How Much Is a Flat at Block 232 Lor 8 Toa Payoh Worth?

3 Room · Built 1976 · 49 years 08 months remaining MOP Cleared

Last updated: 13 Jun 2026

Latest Sale

$340,000

2026-04 · 3 Room

Median $/sqm

$4,800

Based on 35 txns

Total Txns

35

Since data available

5-Yr Trend

▲35.6%

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

📊 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)

4 flats ⚡

AVG. DAYS TO OFFER

~45 days

Transaction density proxy

BUYER DEMAND

5.4 / 10

Block Specialists

Connect with agents who know this block — coming soon.

Lease Clock

Sell Now
0 yrs 49 years left 99 yrs

Key threshold: 60 years

Buyer financing is already restricted

Your block has 49 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 35 total

Date Floor Type sqm Price $/sqm
2026-04 10 TO 12 3 Room 65 $343,000 $5,277
2026-04 07 TO 09 3 Room 65 $340,000 $5,231
2026-04 04 TO 06 3 Room 65 $365,000 $5,615
2026-01 07 TO 09 3 Room 65 $345,000 $5,308
2025-09 04 TO 06 3 Room 65 $343,000 $5,277
2025-08 04 TO 06 3 Room 65 $383,000 $5,892
2025-07 04 TO 06 3 Room 65 $385,000 $5,923
2025-06 04 TO 06 3 Room 65 $363,000 $5,585
2025-06 07 TO 09 3 Room 65 $368,000 $5,662
2024-11 10 TO 12 3 Room 65 $382,000 $5,877
2024-05 10 TO 12 3 Room 65 $383,000 $5,892
2023-12 07 TO 09 3 Room 65 $360,000 $5,538
2023-08 07 TO 09 3 Room 65 $360,000 $5,538
2023-05 10 TO 12 3 Room 65 $342,000 $5,262
2022-08 04 TO 06 3 Room 65 $322,000 $4,954
2022-07 10 TO 12 3 Room 65 $330,000 $5,077
2022-02 10 TO 12 3 Room 65 $330,000 $5,077
2021-10 10 TO 12 3 Room 65 $250,000 $3,846
2020-12 07 TO 09 3 Room 65 $252,000 $3,877
2020-11 10 TO 12 3 Room 65 $260,000 $4,000
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About Block 232 Lor 8 Toa Payoh

Flats at Block 232 Lor 8 Toa Payoh have been selling at a median of $5,358/sqm — down 5.5% over the last 6 months, mainly 3-room flats at $348,250 median, with 4 transactions recorded.

The block is a 21-minute walk from Potong Pasir MRT Station (1703m) and is near Toa Payoh HDB Hub mall (1893m, 23 min walk). It is also near Pei Chun Public School (699m, 9 min walk), First Toa Payoh Primary School (714m, 9 min walk), and St Andrew'S School (Junior) (1497m, 18 min walk).

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

What's Near Block 232 Lor 8 Toa Payoh?

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

Nearby Schools

PEI CHUN PUBLIC SCHOOL 699m · 9 min
FIRST TOA PAYOH PRIMARY SCHOOL 714m · 9 min

Hawker Centres

Toa Payoh Lorong 7 Blk 22 (Kim Keat Palm Market and Food Centre) 626m · 8 min
Toa Payoh Lorong 8 Blk 210 852m · 11 min
Toa Payoh Lorong 5 Blk 75 1155m · 14 min

Community Facilities

Toa Payoh South CC (Pending relocation) 482m · 6 min

Other Blocks on Lor 8 Toa Payoh

Block 11 Lor 8 Toa Payoh Block 233 Lor 8 Toa Payoh Block 230 Lor 8 Toa Payoh

Frequently Asked Questions

How much is a flat at Block 232 Lor 8 Toa Payoh?

Based on 35 recorded transactions, the median resale price is $364,000. The most recent sale was $340,000 in 2026-04.

Median by flat type (last 24 months)

Flat Type Most Recent Median
3 Room $364,000

What is my flat worth at Block 232?

The overall median resale price at Block 232 Lor 8 Toa Payoh is $364,000. Prices have risen 35.6% over the past 5 years.

How much cash will I actually receive when I sell my flat at Block 232?

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 232 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 232?

Block 232 has recorded 35 resale transactions — roughly 1.5 sales per month over the past 24 months. The latest transaction closed in 2026-04.

What flat types are available at Block 232?

Block 232 Lor 8 Toa Payoh has 3 Room units.

How much can I unlock to upgrade if I sell my HDB at Block 232?

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 232?

Block 232 was built in 1976 with a 99-year lease. It has approximately 49 years 08 months remaining.

Does Block 232's remaining lease affect its resale value?

At 49 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 232 Lor 8 Toa Payoh?

Flats at Block 232 Lor 8 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 $364,000 excl. levy $7,860 to $9,360