Type

Units

Min Area

Price Range

2 BR

720 sqft

S$3,100/mo

Other

100 sqft

S$1,400/mo

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$1,400 to S$3,100.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$280 on this acquisition.
Located 13 min (1.04 km) from DT30 Bedok Reservoir 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.

103 Bedok North Avenue 4 – Accessible HDB Living Near Bedok Reservoir

103 Bedok North Avenue 4 represents a distinctive rental opportunity within Singapore's mature East Coast residential landscape. Situated in the heart of Bedok North, this HDB development offers rental accommodation that caters to both individuals and couples seeking well-connected, affordable housing in one of the island's most established neighbourhoods. The property's proximity to key transport infrastructure and its location within a vibrant community make it an increasingly attractive proposition for tenants prioritising convenience and accessibility.

Location and Transport Connectivity

The development enjoys a strategic position approximately 13 minutes' walk from Bedok Reservoir MRT Station on the Downtown Line (DT30), situating it just 1.04 kilometres from this important transport hub. The Downtown Line connection provides direct access to the central business district, making the address particularly appealing for professionals working in or around the city centre. The MRT station's presence ensures that tenants benefit from reliable, frequent public transport, reducing dependency on private vehicles and lowering overall commuting costs. This connectivity has historically underpinned strong rental demand in the Bedok North precinct, where working professionals and young families value the balance between suburban living and urban accessibility.

Rental Offering and Unit Specifications

The rental listings at 103 Bedok North Avenue 4 span flexible accommodation options, with rental rates starting from approximately S$1,400 per month. Units available range across different configurations, accommodating varying household sizes and preferences. Many units marketed from this development come furnished with utilities, WiFi, and air-conditioning already factored into the rental package, eliminating the need for tenants to arrange these services separately. This all-inclusive approach simplifies the onboarding process and provides rental transparency, allowing tenants to budget effectively without hidden service charges or unexpected additional costs.

Bedok North Avenue 4: Neighbourhood Character

Bedok North Avenue 4 anchors one of Singapore's longest-established residential corridors, where HDB developments dating back decades have matured into well-serviced communities rich with local amenities. The neighbourhood benefits from a dense network of hawker centres, wet markets, supermarkets, and independent retail outlets that have evolved organically to serve the resident population. Schools at various levels, medical clinics, and recreational facilities dot the precinct, creating a self-contained living environment where most daily needs can be met locally. The area's established character means it lacks the speculative fringe-development feel of newer estates, instead offering the comfort and familiarity of a neighbourhood where infrastructure and services are fully bedded in.

Rental Market Dynamics in Bedok

The Bedok district, encompassing Bedok North, has maintained consistent rental demand driven by its combination of affordability, connectivity, and mature amenities. Unlike peripheral estates, which may struggle during economic downturns, Bedok's established position and transport links sustain tenant interest across economic cycles. The rental yield potential at 103 Bedok North Avenue 4 reflects this stability, offering landlord-investors predictable income streams backed by a large tenant pool seeking this precise location profile. For owner-occupiers considering a rental stint abroad or a temporary lease arrangement, the neighbourhood's rental absorption capacity provides confidence that units will not remain vacant for extended periods.

Infrastructure and Daily Living

Beyond immediate MRT access, the neighbourhood supports multiple transport modes. Bus services run extensively throughout Bedok North, providing alternative routes to key destinations and serving areas the MRT does not directly connect. Cycling infrastructure has expanded across the precinct in recent years, enabling active mobility for short trips. The Bedok Reservoir itself lies within walking distance, offering a green space for recreation, jogging, and community activities—a valued amenity that distinguishes this location from more built-up central areas. These layered transport and recreational options enhance the living experience for residents who appreciate flexibility in how they move through and use their neighbourhood.

HDB Rental Framework and Tenancy Considerations

Renting an HDB flat, whether as a tenant or lessor, operates within Singapore's HDB Residential Tenancy Agreement framework. Landlords must adhere to HDB regulations governing rental periods, tenant eligibility, and use conditions, ensuring clarity and legal protection for both parties. Rental agreements at 103 Bedok North Avenue 4 typically reflect standard market terms, with lease durations ranging to suit tenant stability needs—from shorter initial commitments to longer lock-in periods that provide security for owners. The presence of a established tenant base in Bedok North means that local property management and agent networks understand the market well, facilitating smooth administrative processes for those renting units in this location.

Investment Perspective for Landlords

From an investment standpoint, 103 Bedok North Avenue 4 represents a mature-market rental play where capital appreciation potential is modest but steady rental income remains reliable. The HDB resale market values properties in this location based on remaining lease duration, proximity to amenities, and transport accessibility—factors that have demonstrated resilience over decades. Landlords purchasing units here should model conservative capital growth assumptions, instead viewing the investment as an income-generating asset where tenant demand supports competitive rental yields. The neighbourhood's lack of major new competing supply in recent years means that newer rental stock is not materially undercutting pricing in this established precinct.

