Type

Units

Min Area

Price Range

3 BR

947 sqft

S$499K

Type

Units

Min Area

Price Range

2 BR

700 sqft

S$3,200/mo

Other

100 sqft

S$850/mo

Property Highlights

HDB development with 3 units currently available.
Prices currently range from S$850 to S$499K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$170 on this acquisition.
33% of current units are for sale, from S$499K; 67% are for rent, from S$850/mo.
Located 11 min (900 m) 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?

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115 Bedok North Road: HDB Living in the Heart of East Coast Convenience

Located on Bedok North Road, 115 Bedok North Road represents a solid entry point into Singapore's established HDB rental and ownership market. This development comprises multiple residential units designed to accommodate different family sizes and investment profiles, from young professionals seeking their first foothold to experienced investors expanding their property portfolios. The proximity to Bedok Reservoir MRT station—just an 11-minute walk or approximately 900 metres away on the Downtown Line (DT30)—ensures that residents enjoy seamless connectivity to Singapore's transport backbone without the premium pricing often associated with ultra-prime Central Business District locations.

The Bedok North precinct has matured significantly over recent decades, establishing itself as a preferred address for families and investors who value stability over novelty. Within the immediate vicinity, residents benefit from a comprehensive ecosystem of schools, shopping malls, medical facilities, and dining options. Carrefour and other retail anchors sit within short distances, whilst hawker centres serving authentic local cuisine are plentiful. This layering of convenience means that daily errands, leisure activities, and professional commitments can be managed efficiently without lengthy commutes, a factor that consistently influences both owner-occupier satisfaction and rental demand.

Investment Credentials and Rental Yield Potential

For investors evaluating 115 Bedok North Road as a portfolio addition, the development presents several compelling characteristics. HDB properties in this location have historically commanded steady rental demand from young professionals, small families, and executives seeking affordable yet accessible accommodation. The rental market in Bedok benefits from the area's established reputation and transport connectivity; tenants willingly commit to longer leases when they perceive genuine lifestyle advantages. Depending on the specific unit configuration and current lease profile, investors can typically expect gross rental yields in the range that makes HDB ownership competitive with private residential alternatives in similar distance bands from the CBD, particularly when accounting for lower acquisition costs and simplified financing structures compared to private condominiums.

The rental yield calculation must also factor in HDB maintenance fees, property tax, and expected vacancy periods. However, because HDB resale prices remain more transparent and historically more predictable than private property markets, investors can model cash-flow scenarios with greater confidence. Units at 115 Bedok North Road, given their size and location, tend to attract tenants seeking value-for-money rentals with genuine MRT accessibility—a demographic segment that has proven resilient even during economic slowdowns.

Proximity to Bedok Reservoir MRT: A Transport and Capital Growth Advantage

The 11-minute walk to Bedok Reservoir MRT station (DT30) represents a material advantage in Singapore's property ecosystem. The Downtown Line has become increasingly central to island-wide connectivity, linking the East Coast directly to the CBD, Marina Bay, and emerging mixed-use precincts such as those around Bugis and Tanjong Pagar. For residents commuting to office-based employment, this transit route eliminates reliance on private vehicles and opens access to Singapore's largest employment clusters with minimal door-to-door journey times. For investors, MRT proximity is a primary driver of long-term capital appreciation; properties within 10–15 minutes' walking distance of functioning mass-transit nodes have historically outperformed those requiring longer walks or bus transfers.

Beyond commuter convenience, the presence of Bedok Reservoir MRT has catalysed neighbourhood evolution. New amenities, food establishments, and retail spaces have clustered around the station environment, reinforcing the precinct's appeal to both owner-occupiers and tenants. This virtuous cycle of improved accessibility driving demand typically translates into sustained or rising property values over multi-decade holding periods, making locations like 115 Bedok North Road attractive for investors with medium-to-long-term horizons.

