Type

Units

Min Area

Price Range

2 BR

699 sqft

S$450K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$450K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$90,000 on this acquisition.
Located 2 min (140 m) from NS18 Braddell 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.

110 Lorong 1 Toa Payoh: Established HDB Living in a Vibrant Central Estate

110 Lorong 1 Toa Payoh stands as a well-positioned housing development within one of Singapore's most established public housing estates. Situated in the heart of Toa Payoh, the development enjoys the advantage of being part of a mature neighbourhood that has evolved into a thriving residential and commercial hub over several decades. The estate's central location within Singapore makes it an attractive option for buyers seeking the balance between affordability and urban convenience.

The development's defining feature is its immediate proximity to Braddell MRT Station on the North-South Line, located merely two minutes' walk away at a distance of 140 metres. This exceptional transport connectivity positions 110 Lorong 1 as a highly accessible address for daily commuters and frequent travellers. The North-South Line's extensive network means residents enjoy direct access to the central business district, Marina Bay, and northern suburban areas without requiring transfers or lengthy journeys.

Location and Connectivity

Toa Payoh has matured into a self-contained district offering far more than residential accommodation. The neighbourhood encompasses a dense network of shopping malls, including the major retail anchors that serve the wider eastern region. Multiple hawker centres and food courts provide extensive dining options reflecting Singapore's multicultural culinary heritage. The estate's recreational spaces, including parks and community gardens, foster an active and engaged resident community.

The area's accessibility extends beyond public transport. Major roads such as Lorong 6 Toa Payoh and Upper Boon Keng Road facilitate vehicular movement for those requiring private transport. The proximity to the Kallang district and arterial routes connecting to expressways make the location practical for business travellers and those with flexible workplace locations.

Housing Stock and Market Positioning

As an established HDB development, 110 Lorong 1 represents the type of public housing that forms the backbone of Singapore's residential landscape. The development comprises units in various configurations, serving diverse household compositions and life stages. Current offerings range from compact layouts suitable for couples and small families through to larger arrangements for growing households. Pricing from S$450,000 reflects the competitive position of Toa Payoh properties within the broader HDB resale market, particularly for developments benefiting from exceptional transport links.

The development's pricing strategy appeals to multiple buyer segments. First-time buyers seeking entry into home ownership find the price points accessible relative to mortgage serviceability requirements. Upgraders moving from smaller units or other estates view the property as offering improved living standards without stretching financial capacity. Investors considering HDB acquisitions recognise the income generation potential supported by consistent rental demand in this central location.

Estate Amenities and Services

Living within 110 Lorong 1 provides access to the comprehensive facilities typical of Singapore's mature HDB estates. Childcare centres operate within the neighbourhood, supporting working parents and young families. Medical services including polyclinics and private clinics are conveniently located throughout the estate. Educational institutions from primary schools through secondary establishments serve the resident population, with many institutions of strong reputation within the district.

The estate's infrastructure reflects decades of development and maintenance investment. Regular upgrading programmes ensure facilities remain functional and contemporary. Community centres host cultural events, fitness programmes, and educational activities that strengthen neighbourhood bonds and resident wellbeing. The mature landscaping throughout Toa Payoh creates a pleasant environment that balances urban density with green space.

Investment and Ownership Considerations

Properties at 110 Lorong 1 appeal to owner-occupiers prioritising location and value alongside investment buyers evaluating rental yield potential. The development's position on a main transport corridor generates consistent tenant interest from professionals working across Singapore. The established nature of the estate means the rental market is mature and liquid, with predictable demand patterns.

For second-property buyers who are Singapore Citizens, understanding the ABSD implications proves essential. The Additional Buyer's Stamp Duty on a second residential property stands at 20%, adding material cost to the acquisition. This duty requires careful financial planning and consideration within the overall investment thesis. First-time buyer exemptions do not apply to second purchases, making ABSD a factor for portfolio building strategies.

The development's position within Toa Payoh's broader supply ecosystem influences medium to long-term appreciation potential. The district has limited new HDB construction capacity given the established nature of the area, which supports scarcity value for existing stock. Capital appreciation typically correlates with transport improvements, estate upgrading initiatives, and broader economic development in the surrounding region.

Buyer Suitability and Use Cases

Different buyer profiles find compelling reasons to consider 110 Lorong 1. High-net-worth individuals seeking portfolio diversification view HDB investments as stable, liquid assets with underlying land value. Upgraders transitioning from smaller public housing appreciate improved space and facilities whilst maintaining affordability. Young professionals and couples prioritise the transport convenience and central location for career advancement and social access.