Comparison with Alternative Rental Neighbourhoods

When evaluated against comparable East Coast rental neighbourhoods—such as Kembangan, Chai Chee, or Eunos—103 Bedok North Avenue 4 occupies a competitive middle ground. Whilst not as peripheral or affordable as estates further east, it remains more accessible and less congested than areas closer to the city fringe. The MRT connectivity advantage over some neighbouring precincts that rely more heavily on bus networks gives this location a distinct appeal to tenants prioritising commute speed and reliability. The neighbourhood's proven rental market absorptive capacity, evidenced by consistent occupancy rates and stable pricing over time, makes it a lower-risk rental proposition than emerging estate developments where tenant demand remains unproven.

Practical Considerations for Prospective Tenants

Prospective tenants should factor the 13-minute MRT walk into their commuting calculus, particularly during peak hours or inclement weather. Whilst the distance remains reasonable for younger, mobile professionals, families with very young children or those with mobility constraints may find the walk burdensome during high temperatures or heavy rain. The maturity of the neighbourhood means that unit aesthetics vary considerably depending on renovation history; units recently retrofitted with modern fixtures, better insulation, and updated air-conditioning systems command slight rental premiums relative to those awaiting upgrades. Tenants should also verify furniture and utility inclusions carefully, as whilst some units offer full packages, others may operate on a semi-furnished or unfurnished basis with utilities billed separately.

Future Trajectory and Long-Term Viability

Bedok North's development trajectory suggests continued stability rather than dramatic change. The Government's recent planning emphasis has focused on infill projects and precinct-level intensification rather than wholesale redevelopment of already-mature HDB estates. This means that the character and rental fundamentals of 103 Bedok North Avenue 4 are unlikely to be disrupted by major new competition or infrastructure changes in the near-to-medium term. Tenants and landlords alike can confidently plan medium-to-long-term housing arrangements with the knowledge that this location's positioning as a stable, accessible, well-amenitised residential address is architecturally embedded in Singapore's broader urban planning strategy.

Frequently Asked Questions

What is the estimated rental yield if I purchase a unit at 103 Bedok North Avenue 4 as an investment?

Estimated rental yields at 103 Bedok North Avenue 4 typically range between 3% and 4% per annum, depending on the specific unit configuration, remaining lease duration, and exact purchase price relative to current market rates. For investors purchasing a two-bedroom HDB flat at around S$450,000–S$500,000 and securing tenants at monthly rental rates of S$1,500–S$1,800, the gross annual rental yield approximates 3.6%–4.8% before accounting for maintenance, property tax, and management costs. Nett yields after expenses and accounting for HDB tenancy regulations generally settle in the 2.5%–3.5% range, representing a stable but unspectacular income stream typical of mature, established HDB estates where tenant demand is reliable rather than explosive. The predictability of Bedok's rental market makes this yield profile attractive for conservative long-term investors prioritising steady income over capital appreciation.

How does pricing at 103 Bedok North Avenue 4 compare to recent per-square-foot transactions in the same area?

Recent HDB resale transactions in Bedok North have ranged between S$650–S$750 per square foot for standard two-bedroom and three-bedroom flats, with premium units benefiting from recent renovations or higher-floor locations commanding slightly higher per-square-foot valuations towards the S$750–S$850 band. 103 Bedok North Avenue 4 sits within this established pricing band, reflecting its mature estate status, proximity to DT30 Bedok Reservoir MRT, and well-developed amenities ecosystem. Compared to newer or more peripheral HDB developments, per-square-foot costs here are typically 10–15% higher, primarily because of transport accessibility and the neighbourhood's established character; however, compared to precincts even closer to the city centre or prestigious fringe areas, pricing at Bedok North remains materially more affordable, making it an attractive midmarket proposition. Investors evaluating purchase prices should cross-reference recent HDB resale data published by HDB itself to ensure they are not overpaying relative to recent comparable transactions in the same precinct.

What are the Additional Buyer's Stamp Duty (ABSD) implications if I purchase a unit at 103 Bedok North Avenue 4 as a second property?

If you are a Singapore Citizen purchasing a unit at 103 Bedok North Avenue 4 as your second residential property, you will be liable for Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price, in addition to the standard Buyer's Stamp Duty that applies to all property transactions. For a property purchased at S$500,000, this 20% ABSD equates to S$100,000 payable on completion, materially increasing your total acquisition cost and required capital. This ABSD obligation applies to HDB flats purchased as second properties under the same rules as private residential properties; however, first-time buyers purchasing their first residential property are exempt from ABSD entirely, and upgraders selling their first property within six months of purchasing a second property may qualify for ABSD remission if they meet HDB's eligibility criteria. Prospective second-property investors should factor the 20% ABSD into their financial modelling and yield calculations, as this substantial upfront cost reduces net investment returns and stretches the breakeven period for rental-income recovery.