Understanding ABSD Implications for Second-Property Buyers

For Singapore Citizens purchasing an HDB property as their second residential holding, Additional Buyer's Stamp Duty (ABSD) is a material cost consideration. The current rate stands at 20% on the purchase price for a Singapore Citizen's second property. For a development like 115 Bedok North Road, where units are priced across a defined range, ABSD represents a significant upfront expense that must be factored into investment returns and borrowing capacity. A buyer acquiring a unit at the lower end of the market may face ABSD totalling tens of thousands of dollars, reducing immediate equity and increasing the break-even period for rental income strategies.

However, ABSD is calculated once at the point of acquisition and does not recur upon subsequent resale, provided the property is held. This means that earlier entry into the market, even with ABSD incurred, can yield long-term benefits if capital appreciation and cumulative rental income offset the initial duty cost. Serious investors evaluating 115 Bedok North Road should model their acquisition scenarios with ABSD explicitly included and cross-reference the resultant yield projections against alternative investment avenues, including private residential options in adjacent districts or alternative asset classes.

Lease Tenure and Resale Value Dynamics

As an HDB property, units at 115 Bedok North Road typically operate on a 99-year or 999-year lease structure, depending on the original grant date. This lease profile is fundamental to understanding long-term ownership and resale considerations. Properties on 99-year leases will eventually experience lease decay—as the remaining lease shortens, HDB regulations permit younger families to prioritise purchases, potentially narrowing the buyer pool and affecting resale velocity and price points. Investors and owner-occupiers must remain cognisant of the number of remaining lease years and monitor regulatory changes affecting leasehold property transactions. The Housing and Development Board periodically reviews policies governing older flats, and potential lease extension or enhancement schemes should be monitored for their eventual impact on property values.

Conversely, properties on 999-year or newly-granted leases face no immediate lease decay risk and can be held across multiple generations with minimal regulatory pressure. Understanding the precise lease tenure of units within 115 Bedok North Road is therefore essential for long-term financial planning, particularly for investors intending to hold beyond a single transaction cycle.

Suitability Across Different Buyer Profiles

First-time buyers evaluating 115 Bedok North Road benefit from the entry-price accessibility of HDB ownership, transparent pricing mechanisms, and established financing channels via HDB concessional loans or bank mortgage products. The Bedok location offers genuine lifestyle appeal without requiring the financial commitment demanded by private residential markets, making ownership achievable for couples and young families saving for their first home. The presence of schools, healthcare facilities, and family-oriented amenities reinforces suitability for this demographic segment.

Upgraders—typically owner-occupiers moving from smaller HDB units to larger configurations—find 115 Bedok North Road attractive because of its established neighbourhood character, the quality of the transport environment, and the relative affordability of additional space compared to private condominium alternatives. The area has matured sufficiently to offer a genuine sense of place, with deep community roots and established social infrastructure.

Investors seeking rental yields and portfolio diversification view 115 Bedok North Road through the lens of cash-flow generation and capital preservation. The HDB market's transparency, combined with the area's established tenant demand, positions this development as a defensible choice for risk-conscious investors who prioritise steady returns over speculative capital appreciation. High-net-worth individuals may also view HDB acquisitions as portfolio ballast—lower-volatility assets that generate modest but dependable income streams.

Financing and Debt Service Considerations

TDSR (Total Debt Service Ratio) constraints affect borrowing capacity at 115 Bedok North Road. Most banks limit total debt servicing costs to 60% of gross monthly income; purchase prices at this development will determine whether prospective buyers have sufficient income to support bank loans whilst maintaining acceptable TDSR ratios. First-time buyers accessing HDB loans can often secure longer tenors (up to 25 years) and slightly more favourable rates, improving borrowing headroom. Second-time buyers using bank financing must navigate both ABSD costs and tighter TDSR thresholds, potentially requiring larger down payments to achieve acceptable financing ratios.

Careful financial modelling—incorporating purchase price, ABSD, stamp duties, legal fees, renovation budgets, and opportunity cost of capital—is essential before committing to any acquisition at 115 Bedok North Road. Financial advisers familiar with HDB-specific lending criteria can provide tailored guidance reflecting individual circumstances and income profiles.