Owner-occupiers benefit from the mature estate's comprehensive amenities and established community character. The neighbourhood's long operating history means services are mature, reliable, and well-integrated with resident expectations. Investors recognise the alignment between the property type, location, and tenant demographics seeking convenience-first housing solutions.

Market Context and Positioning

Toa Payoh's HDB properties command attention within the broader Singapore resale market due to their central positioning and transport superiority. Compared to developments in peripheral new towns, established central estates command price premiums justified by location and connectivity. The district's property values have demonstrated resilience through economic cycles, reflecting the enduring appeal of central location.

The development's pricing aligns with recent transactional evidence from comparable Toa Payoh properties. Price per square foot metrics reflect the estate's maturity and market positioning relative to newer builds in growth areas. Supply constraints typical of established estates support relative price stability, particularly for well-maintained stock in accessible locations.

110 Lorong 1 Toa Payoh represents the accessible face of central Singapore living. The combination of location, connectivity, established amenities, and competitive pricing creates a compelling proposition for diverse buyer segments. The development exemplifies how Singapore's mature housing estates continue to serve essential roles within the residential market, offering practical solutions for those prioritising location, affordability, and lifestyle convenience.

Frequently Asked Questions

What rental yield can I expect if I purchase a unit at 110 Lorong 1 Toa Payoh as an investment?

HDB developments in central locations like 110 Lorong 1 typically generate gross rental yields in the region of 3–4% annually, calculated on current market prices for similar units. The actual yield depends on factors including unit configuration, floor level, and prevailing rental demand for two-bedroom and three-bedroom layouts in the Toa Payoh district. The development's exceptional proximity to Braddell MRT Station supports consistent tenant interest from working professionals seeking convenient commutes, which underpins rental stability and occupancy rates. Investors should conduct detailed financial modelling based on specific unit acquisition costs and projected holding periods to determine net yield after expenses such as conservancy fees, property tax, and void periods.

How does the price per square foot at 110 Lorong 1 compare to recent HDB transactions in Toa Payoh?

Properties at 110 Lorong 1 sit within the current price range for resale HDB units across Toa Payoh, with recent transactions suggesting price per square foot valuations aligned to the estate's maturity and transport positioning. Central HDB developments with direct MRT access typically command premiums over peripheral estates, reflecting the transport convenience and accessibility benefits. Comparing transactional evidence across the broader Toa Payoh district, established developments along main transport corridors maintain consistent pricing relative to supply availability and market demand. Buyers should review recent PropertyGuru transaction data and HDB-published price indices to contextualise 110 Lorong 1's pricing within the district's broader market movements.

What is the ABSD impact if I am a Singapore Citizen purchasing a second residential property at 110 Lorong 1?

Singapore Citizens purchasing a second residential property face an Additional Buyer's Stamp Duty of 20%, which represents a material acquisition cost that must be factored into investment or upgrade decisions. For a property priced at S$450,000, the ABSD would amount to S$90,000, significantly increasing the total cash outlay required at purchase completion. This duty applies regardless of whether the second property is intended for owner-occupancy or investment, and it applies in addition to standard Stamp Duty payable on the purchase price. Buyers should confirm with legal counsel and financial advisors how ABSD impacts their financing capacity, mortgage serviceability, and overall investment returns when evaluating acquisition decisions at 110 Lorong 1.

Does lease decay present a risk to resale value if the property is sold in future decades?

110 Lorong 1 Toa Payoh is an HDB development, and HDB properties operate under 99-year leasehold tenure from the date of initial grant by the Housing and Development Board. The HDB lease framework means that lease decay becomes a material consideration for resale values, particularly as the lease term falls below 80 years remaining. Properties with shorter remaining lease terms typically experience valuation pressure as financing options become constrained and end-buyer pools narrow. Current HDB policy permits lease renewal in specific circumstances, but these conditions and eligibility criteria should be verified with the HDB directly. Long-term buyers should consider the lease remaining at purchase and model how lease decay might influence future resale value and financing availability.

How does proximity to Braddell MRT Station affect property demand and capital appreciation potential?

Direct proximity to a functioning MRT station significantly amplifies property attractiveness and supports sustained capital appreciation, as transport connectivity is consistently valued by Singapore's residential market across all buyer segments. 110 Lorong 1's location within a two-minute walk of Braddell MRT creates a premium positioning relative to HDB developments further from transport nodes, translating into stronger tenant demand for rental properties and broader buyer interest for owner-occupancy. The North-South Line's extensive coverage of central and northern Singapore ensures the transport connection remains strategically valuable across economic cycles and development timelines. Historical evidence suggests HDB properties within 400 metres of MRT stations outperform broader market appreciation trends, particularly in established estates where new supply is constrained and transport improvement opportunities are limited.