What are the lease decay risks and resale value implications for units at 103 Bedok North Avenue 4?

Units at 103 Bedok North Avenue 4 are HDB flats, which in Singapore operate under 99-year leasehold tenure from their date of construction—meaning leases decay by one year with the passage of each calendar year. As the estate matured decades ago, units now typically carry remaining lease periods ranging from approximately 70–85 years depending on their original construction date and any Lease Renewal Schemes (LRS) that may have been applied. Properties with remaining leases below 60 years face increased difficulty in securing bank mortgage financing and typically experience sharper resale value declines relative to those with longer remaining tenures; however, the HDB's Lease Buyback Scheme, introduced in 2019, permits owners aged 65 and above to sell part of their remaining lease back to HDB, providing a mechanism to monetise deteriorating lease value in later years. Investors purchasing at 103 Bedok North Avenue 4 today should verify the exact remaining lease duration of each unit and model depreciation rates assuming an accelerating decay in resale value once leases fall below 60 years, as buyer pools narrow significantly at that threshold. For medium-term rental investors (5–10 year horizons), lease decay may not materially impact rental yield, but resale exit strategies will be constrained if the lease has decayed substantially by the time of sale.

How does proximity to Bedok Reservoir MRT Station (DT30) affect demand and capital appreciation at this development?

Proximity to Bedok Reservoir MRT Station (DT30), just 1.04 kilometres or a 13-minute walk from 103 Bedok North Avenue 4, is a principal demand driver for this location, supporting both rental absorption and resale values relative to more peripheral Bedok estates without direct MRT access. The Downtown Line connection provides rapid commuting to the CBD, Outram Park, and Marina Bay stations, making this address particularly attractive to professionals working in these employment clusters and reducing commuting time substantially compared to bus-dependent alternatives. Historical HDB resale transaction data demonstrates that properties within 1.5 kilometres of an MRT station command 15–25% price premiums over equivalent flats in the same estate located 2–3 kilometres distant from rail, indicating that MRT accessibility is a powerful capitalisation factor. Capital appreciation prospects at this location benefit from this entrenched MRT premium; however, with the MRT network now largely mature and few new stations coming to Bedok in the foreseeable future, the marginal appreciation benefit from transport improvements is limited—meaning buyers should view MRT proximity as a stabilising force for values rather than a catalyst for explosive capital growth.

Is 103 Bedok North Avenue 4 suitable for first-time buyer, upgrader, high-net-worth, and investor profiles?

For first-time buyers with modest savings, 103 Bedok North Avenue 4 presents an accessible entry point into HDB ownership within a proven, stable neighbourhood; however, HDB eligibility conditions, household income ceilings, and first-time buyer restrictions mean that this development is suitable only for those who qualify under HDB's stringent ownership criteria and have not previously owned an HDB flat. Upgraders trading up from existing HDB flats or private residential properties will find this address appealing as a middle-market option offering established amenities and MRT access without the premium pricing of fringe-city-centre locations, though they must budget for 20% ABSD on purchase as a second property if applicable. High-net-worth individuals and foreign buyers cannot purchase HDB units under Singapore law; therefore, this development is not suitable for these cohorts—only Singapore Citizens, Permanent Residents (with restrictions), and others meeting HDB eligibility criteria may acquire units. Rental investors regard Bedok North as a steady-yield, low-volatility play offering predictable 3–4% gross rental returns in a mature, well-tenanted neighbourhood; the location suits conservative income-focused investors rather than those seeking rapid capital appreciation or speculative trading opportunities.

What Total Debt Service Ratio (TDSR) and financing headroom should I anticipate at typical price points for this development?

At typical HDB resale price points for 103 Bedok North Avenue 4 ranging from S$450,000–S$550,000, financing with a 25-year mortgage at prevailing interest rates of approximately 3–3.5% per annum results in monthly loan servicing costs of approximately S$2,100–S$2,600 before accounting for property tax, maintenance contributions, and insurance. The Monetary Authority of Singapore (MAS) imposes a maximum TDSR threshold of 60% for HDB mortgages, meaning that qualifying buyers must demonstrate total monthly debt service not exceeding 60% of their gross household income; for a household with combined gross income of S$4,500, this permits maximum monthly property debt service of S$2,700, leaving minimal headroom when combined with other existing obligations such as car loans or credit card debt. First-time buyer loan schemes and concessional rates offered by HDB marginally improve affordability by reducing effective monthly servicing costs by 10–15% relative to full commercial rates; however, prospective buyers at this price point should model their personal debt obligations carefully and ensure they maintain 20–30% TDSR headroom to weather rate increases or income disruptions. Those with strong dual incomes and minimal existing debt will find financing at these price points comfortable, whilst single-income households or those carrying substantial existing obligations should consider lower price segments or extended loan tenures to optimise affordability.

