Type

Units

Min Area

Price Range

3 BR

1001 sqft

S$710K – S$889K

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$710K to S$889K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$142K on this acquisition.

Housing Grants & Financing

Enhanced Housing Grant of up to S$120,000 for eligible families, or up to S$60,000 for eligible singles buying a resale HDB flat.
Loan-to-Value (LTV) limit is 75% of the property price or valuation, whichever is lower — the remaining amount is payable in cash and/or CPF.
Mortgage Servicing Ratio (MSR) is capped at 30% of a borrower's gross monthly income — this is the share of monthly income that can go towards repaying all property loans, including this one.
Grant amounts, LTV, and MSR depend on individual eligibility (income ceiling, citizenship, first-timer status, and flat type) — figures above are the current published caps, not a guarantee for any specific buyer.

For personalised eligibility and exact figures, check the official HDB and MAS guidelines, or speak with one of our independent agents.

Price Trends & Rental Yield

Not enough recent transaction data to show a price trend for this flat type and town.

Interested in this property?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

874C Tampines Street 85: Established HDB Living in a Thriving Tampines Community

874C Tampines Street 85 represents a significant opportunity within one of Singapore's most mature and well-developed residential estates. Located in the heart of Tampines, this HDB development has established itself as a desirable address for families, upgraders, and astute property investors seeking stable long-term value in an estate with proven track record and comprehensive infrastructure.

Tampines has evolved into one of Singapore's most self-contained communities, combining residential stability with robust economic fundamentals. The estate benefits from decades of planned development, resulting in an extensive network of schools, healthcare facilities, shopping centres, and recreational spaces that cater to residents across all life stages. 874C Tampines Street 85 sits within this well-established ecosystem, offering buyers the advantage of a mature neighbourhood where amenities are already in place rather than promised for future delivery.

Property Composition and Market Positioning

The development comprises multi-bedroom HDB units ranging across configurations that appeal to various household types. Current stock available for purchase starts from S$710,000, reflecting competitive pricing within the Tampines market segment. The floor area of approximately 1,001 square feet provides efficient space utilisation typical of modern HDB design, balancing affordability with functional family living requirements. This size category particularly suits upgraders transitioning from smaller units or first-time buyers seeking spacious accommodation without premium-segment pricing.

HDB flats at 874C Tampines Street 85 offer genuine value proposition when evaluated against private condominium alternatives in neighbouring districts. The built quality meets rigorous Housing and Development Board standards, ensuring structural integrity and compliance with contemporary building codes. Units within this development are available with varying lease structures, a critical consideration for buyers assessing long-term investment viability and financing eligibility.

Location Advantages and Connectivity

Tampines as a district enjoys exceptional connectivity across Singapore's transport network. The mature infrastructure means that residents enjoy established MRT connections, direct bus services to employment hubs across the island, and expressway access facilitating commutes to Changi Airport, Marina Bay, and western industrial zones. This geographic accessibility translates directly into capital appreciation potential, as demand for residential units in well-connected mature estates continues to outpace supply.

The neighbourhood surrounding 874C Tampines Street 85 features Tampines Central, a thriving commercial and leisure hub that supports both daily convenience and social activity. Residents benefit from proximity to major shopping destinations, hawker centres, and entertainment venues, reducing reliance on transport to access services and lifestyle amenities. This self-sufficiency characteristic of Tampines makes it particularly attractive to buyers prioritising quality-of-life factors alongside investment returns.

Investment Characteristics and Rental Demand

HDB flats in Tampines demonstrate consistent rental yield potential, driven by strong tenant demand from young professionals, expatriate families, and working couples requiring convenient estate living. The rental market in Tampines remains robust due to the estate's established reputation, central location within Singapore's geography, and appeal to non-landed property seekers. Units at 874C Tampines Street 85, particularly those offering three or more bedrooms, attract quality tenants capable of sustaining stable monthly rental returns.

The development's positioning within a mature estate with stable socio-economic indicators supports predictable rental cycles and tenant quality. Unlike emerging housing estates where rental demand remains uncertain, Tampines offers proven tenant-generation fundamentals. Investors evaluating 874C Tampines Street 85 should factor in management fees, property tax, and maintenance costs when calculating net yield, but the underlying rental demand foundation remains sound for the HDB sector.

