Latest Sale
$370,000
2026-03 · 3 Room
How Much Is a Flat at Block 20 Lor 7 Toa Payoh Worth?
3 Room · Built 1970 · 43 years 05 months remaining MOP Cleared
Last updated: 13 Jun 2026
Median $/sqm
$3,851
Based on 41 txns
Total Txns
41
Since data available
5-Yr Trend
▲34.4%
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?
↑ Please select a storey band above to get your estimate.
Your Estimated Take-Home
▲ 34.4% 5-yr—
Cash
—
Yours to spend or invest freely
CPF Refund
—
Back to CPF OA — reusable for your next purchase
Market Value Estimate —
Est. Purchase Price
· Affects CPF accrued interest
−Deductions Breakdown —
Loan Type
Outstanding Loan (est.) —
CPF Principal (est.) —
CPF Accrued Interest (est.) —
+Selling Costs — view details →
Resale Levy
— 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
📊 Moderate activity — a specialist agent can position your flat to the right buyer.
Based on recent sales data · Updates monthly
Sold at this block (6mo)
3 flats ⚡
AVG. DAYS TO OFFER
~60 days
Transaction density proxy
BUYER DEMAND
4.9 / 10
Block Specialists
Connect with agents who know this block — coming soon.
Block Specialists
Connect with agents who know this block
Specialist 1
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Specialist 2
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Specialist 3
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
1 / 2
Specialist 1
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Specialist 2
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Specialist 3
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Specialist 4
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Specialist 5
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Specialist 6
535 transactions in Lor 7 Toa Payoh
Highest: $968,000
Agent profiles launching soon
Lease Clock
Sell Now 0 yrs 43 years left 99 yrs
Key threshold: 60 years
Buyer financing is already restricted
Your block has 43 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 41 total
| Date | Floor | Type | sqm | Price | $/sqm |
|---|---|---|---|---|---|
| 2026-03 | 04 TO 06 | 3 Room | 67 | $370,000 | $5,522 |
| 2025-12 | 04 TO 06 | 3 Room | 67 | $330,000 | $4,925 |
| 2025-12 | 07 TO 09 | 3 Room | 67 | $370,000 | $5,522 |
| 2024-10 | 01 TO 03 | 3 Room | 67 | $347,000 | $5,179 |
| 2024-07 | 07 TO 09 | 3 Room | 67 | $340,000 | $5,075 |
| 2024-05 | 10 TO 12 | 3 Room | 67 | $310,000 | $4,627 |
| 2024-03 | 10 TO 12 | 3 Room | 67 | $368,000 | $5,493 |
| 2023-12 | 01 TO 03 | 3 Room | 67 | $325,000 | $4,851 |
| 2023-11 | 10 TO 12 | 3 Room | 67 | $366,500 | $5,470 |
| 2023-11 | 07 TO 09 | 3 Room | 67 | $355,000 | $5,299 |
| 2023-08 | 04 TO 06 | 3 Room | 67 | $340,000 | $5,075 |
| 2023-07 | 10 TO 12 | 3 Room | 67 | $320,000 | $4,776 |
| 2023-07 | 07 TO 09 | 3 Room | 67 | $330,000 | $4,925 |
| 2023-06 | 04 TO 06 | 3 Room | 67 | $325,000 | $4,851 |
| 2023-05 | 04 TO 06 | 3 Room | 67 | $300,000 | $4,478 |
| 2023-03 | 04 TO 06 | 3 Room | 67 | $320,000 | $4,776 |
| 2021-10 | 04 TO 06 | 3 Room | 67 | $290,000 | $4,328 |
| 2021-06 | 01 TO 03 | 3 Room | 67 | $255,000 | $3,806 |
| 2021-05 | 07 TO 09 | 3 Room | 67 | $270,000 | $4,030 |
| 2021-03 | 07 TO 09 | 3 Room | 67 | $258,000 | $3,851 |
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About Block 20 Lor 7 Toa Payoh
Flats at Block 20 Lor 7 Toa Payoh have been selling at a median of $5,323/sqm, mainly 3-room flats at $356,667 median, with 3 transactions recorded.
The block is a 14-minute walk from Toa Payoh MRT Station (1093m) and is near Toa Payoh HDB Hub mall (1373m, 17 min walk). It is also near Pei Chun Public School (502m, 7 min walk), First Toa Payoh Primary School (792m, 10 min walk), and St Andrew'S School (Junior) (1680m, 21 min walk).
All data is sourced from data.gov.sg and updated daily.
What's Near Block 20 Lor 7 Toa Payoh?
Facilities and transport within a 15-minute walk. Walking times are route-based.
Nearby Schools
PEI CHUN PUBLIC SCHOOL 502m · 7 min
FIRST TOA PAYOH PRIMARY SCHOOL 792m · 10 min
Hawker Centres
Toa Payoh Lorong 7 Blk 22 (Kim Keat Palm Market and Food Centre) 96m · 2 min
Toa Payoh Lorong 5 Blk 75 636m · 8 min
Toa Payoh Lorong 4 Blk 74 (Toa Payoh Vista Market) 834m · 10 min
Community Facilities
Toa Payoh South CC (Pending relocation) 438m · 6 min
Toa Payoh Library 1018m · 13 min
Other Blocks on Lor 7 Toa Payoh
Frequently Asked Questions
How much is a flat at Block 20 Lor 7 Toa Payoh?
Based on 41 recorded transactions, the median resale price is $347,000. The most recent sale was $370,000 in 2026-03.
Median by flat type (last 24 months)
Flat Type Most Recent Median
3 Room $347,000
What is my flat worth at Block 20?
The overall median resale price at Block 20 Lor 7 Toa Payoh is $347,000. Prices have risen 34.4% over the past 5 years.
How much cash will I actually receive when I sell my flat at Block 20?
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 20 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 20?
Block 20 has recorded 41 resale transactions — roughly 1.7 sales per month over the past 24 months. The latest transaction closed in 2026-03.
What flat types are available at Block 20?
Block 20 Lor 7 Toa Payoh has 3 Room units.
How much can I unlock to upgrade if I sell my HDB at Block 20?
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 20?
Block 20 was built in 1970 with a 99-year lease. It has approximately 43 years 05 months remaining.
Does Block 20's remaining lease affect its resale value?
At 43 years remaining, CPF eligibility is increasingly age-dependent. Many buyers in their 30s and 40s face CPF pro-ration, reducing their effective purchasing power. Shorter bank loan tenures also raise monthly repayments for the same loan amount. Both effects narrow your buyer pool and tend to put downward pressure on price — selling sooner is worth considering.
When can I sell my flat at Block 20 Lor 7 Toa Payoh?
Flats at Block 20 Lor 7 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 $347,000 excl. levy $7,520 to $9,020