Type

Units

Min Area

Price Range

3 BR

1260 sqft

S$1.3M

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1.3M.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$258K on this acquisition.
Located 13 min (1.07 km) from EW22 Dover MRT Station.

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.

425 Clementi Avenue 1: A Mature HDB Development in a Well-Established Neighbourhood

425 Clementi Avenue 1 stands as a key residential landmark in Clementi, one of Singapore's most sought-after Housing and Development Board estates. Located on Clementi Avenue 1, this development serves as a gateway to a neighbourhood characterised by stable property values, excellent amenities, and reliable transport connectivity. The building forms part of a broader residential precinct that has matured over decades, creating a strong sense of community and well-established social infrastructure.

The development's positioning within Clementi offers residents proximity to a comprehensive range of daily necessities and lifestyle options. Local shopping centres, hawker stalls, supermarkets, and dining establishments are scattered throughout the estate, ensuring that everyday errands can be accomplished with minimal travel. This mature neighbourhood appeal makes the development attractive to families seeking a settled, established community rather than newly developed areas with less-proven track records.

Transport Connectivity and Strategic Location

One of the most significant advantages of 425 Clementi Avenue 1 is its position relative to Dover MRT Station on the East-West Line. Located approximately 13 minutes on foot and just over 1 kilometre away, Dover MRT provides direct rail access to employment hubs across Singapore, including the central business district, Jurong industrial zone, and emerging office precincts in the east. This accessibility is crucial for working professionals and investors seeking properties with strong rental demand from tenants reliant on public transport.

The East-West Line itself traverses some of Singapore's most economically vibrant areas, connecting Clementi to major commercial zones and residential concentrations. This makes the development particularly appealing to those who work in corridors served by the MRT system, as the commute time and cost advantages translate directly into property desirability. The reliability and frequency of MRT services further enhance the neighbourhood's appeal, supporting both owner-occupier and investment-focused purchasing decisions.

Unit Configurations and Living Spaces

The development comprises residential units configured as three-bedroom and two-bathroom homes, layouts that strike a balance between space efficiency and affordability. These configurations are among the most popular in the HDB market, as they accommodate growing families, multi-generational households, and professional couples seeking room for home offices or guest accommodation. The built-up area of units typically ranges around 1,260 square feet, providing ample living space without excessive maintenance demands or utility costs.

The three-bedroom configuration has proven particularly resilient in the resale market, as it appeals to a broad cross-section of buyers at various life stages. Young families upgrading from one-bedroom flats find these units ideal for children's bedrooms and living space expansion, whilst older owners downsizing from larger private properties appreciate the comfort without requiring a sprawling footprint. This flexibility in end-user demand underpins strong resale liquidity and capital appreciation potential.

Pricing and Market Positioning

Units at 425 Clementi Avenue 1 are available from S$1,290,000 onwards, reflecting the development's established status and prime location within the Clementi estate. This pricing positions the development competitively within the secondary HDB resale market, offering value that appeals to upgraders and investors alike. The per-square-foot valuations align with broader Clementi market trends, where lease age, proximity to MRT, and unit configuration drive pricing dynamics.

Price discovery in this segment occurs through open-market transactions, with the HDB's resale approval process ensuring transparent pricing and protecting both buyer and seller interests. Buyers should note that recent comparable transactions in Clementi have demonstrated sustained demand for well-maintained units in convenient locations, supporting the premise that 425 Clementi Avenue 1 units will maintain competitive positioning as the property market evolves.

Investment and Rental Potential

For investors evaluating 425 Clementi Avenue 1 as a rental asset, the development's location offers compelling fundamentals. The proximity to Dover MRT and Clementi's established amenity base create consistent tenant demand, particularly among young professionals, relocating families, and expatriate workers seeking convenient, affordable accommodation. The three-bedroom configuration commands robust rental rates, as demand from families frequently outstrips supply in mature estates.

Rental yields in the Clementi area have historically remained stable, supported by the neighbourhood's appeal and transport connectivity. Investors purchasing at current price points can expect rental income that supports mortgage servicing while building equity through capital appreciation. The HDB's framework for renting out owned units remains straightforward, with approved minimum lease periods and rental rates subject to market forces rather than artificial caps.

Lease Tenure and Long-Term Ownership Considerations

As an HDB property, units at 425 Clementi Avenue 1 are held on a 99-year lease, a tenure structure that defines ownership conditions and resale dynamics. The 99-year lease provides substantial value during the initial decades of ownership, with resale demand remaining robust throughout the first 50 to 60 years of the lease term. Prospective buyers should factor in that lease decay begins to influence valuation more noticeably beyond the 60-year mark, a consideration less critical for near-term purchasers but relevant for long-term investment horizons.