Competitive Context and Market Positioning

The Bedok corridor hosts multiple HDB estates and some private residential clusters, creating a competitive marketplace where pricing and location differentiation matter significantly. Properties within the immediate Bedok North precinct compete on the basis of MRT proximity, amenity access, and lease tenure status. 115 Bedok North Road's position on Bedok North Road itself—a major arterial—means it attracts both MRT-oriented buyers and those prioritising vehicular access to expressways and business parks. Units here may be priced marginally differently than competing HDB stock in adjacent blocks, depending on unit orientation, floor level, and exact distance to the station. Savvy buyers and investors should conduct comparative market analysis across the Bedok East and Bedok North estates to identify value concentrations and avoid overpayment for marginal differences in location or specification.

Future Supply and District Development Pipeline

The East Coast district has relatively mature development patterns, with limited new HDB estates planned in the immediate vicinity. This supply constraint supports the thesis that existing established properties like 115 Bedok North Road will retain relevance and demand as alternative housing options become scarce. However, the potential for private redevelopment in adjacent areas and ongoing transport infrastructure upgrades must be monitored, as these could incrementally alter the competitive positioning and capital growth trajectory of the precinct. Longer-term government land-use planning, such as planned improvements to Bedok Reservoir precinct or enhanced cycling infrastructure, may subtly enhance property appeal and support steady appreciation.

Investors and owner-occupiers should engage with the Urban Redevelopment Authority's master plans and transport authority announcements to remain informed of any developments that might influence their property's long-term positioning and value proposition.

Frequently Asked Questions

What rental yield can an investor typically expect from purchasing an HDB unit at 115 Bedok North Road?

HDB properties at 115 Bedok North Road attract steady rental demand owing to their proximity to Bedok Reservoir MRT and established neighbourhood amenities. Rental yields depend on the specific unit size, lease tenure, and acquisition price, but investors in this precinct generally achieve gross yields ranging from 3% to 5% annually when calculating rent against purchase cost. The actual yield realised must account for HDB maintenance fees (typically S$50–120 per month), property tax, and expected vacancy periods. Because Bedok benefits from strong transport connectivity and a mature resident population willing to commit to longer leases, landlords can often maintain consistently high occupancy rates, supporting reliable cash-flow generation. Investors should model their specific acquisition scenarios with precise rental comparables from nearby blocks to project realistic income streams.

How do property prices per square foot at 115 Bedok North Road compare with recent HDB transactions in the Bedok area?

Pricing within the HDB market is transparent and publicly available through the HDB resale portal, enabling direct comparison of price-per-square-foot metrics across Bedok North and adjacent blocks. Units at 115 Bedok North Road typically command pricing reflective of their location relative to Bedok Reservoir MRT—the closer proximity to the station relative to more distant blocks justifies a modest price premium. However, this premium must be contextualised against the broader Bedok East and Bedok North market; units in newer or better-maintained blocks, or those with superior orientation or floor levels, may exhibit pricing gradients that compress or exceed the MRT-proximity advantage. Prospective buyers should systematically review HDB resale transactions across the wider precinct (typically the past 3–6 months) to establish realistic price benchmarks and identify whether specific units at 115 Bedok North Road represent genuine value or reflect overleveraged buyer sentiment.

What is the ABSD impact for a Singapore Citizen buying at 115 Bedok North Road as a second residential property?

Singapore Citizens purchasing an HDB property as a second residential holding must pay Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% of the purchase price. For units at 115 Bedok North Road, this means a substantial upfront cost: a property acquired at S$400,000 would incur ABSD of S$80,000, significantly reducing immediate equity and extending the break-even horizon for rental-yield strategies. ABSD is a one-time cost calculated at acquisition and does not recur upon subsequent resale, provided the property remains a residential holding. Investors must incorporate this ABSD charge into their acquisition financial models, including its impact on borrowing capacity (since some banks restrict leverage based on post-ABSD equity) and return-on-investment calculations. Early entry into the market, despite ABSD costs, can prove economically rational if long-term capital appreciation and cumulative rental income offset the initial duty expenditure; however, the decision demands rigorous financial modelling tailored to individual circumstances.