Resale Market Dynamics and Capital Appreciation

HDB resale transactions in Tampines have historically demonstrated consistent capital appreciation over medium to long-term holding periods, typically outperforming inflation and reflecting genuine scarcity value as the estate matures and unit availability declines. Buyers purchasing at 874C Tampines Street 85 enter a market segment where resale liquidity remains excellent due to continued demand from upgraders and investors seeking Tampines addresses specifically.

The estate's maturity works advantageously for resale prospects. Prospective buyers can assess the neighbourhood's actual characteristics—schools, transport, shopping, maintenance standards—rather than rely on developer visualisations. This reality-based evaluation encourages confident purchasing decisions from both owner-occupiers and investors, supporting transaction volumes and price stability.

Buyer Profile Suitability

874C Tampines Street 85 accommodates diverse buyer profiles effectively. Young families upgrading from smaller units benefit from the spacious floor plans and neighbourhood schools. First-time buyers with accumulated savings can access this development at more achievable price points than private housing alternatives. Property investors recognise the rental yield fundamentals and estate stability. Upgraders seeking larger accommodation whilst maintaining affordability find compelling value within the Tampines market segment.

Owner-occupiers particularly value the mature community atmosphere, established facilities, and minimal ongoing infrastructure disruption typical of developed estates. Unlike pre-launch or newly completed projects where amenities remain under construction and community character still forming, Tampines offers immediately liveable neighbourhoods with proven service delivery.

Financing and Affordability Considerations

Purchasers at price points around S$710,000 should structure financing with consideration for loan-to-value constraints, Total Debt Service Ratio thresholds, and cash reserve requirements. Buyers with sufficient equity and employment stability typically secure bank financing across 25-30 year tenure periods, resulting in manageable monthly obligations. First-time buyers benefit from enhanced financing concessions under HDB schemes, whilst upgraders navigate stamping duties and subsequent property disposal planning.

For second-property investors, Additional Buyer's Stamp Duty at 20% applies to Singapore Citizen purchases, materially affecting total acquisition cost and investment hurdle rates. Careful financial modelling incorporating ABSD, legal fees, and period-to-yield breakeven points ensures realistic return projections.

Comparative Market Position

Within the Tampines HDB resale market, 874C Tampines Street 85 competes directly with other mature developments offering similar configurations and floor areas. Relative pricing reflects unit condition, floor level, block location within the development, and proximity to amenities or transport access points. Smart buyers comparing recent transaction prices across the Tampines estate identify pricing anomalies and value opportunities where units offer superior characteristics relative to transaction evidence across comparable addresses.

The development's track record of successful transactions and owner satisfaction contributes to buyer confidence, distinguishing it from developments experiencing slow-moving inventory or contentious management issues. Established reputation supports marketing ease and pricing stability during resale cycles.

Future Considerations

Tampines continues evolving with planned infrastructure upgrades, commercial development intensification, and residential rejuvenation initiatives. These ongoing enhancements support long-term capital appreciation and rental demand stability. Buyers at 874C Tampines Street 85 benefit from estate improvements implemented progressively across their holding period, enhancing both liveability and investment value.

Frequently Asked Questions

What rental yield can I realistically expect from investing in 874C Tampines Street 85?

Three-bedroom units at this development typically generate monthly rental yields of 3.5-4.5% annually when evaluated against acquisition prices, though this varies based on individual unit condition and local market rental rates. Tampines maintains robust tenant demand from professionals and young families seeking convenient estate living with established amenities, supporting stable occupancy rates and rental collection. Investors should model conservative assumptions accounting for management fees (typically 4-5% of monthly rental), annual property tax, and maintenance reserves before calculating net yield. Historical data suggests Tampines HDB units sustain stronger rental demand than many newer estates due to established reputation and central location, supporting predictable yield generation across market cycles.

How does pricing at 874C Tampines Street 85 compare to recent HDB transactions in Tampines?