The HDB's framework around lease tenure is transparent and well-established, with secondary market pricing reflecting lease age as a variable. Buyers at this juncture benefit from acquiring units with approximately 95+ years remaining on the lease, meaning resale value protection extends across multiple decades. This lease profile supports capital preservation and appreciation potential, particularly for those planning to hold the property for 20 to 30 years before any potential downgrade to smaller units or relocations.

Neighbourhood Character and Community Amenities

Clementi has evolved into one of Singapore's most complete residential ecosystems, with schools, healthcare facilities, recreational spaces, and commercial establishments distributed throughout the estate. 425 Clementi Avenue 1 residents benefit from proximity to primary and secondary schools, clinics, and community centres that serve the broader Clementi population. This infrastructure maturity ensures that families can access essential services without extensive travel, supporting both quality of life and property desirability.

The neighbourhood's relative stability and established character appeal to buyers seeking a settled residential environment. Unlike emerging new towns still building out infrastructure, Clementi offers proven amenities and predictable community dynamics, factors that support consistent property valuations and resale demand across market cycles.

Suitability Across Buyer Profiles

The development serves multiple buyer archetypes effectively. First-time homebuyers appreciate the affordability entry point and the breadth of amenities available in the Clementi precinct, whilst upgraders moving from smaller units value the additional bedroom and bathroom space. Investors identify strong fundamentals in transport connectivity and rental appeal, whilst owner-occupiers benefit from the neighbourhood's maturity and social infrastructure. This broad appeal underpins market liquidity and reduces downside risk associated with ownership.

Frequently Asked Questions

What rental yield can I expect if I purchase a unit at 425 Clementi Avenue 1 as an investment property?

Rental yields for three-bedroom HDB units in Clementi typically range between 3% and 4% net per annum, depending on the specific unit's condition, floor level, and exact lease remaining. At the current price point of S$1.29 million and above, monthly rental rates for comparable units in the area typically attract between S$4,200 and S$4,800, translating into gross yields of around 4% to 4.5% before accounting for property tax and maintenance costs. The proximity to Dover MRT Station significantly bolsters tenant demand, as young professionals and families prioritise transport accessibility, meaning units in this development experience lower vacancy periods and stronger rental stability compared to more remote HDB estates.

How does the price per square foot at 425 Clementi Avenue 1 compare to recent HDB transactions in Clementi?

Units at 425 Clementi Avenue 1 are priced at approximately S$1,024 per square foot based on the S$1.29 million asking price for a 1,260 square foot unit, positioning the development competitively within Clementi's secondary HDB resale market. Recent comparable transactions in the Clementi area for three-bedroom units have ranged between S$950 and S$1,100 per square foot, depending on factors such as lease remaining, floor level, unit condition, and proximity to MRT stations. The development's established location and convenient Dover MRT access support pricing at the higher end of this range, reflecting market recognition of its transport and amenity advantages over units in less connected or newer HDB estates.

What is the Additional Buyer's Stamp Duty impact if I purchase 425 Clementi Avenue 1 as a second property?

Singapore Citizens purchasing 425 Clementi Avenue 1 as a second residential property incur Additional Buyer's Stamp Duty at the rate of 20% on the purchase price, a significant cost that must be factored into acquisition budgeting. For a purchase price of S$1.29 million, the ABSD liability would amount to S$258,000, payable to the Inland Revenue Authority of Singapore at the point of execution of the transfer deed. This 20% ABSD applies whether the buyer intends to occupy the unit or hold it as a rental investment, making second-property acquisitions materially more expensive than first-property purchases and requiring careful financial modelling to confirm that investment returns justify the additional duty burden.

How much lease decay should concern me, and will this impact resale value significantly in the near term?

Units at 425 Clementi Avenue 1 are held on a 99-year lease, meaning current units have approximately 95+ years remaining, a lease duration that poses minimal resale risk for purchasers planning to hold for 15 to 30 years. The HDB resale market demonstrates robust demand for units with more than 70 years remaining, with meaningful valuation impacts only becoming apparent beyond the 60-year threshold, which is still several decades away for properties in this development. Buyers should note that lease decay reduces maximum borrowing capacity in the later years of ownership, a consideration most relevant for purchasers intending to hold well into their seventies or for multi-generational ownership scenarios; for typical owner-occupiers and medium-term investors, the current lease profile provides substantial value protection.

How does proximity to Dover MRT Station influence long-term demand and capital appreciation at this development?