How does 103 Bedok North Avenue 4 compare to nearby competing HDB developments in terms of rental competitiveness and capital value?

Competing HDB developments within the immediate Bedok North precinct—including estates along Bedok North Road, Bedok North Avenue 3, and adjacent blocks—offer comparable pricing and rental rates, with per-square-foot valuations clustering around S$650–S$750 and monthly rental rates for two-bedroom units ranging between S$1,400–S$1,800 depending on unit condition and furnishing. 103 Bedok North Avenue 4 sits at the heart of this range, offering no dramatic price advantage or disadvantage relative to these neighbours, meaning that tenant and buyer selection criteria will pivot on unit-specific factors such as renovation quality, floor height, orientation, and maintenance history rather than location-based premiums or discounts. Comparing further afield to Kembangan (generally S$50–S$100 cheaper per square foot due to less established infrastructure) or Chai Chee (slightly more expensive due to recent HDB renewals and improved amenities), 103 Bedok North Avenue 4 represents fair market value—not a bargain, but not an overpriced location relative to comparable East Coast alternatives. The neighbourhood's consistency and lack of unique locational advantages or disadvantages means this development functions as an archetypal Bedok North offering, suitable for buyers and tenants prioritising stable, proven fundamentals rather than novel locational features or positioning.

Which unit stack, floor level, or specific block location offers the best value proposition at 103 Bedok North Avenue 4?

Within 103 Bedok North Avenue 4, mid-stack units (typically floors 4–12 in a standard HDB block) offer superior value relative to ground-floor or very high-floor units; ground-floor units often command slight discounts reflecting security concerns, street noise, and lack of natural light, whilst very high-floor units (15+) incur premium pricing despite offering improved light and unobstructed views, with these premiums rarely justified by rental yield uplift sufficient to offset the higher acquisition cost. South-facing and east-facing units generally command modest pricing premiums (3–5% relative to north-facing or west-facing equivalents) owing to superior natural lighting and thermal comfort; however, west-facing units generate higher afternoon heat gain during Singapore's equatorial summer, potentially increasing air-conditioning usage and tenant discomfort—a factor that tempers demand relative to southern exposures. Blocks or unit stacks with proximity to lift lobbies, common staircases, and shared facilities command slight discounts relative to more remote units within the same block, as these locations experience higher pedestrian traffic and noise; investors optimising rental yield should target these discount units, as tenant tolerance for transit noise is generally high and the valuation discount does not proportionally reduce rental income. The proximity to green spaces, hawker centres, and amenity clusters should also be factored; units nearest active amenity nodes experience higher walk-by foot traffic and are often preferred by younger, mobile tenants, which can translate to faster rental placement and marginally higher rents.

What is the future supply pipeline in Bedok and surrounding districts that could impact demand and resale values at 103 Bedok North Avenue 4?

The future supply pipeline in Bedok and surrounding East Coast districts remains relatively constrained, with the Government focusing redevelopment efforts on selective infill projects and precinct-level enhancements rather than wholesale estate renewal; no major new HDB launches are currently planned for Bedok North itself, meaning the existing housing stock will remain the primary supply base for the foreseeable future. The Build-to-Order (BTO) launches in other East Coast precincts such as Tampines, Pasir Ris, and newly designated growth areas further east create alternative inventory that may marginalise demand for older Bedok estates if newly built alternatives become more affordable or offer extended leases; however, Bedok's proximity to the city centre and established amenities provide demand insulation that newer peripheral precincts cannot fully replicate. Long-term, the Government's strategic focus on rental housing and public housing renewal programmes suggests that older HDB stock in established locations like Bedok will be selectively targeted for Selective En Bloc Redevelopment Scheme (SERS) interventions or lease-extension schemes; however, such interventions typically extend over decades, meaning they do not materially disrupt medium-term (5–10 year) valuations at 103 Bedok North Avenue 4. Prospective purchasers should view this development as part of a mature, stable housing ecosystem where supply constraints and demographic demand (from younger upgraders and investors seeking established, well-serviced neighbourhoods) support demand stability; dramatic value appreciation is unlikely, but precipitous decline is also improbable absent fundamental neighbourhood deterioration, which government planning and maintenance commitments render an unlikely scenario.

Hdb Flat At 103 Bedok North Avenue 4 — From S$1,400