Which buyer profiles are best suited to purchasing at 110 Lorong 1, and why?

First-time buyers benefit from the development's competitive pricing, established estate infrastructure, and proximity to essential services, making it an accessible entry point into home ownership without requiring stretch financing. Upgraders moving from smaller studio or one-bedroom configurations find improved living space and facilities whilst maintaining affordability relative to private property alternatives or newer town developments. Young professionals and dual-income couples prioritise the central location and transport convenience for career flexibility and social access across Singapore. Investors recognise the combination of stable tenant demand, liquid resale market, and land value underpinning as components of a diversified property portfolio. High-net-worth individuals building multi-property portfolios appreciate HDB's role as stable, lower-volatility assets with predictable income generation and capital preservation characteristics.

What TDSR headroom exists for typical buyers financing a purchase at 110 Lorong 1 at the current price range?

Total Debt Servicing Ratio requirements typically limit mortgage eligibility to 60% of gross monthly income for HDB purchases, though this can extend to 80% under certain MAS guidelines depending on employment stability and income documentation. For a property priced at S$450,000 with a 80% loan quantum (S$360,000), monthly mortgage servicing costs at current interest rates would require gross monthly household income in the region of S$6,000–S$7,000, dependent on existing debt obligations. First-time buyers may benefit from extended eligibility periods and enhanced loan-to-value ratios, whilst upgraders with existing HDB liabilities must factor those obligations into remaining TDSR capacity. Buyers should engage with HDB-approved banks or financial institutions to undertake detailed affordability assessments, as TDSR calculations depend on individual income structures, employment type, and co-borrower contributions.

How does 110 Lorong 1 compare to competing HDB developments in Toa Payoh and nearby districts?

Toa Payoh encompasses multiple HDB developments spanning different construction periods, with 110 Lorong 1 positioning itself as a mature estate offering proven infrastructure and established community character. Competing developments in the district may offer alternative floor levels, unit configurations, or estate-level amenities, but few match the exceptional MRT proximity and transport positioning that 110 Lorong 1 provides. Developments in adjacent districts such as Braddell or Toa Payoh's perimeter face trade-offs between transport convenience and pricing, with some newer estates in growth corridors commanding premium pricing despite longer commute requirements. Comparative valuation of competing properties should focus on lease remaining, transport distance, unit condition, and recent transactional evidence rather than age alone, as estate maturity often translates into cost efficiency for residents and operational stability for property valuations.

Which unit stack, floor level, or configuration offers the best value at 110 Lorong 1?

Unit value at 110 Lorong 1 varies based on floor level, stack position, and internal orientation, with mid-floor units (typically floors 5–15) offering optimal balance between premium pricing and practical benefits such as improved ventilation, reduced noise exposure, and reasonable lift waiting times. Stack positioning affects unit orientation and views, with certain configurations commanding premiums due to directional sunlight, prevailing wind patterns, or vista characteristics that enhance living comfort. Lower-floor units (floors 1–4) may offer valuation discounts compensating for proximity to communal spaces and potentially reduced natural light, whilst higher-floor properties command premiums reflecting enhanced privacy and view characteristics. Buyers seeking maximum value should prioritise units in mid-stack positions with favourable orientation over premier floor levels, as the valuation differential often exceeds the quality-of-life benefit for typical owner-occupiers and investors.

What is the future supply pipeline for HDB developments in Toa Payoh and surrounding areas, and how does this affect 110 Lorong 1's appreciation potential?

Toa Payoh is a mature, fully developed estate with limited capacity for new HDB construction due to land constraints and existing estate density, meaning incremental supply additions are minimal and predominantly limited to replacement or upgrading programmes within existing developments. The broader central region encompassing Braddell, Potong Pasir, and adjacent areas reflects similar supply constraints, supporting scarcity value for existing stock and underpinning relative price stability. Future HDB supply is concentrated in growth corridors such as Tengah, Punggol, and northern regions, meaning central properties like 110 Lorong 1 benefit from constrained competition and demographic preference for convenient, established locations. The absence of significant new supply in the district supports medium to long-term capital appreciation prospects for 110 Lorong 1, particularly as population preferences continue favouring central locations and established infrastructure.

Hdb Flat At 110 Lorong 1 Toa Payoh — From S$450K