What lease tenure risks should owner-occupiers and investors consider at 115 Bedok North Road?

HDB properties at 115 Bedok North Road operate on either 99-year or 999-year lease structures, depending on the original grant date. Properties on 99-year leases face eventual lease decay—as remaining lease terms shorten, HDB policy allows younger buyers to prioritise acquisitions, potentially narrowing the buyer pool and affecting resale values and velocity. However, lease decay typically becomes material only when remaining terms fall below 70–80 years; properties at 115 Bedok North Road currently likely possess sufficient lease lives to defer this concern for several decades. The Housing and Development Board has previously considered lease enhancement schemes for ageing flats, and future policy changes could mitigate or alter lease decay impacts. Owner-occupiers planning to hold indefinitely should prioritise units with the longest remaining leases, whilst investors should calculate whether any lease decay discount is already priced into current market values and whether anticipated price trajectories justify acquisition despite eventual lease rundown.

How does the 11-minute walk to Bedok Reservoir MRT station (DT30) influence property demand and long-term capital growth?

MRT proximity is a primary driver of sustained capital appreciation in Singapore property markets; properties within 10–15 minutes' walking distance of functioning stations historically outperform those requiring longer walks or bus transfers. At 115 Bedok North Road, the 900-metre distance to Bedok Reservoir MRT station positions the development squarely within this optimal accessibility band. The Downtown Line (DT30) offers direct connectivity to the CBD, Marina Bay, and employment-rich precincts, materially shortening commute times for office-based workers and eliminating private-vehicle dependency. For tenants and owner-occupiers alike, genuine MRT access increases demand and supports rental premiums; landlords can command higher rents from tenants seeking walkable station access. Over multi-decade holding periods, this transport advantage compounds through sustained demand, supporting steady capital appreciation. Investors should view the MRT proximity not as a short-term windfall but as a durable, long-term value driver that differentiates 115 Bedok North Road from HDB properties requiring bus connections or longer walks.

Is 115 Bedok North Road suitable for first-time property buyers, and what advantages does HDB ownership offer them?

First-time buyers find compelling advantages in HDB ownership at 115 Bedok North Road. Purchase prices are substantially lower than private residential alternatives in equivalent distance bands from the CBD, making ownership achievable without requiring extreme savings multiples or parental financial support. HDB concessional loans and straightforward bank financing pathways reduce lending complexity; many first-timers can secure full financing at competitive rates, enabling purchase without large down payments. The established Bedok North neighbourhood offers genuine lifestyle appeal—schools, healthcare facilities, family-oriented amenities, and strong community infrastructure address the needs of young families entering home ownership. Transparent HDB pricing mechanisms and public resale data eliminate information asymmetry and support confident purchasing decisions. First-time buyers should recognise that HDB ownership at 115 Bedok North Road represents both a lifestyle asset and a wealth-building vehicle; the property can be retained long-term, generating equity whilst providing family stability, or eventually traded up to larger private residences once equity accumulation and income growth justify premium-segment purchases.

What TDSR constraints and financing headroom should buyers anticipate at typical 115 Bedok North Road price points?

TDSR (Total Debt Service Ratio) limits borrowing capacity; most banks restrict total monthly debt servicing to 60% of gross monthly income. For a property at 115 Bedok North Road priced in the typical HDB range (approximately S$350,000–S$450,000), buyer incomes must support associated loan repayments within this 60% threshold. First-time buyers accessing HDB housing loans benefit from longer maximum tenors (up to 25 years) and concessional rates, improving borrowing headroom; a first-timer earning S$5,000 monthly can typically service a housing loan of S$300,000 within acceptable TDSR ratios. Second-time buyers face tighter TDSR constraints and must also account for ABSD expenses, potentially requiring larger down payments (25–30% or more) to achieve acceptable financing ratios. Prospective buyers should conduct careful income-based modelling: calculate gross monthly income, subtract existing debt obligations (car loans, personal loans, credit commitments), and determine the remaining TDSR headroom available for a new housing loan. Early engagement with a mortgage broker or bank loan officer ensures realistic assessment of borrowing capacity before submitting offers.

