a 99-year lease. It has approximately 70 years 02 months remaining.

Does Block 81B'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 81B Lor 4 Toa Payoh?

Flats at Block 81B 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 $980,000 excl. levy $20,180 to $21,680