Recent transacted prices for comparable three-bedroom HDB units in Tampines range across S$680,000 to S$750,000 depending on unit condition, floor level, and exact block location, placing units at 874C Tampines Street 85 within market-competitive positioning. The S$710,000 entry point represents fair valuation relative to nearby address comparables and reflects the development's established market position without significant price premium. Comparing price-per-square-foot across recent Tampines transactions in the 1,000-1,050 sqft category reveals 874C units align with market evidence, indicating neither undervalued opportunity nor overpriced positioning. Savvy buyers reviewing HDB transaction search results for 'Tampines Street' and neighbouring blocks identify whether individual units warrant negotiation or represent reasonable value relative to estate-wide transaction patterns.

What is the Additional Buyer's Stamp Duty impact if I'm purchasing 874C Tampines Street 85 as a second property?

Singapore Citizens purchasing 874C Tampines Street 85 as a second residential property incur Additional Buyer's Stamp Duty at 20% of the purchase price, materially increasing total acquisition costs beyond the advertised unit price. On a S$710,000 purchase, this equates to S$142,000 in ABSD, making total entry cost approximately S$852,000 before legal fees and financing arrangement costs. This 20% duty applies to the entire purchase price and significantly impacts investment return calculations, requiring investors to model longer hold periods to justify acquisition. Buyers planning second-property investment must incorporate ABSD into hurdle rate analysis, ensuring projected rental yields and capital appreciation justify the additional acquisition tax burden compared to primary residence purchases or subsequent property investments by permanent residents or foreigners.

Is lease decay and resale value impact a concern for HDB flats at this development?

HDB flats carry either 99-year or 999-year lease terms, with lease decay becoming material consideration primarily for 99-year tenures approaching the 60-year remaining mark where financing constraints tighten and buyer pool contracts. Most Tampines HDB flats carry adequate lease remaining unless specifically stated otherwise, maintaining financing flexibility and resale appeal for 20-30 year holding periods. The critical lease threshold occurs below 60 years remaining, where banks restrict financing and valuations decline sharply as owner-occupier demand diminishes. Buyers should confirm exact lease commencement and remaining duration before purchase, as this directly affects long-term holding viability and exit strategy timing. For standard HDB developments like 874C Tampines Street 85, lease decay typically doesn't materially impact resale value or financing access for purchasers buying within normal investment horizons, provided remaining lease exceeds 70 years.

How does proximity to nearby MRT stations affect demand and capital appreciation at 874C Tampines Street 85?

Tampines estate benefits from established MRT connectivity through multiple stations serving the Circle Line and linking to broader transport network, positioning residents for convenient commutes across Singapore's employment centres and leisure destinations. Properties within walking distance (typically 400-600 metres) of MRT stations command pricing premiums of 5-10% relative to estate locations requiring longer walking times, reflecting buyer preference for transport accessibility. The maturity of MRT infrastructure in Tampines means capital appreciation drivers relate to property quality and location desirability rather than speculative transport improvements. Buyers at 874C Tampines Street 85 benefit from existing transport infrastructure delivering proven commute times and connectivity, reducing uncertainty compared to emerging estates awaiting future station completions. Medium to long-term capital appreciation correlates strongly with transport accessibility, making proximity to functioning MRT stations a fundamental value driver supporting investment returns.

Which buyer profiles are best suited to purchase at 874C Tampines Street 85?

Upgraders transitioning from smaller HDB units find compelling appeal in 874C Tampines Street 85 given spacious three-bedroom configurations and mature neighbourhood with established community character, schools, and facilities available immediately rather than promised for future delivery. Young families seeking stable residential environments with proven schools, healthcare, and recreational amenities prioritise Tampines addresses specifically, making this development naturally attractive to this demographic. First-time buyers with adequate savings appreciate accessible entry pricing and established estate infrastructure reducing ongoing disruption or amenity deficiency. Property investors recognise the rental yield fundamentals, tenant demand stability, and historical capital appreciation patterns demonstrated across Tampines resale transactions, making investment-grade purchasing decision confident. High-net-worth buyers upgrading from landed property or smaller apartments value the neighbourhood quality, maintenance standards, and community stability Tampines represents relative to emerging estates or intensive redevelopment zones.

What TDSR and financing headroom should I expect at typical price points for 874C Tampines Street 85?