Dover MRT Station's position on the East-West Line, combined with its 13-minute walk from the development, creates a durable competitive advantage that supports consistent tenant demand and capital appreciation potential. MRT accessibility is one of the primary drivers of HDB resale values and rental appeal, as it reduces transport costs for commuting households and expands the geographic pool of potential tenants to include workers employed across the entire East-West Line corridor and connected interchange stations. Properties with reliable MRT access within walking distance have historically outperformed those in car-dependent or bus-reliant locations during both growth phases and market corrections, suggesting that 425 Clementi Avenue 1's proximity to Dover MRT will support long-term value preservation and above-average appreciation as the broader transport network becomes more congested.

Is 425 Clementi Avenue 1 suitable for different buyer profiles, and which segments benefit most?

The development appeals effectively to first-time homebuyers attracted by the three-bedroom configuration and established Clementi neighbourhood offering complete amenities without the premium pricing of central locations; to upgraders moving from smaller units who value the additional bedroom and bathroom space combined with proven resale liquidity; and to investors seeking rental-yielding assets in transport-connected estates with stable tenant demand. Owner-occupiers particularly benefit from Clementi's mature social infrastructure, schools, and healthcare facilities, whilst investors appreciate the combination of affordable entry price, strong rental fundamentals driven by Dover MRT proximity, and broad end-user appeal that reduces execution risk during resale. The development's broad suitability across buyer segments means that no single profile dominates the market, supporting healthy resale turnover and price stability.

What TDSR and financing headroom should I expect at current price points for this development?

At the asking price of S$1.29 million, buyers financing through HDB housing loans can typically borrow up to 80% of the purchase price (S$1.032 million), with the balance financed through cash or bank loans subject to TDSR limits. The Total Debt Servicing Ratio cap of 60% for HDB loans means that a purchaser with a monthly gross income of S$6,500 can theoretically service a monthly HDB instalment of S$3,900, comfortably covering an HDB loan of around S$1 million at 2.6% per annum over 25 years. Buyers should note that TDSR calculations include all existing personal debt (car loans, credit cards, other mortgages), meaning those with significant existing liabilities will have reduced headroom; first-time buyers and upgraders without substantial debt typically experience adequate financing capacity at the current price point.

How does 425 Clementi Avenue 1 compare to competing HDB developments in nearby areas like Bukit Merah or Tiong Bahru?

Clementi estates including 425 Clementi Avenue 1 compete primarily with HDB developments in Bukit Merah (south of the Singapore River) and the historical Tiong Bahru precinct, with key differentiation coming from transport connectivity, neighbourhood maturity, and pricing. Tiong Bahru commands significant premiums (often S$1.35 million and above for comparable three-bedroom units) due to its proximity to the city centre, cultural heritage status, and scarcity value, making it unaffordable for many upgraders and investors. Bukit Merah offers better value than Tiong Bahru but typically lacks the established amenity breadth of Clementi, with some areas facing longer walks to MRT stations; 425 Clementi Avenue 1 thus sits in a compelling value sweet spot, offering robust MRT accessibility, comprehensive neighbourhood facilities, and lower acquisition costs than premium central estates, making it an attractive option for price-sensitive buyers unwilling to compromise on location fundamentals.

Which unit stack or floor level offers the best value at 425 Clementi Avenue 1?

Lower-floor units (levels 1-10) and mid-floor units (levels 11-20) typically command lower per-square-foot valuations than higher floors, offering value to investors prioritising rental yield over aesthetic preferences, as older tenants and families with young children often prefer ground-proximate units for safety and accessibility reasons. Higher-floor units (levels 21 and above) attract price premiums of 5% to 10% per square foot due to reduced noise, improved privacy, and enhanced views, with the premium more pronounced in waterfront or greenspace-adjacent locations; at 425 Clementi Avenue 1, floor level premiums are modest given the estate's density and established urban character. Buyers should focus less on floor level premiums and more on unit condition, remaining lease, and specific flat layout, as these factors more substantially influence long-term value; mid-floor units often offer the optimal balance of value and tenant appeal for investors.

What is the future supply pipeline in Clementi, and how might new HDB developments affect resale values here?

Clementi has reached maturity in the HDB development cycle, with most available land parcels either occupied by existing estates or designated for specific infrastructure and commercial uses; future HDB supply growth in the immediate Clementi area is limited, meaning new residential competition will likely come from nearby emerging estates in areas like Bukit Batok or future infill development on underutilised sites. The scarcity of new HDB supply in Clementi itself is a protective factor for existing developments like 425 Clementi Avenue 1, as upgraders and investors will continue to compete for a relatively fixed pool of available units, supporting continued resale demand and price stability. The Urban Redevelopment Authority's long-term planning maps suggest Clementi will remain a stable, mature estate without large-scale new HDB development, meaning that 425 Clementi Avenue 1 units will not face significant competitive pressure from newly launched neighbouring projects, a favourable dynamic for capital preservation.

Hdb Flat At 425 Clementi Avenue 1 — From S$1.3M