How does 115 Bedok North Road compare competitively to other HDB estates in nearby Bedok North and Bedok East?

The Bedok corridor comprises multiple HDB estates (Bedok North Avenue, Bedok North Street, Bedok East, Bedok Reservoir Road, amongst others) competing on proximity to MRT stations, amenity access, block age, and lease tenure. 115 Bedok North Road's primary competitive advantages include direct Bedok Reservoir MRT accessibility within an 11-minute walk and positioning on a major arterial road offering vehicular convenience. Competing estates further north or east may command modest price discounts reflecting longer MRT walking distances (15–20 minutes), whilst adjacent blocks may trade at similar price points if comparably positioned relative to the station. Lease tenure variance across the precinct introduces differentiation: newer blocks or those recently enhanced by HDB carry premium pricing reflective of longer lease lives, whilst older blocks with 99-year leases may be priced more modestly if lease decay concerns influence buyer psychology. Investors and buyers should conduct systematic price comparison across all Bedok precincts (using HDB resale data) to identify value anomalies and avoid overpaying for marginal locationally or structural differences. The development's positioning suggests competitive pricing within the wider Bedok market—neither a steep premium nor a notable discount—provided unit orientation and floor levels are consistent with nearby blocks.

Which unit stacks, floor levels, and orientations at 115 Bedok North Road typically offer the best value proposition?

Unit value within HDB developments is driven by orientation (corner units and those facing greenery command premiums), floor level (middle floors often attract price premiums due to perceived lift proximity and privacy balance), and blockage/noise considerations (units facing major roads may be discounted despite transport convenience). At 115 Bedok North Road, positioned on Bedok North Road itself, units facing away from the arterial road typically command price premiums over road-facing units, accounting for noise and pollution considerations. Mid-floor units (floors 7–14) often represent best value: they command moderate premiums over lower floors (avoiding ground-floor concerns regarding privacy and potential flood risk), yet cost less than high-floor units where some buyers irrationally seek premium pricing. Corner units and those with unobstructed views or facing green spaces (if applicable) trade at clear premiums; however, these premiums often exceed the tangible lifestyle benefit, making internal, mid-floor units better value for budget-conscious buyers. Investors should prioritise units with strong rental appeal—mid-floor, interior-facing units with good layout and lift proximity tend to attract tenants rapidly and support consistent rental income, often at better value than visually premium but marginally harder-to-rent properties.

What future developments and supply pipeline in the East Coast district might affect 115 Bedok North Road's long-term positioning?

The East Coast district is relatively mature with limited new HDB estates planned in the immediate vicinity, a supply constraint that supports long-term demand for existing established properties like 115 Bedok North Road. However, several potential district-level developments warrant monitoring. Private residential redevelopments in adjacent areas, urban renewal initiatives around Bedok Reservoir precinct, and enhanced cycling or walking infrastructure could incrementally alter the competitive positioning and appeal of the area. The Urban Redevelopment Authority's long-term master plans occasionally signal intentions for mixed-use development, improved public spaces, or transport enhancements; prospective owners should periodically review these official plans. Additionally, any expansion or enhancement of the Downtown Line's capacity or new secondary transit corridors could further elevate the Bedok precinct's connectivity advantage. Investors with multi-decade horizons can reasonably expect that the combination of limited new HDB supply, strong MRT connectivity, and mature neighbourhood infrastructure will support steady demand and capital appreciation at 115 Bedok North Road. However, prospective buyers should remain engaged with town planning announcements and transport authority communications to stay informed of any developments materially influencing the property's long-term value proposition and competitive standing.

Hdb Flat At 115 Bedok North Road — From S$850