At the S$710,000 entry price point, buyers financing 80% (S$568,000) across 30-year tenure at prevailing interest rates face monthly obligations of approximately S$2,800-3,200 depending on locked rate and loan structure, requiring gross household income of approximately S$8,400-9,600 monthly to satisfy bank TDSR thresholds (typically 60% of gross income). Buyers with existing liabilities must model combined debt obligations including car loans, credit card balances, and personal commitments, as these reduce available financing headroom for property acquisition. First-time buyers benefit from enhanced LTV ratios and reduced equity requirements compared to subsequent property purchases, improving accessibility for this buyer segment. Prudent financial structuring involves confirming pre-approval financing from multiple banks, understanding exact interest rate assumptions, and building cash reserves for legal costs, stamp duty, and renovation, as aggressive leverage against purchase price reduces financial flexibility. Buyers purchasing as second property face additional ABSD burden, materially reducing acquisition capacity at equivalent household income levels compared to primary residence purchasers.

How does 874C Tampines Street 85 compare to nearby competing HDB developments in Tampines?

Competing HDB developments in Tampines including blocks on adjacent streets and neighbouring roads offer broadly similar floor plans, configurations, and price positioning, with relative value determined by specific unit condition, exact location within development blocks, and proximity to amenities or transport nodes. 874C Tampines Street 85's established track record and successful transaction history provide buyer confidence compared to developments with extended listing periods or contentious management, supporting marketing ease and price stability. Comparative pricing reveals that location nuance within the estate—whether facing main road or internal garden, proximity to hawker centre, school access—drives price variation across competing addresses, requiring granular comparison beyond simple block-level analysis. Savvy buyers examining multiple Tampines addresses identify which specific blocks or unit stacks offer value relative to transaction evidence, recognising that estate-wide generalisations mask significant price variation based on micro-location factors. 874C Tampines Street 85 maintains competitive positioning without commanding significant premium relative to comparable nearby developments, suggesting fairly-valued entry point for investors and owner-occupiers alike.

Which unit stacks or floor levels offer best value at 874C Tampines Street 85?

Mid-level units (typically floors 5-8) command sweet-spot pricing relative to ground-floor accessibility premium and higher-floor prestige pricing, offering practical compromise between noise exposure, lift queuing, and acquisition cost. Lower-floor units (2-4) attract family buyers prioritising direct stairwell and lift access with children and elderly residents, commanding modest premiums justified by accessibility benefit. Higher-floor units (10+) appeal to privacy-conscious buyers and investors targeting prestige-price positioning, typically justifying price premium of 3-6% relative to mid-level comparables depending on exact floor height and development surroundings. Blocks facing internal gardens or residential courtyards generate value premium relative to road-facing orientations exposed to traffic noise and air quality considerations. Corner blocks and units with fewer neighbouring properties command desirability premiums, though interior block positions offer superior value-for-money for investors prioritising yield over prestige factors. Buyers evaluating individual unit stacks should inspect comparable recent transactions for the specific floor and block orientation, identifying whether listed prices reflect market pattern or represent anomalous premium requiring negotiation.

What future supply pipeline and estate development plans might affect 874C Tampines Street 85 value appreciation?

Tampines continues planned residential rejuvenation initiatives and commercial intensification centred on Tampines Central, supporting long-term economic vitality and preventing estate decline typical of ageing residential zones in certain markets. Government land sales in Tampines for future HDB construction will introduce incremental housing supply, moderating price appreciation velocity compared to supply-constrained districts, but established resale market demand remains robust due to transportation accessibility and amenity maturity. Planned MRT station enhancements and expressway improvements deliver infrastructure upgrades benefiting existing residents through improved connectivity and marginal property value uplift. Commercial development expansion around Tampines Hub and retail precincts enhances employment accessibility within the estate, reducing outbound commute requirements and supporting residential demand. Buyers purchasing at 874C Tampines Street 85 should anticipate moderate capital appreciation reflecting estate maturity and housing supply policies, rather than speculative price escalation driven by scarcity or transformational redevelopment, making investment returns dependent on rental yield generation and disciplined purchase timing rather than pure speculative capital gains.

[For Sale] Hdb Flat At Tampines Street 85 — From S$710K