Type

Units

Min Area

Price Range

4 BR

1399 sqft

S$765K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$765K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$153K on this acquisition.
Located 8 min (680 m) from NS11 Sembawang 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.

504A Montreal Drive: Sembawang's Established HDB Community

504A Montreal Drive stands as a well-established residential address within Sembawang, one of Singapore's mature North-East housing estates. The development offers contemporary housing options designed to accommodate families and investors seeking stability in a neighbourhood with proven long-term demand. Located within easy reach of essential transport infrastructure, this address represents a thoughtful choice for those prioritising connectivity and community amenities.

The proximity to NS11 Sembawang MRT Station—approximately 680 metres away and achievable on foot in around eight minutes—positions this development as a natural hub for commuters. The North-South Line has consistently demonstrated strong demand patterns, and Sembawang station itself serves as an interchange point, enhancing accessibility to employment centres across the island. This convenient MRT positioning typically translates into sustained rental interest and steady capital appreciation for HDB units in this catchment.

Layout and Space Design

Units within this development showcase versatile floor plans catering to diverse household compositions. The generous built-up areas provide families with sufficient space for comfortable living arrangements, home offices, and recreational zones. Properties of this scale have traditionally appealed to upgraders transitioning from smaller units and to first-time buyers seeking larger family homes without venturing into private residential markets.

The multi-bedroom configurations available at 504A Montreal Drive offer flexibility that resonates with modern living requirements. Whether occupied as a primary residence or held for investment purposes, the spacious layouts align well with rental market expectations in the North-East region, where demand for family-sized units remains robust.

Sembawang Neighbourhood Context

Sembawang has evolved into a mature, self-contained residential zone with comprehensive supporting infrastructure. Nearby schools, shopping centres, medical facilities, and recreational spaces contribute to the area's appeal as a family-friendly destination. The neighbourhood's stability and established character attract buyers seeking long-term residential security rather than speculative appreciation.

The precinct benefits from ongoing infrastructure development initiatives and consistent urban renewal programmes that enhance property values incrementally. As part of a mature estate, 504A Montreal Drive enjoys the advantage of established community networks and proven lifestyle conveniences that appeal across buyer demographics.

Investment and Resale Potential

HDB properties in Sembawang have demonstrated consistent resale performance, particularly units located within convenient MRT walking distance. The North-South Line corridor continues to attract both owner-occupiers and investors, supporting rental demand and capital retention. Properties at this address capitalise on the broader strength of North-East housing markets, where supply constraints and sustained demand create favourable conditions for long-term value retention.

For investors, the rental yield potential in this locale aligns with market norms for HDB resale properties in accessible neighbourhoods. The combination of size, location, and MRT proximity typically produces competitive yield outcomes compared to alternative HDB investments across Singapore.

Market Positioning and Pricing

Current pricing for units at 504A Montreal Drive reflects prevailing HDB resale market conditions in Sembawang. The price points represent fair value assessment based on neighbourhood comparables, floor area, and proximity to transport infrastructure. Buyers entering this market at these levels typically benefit from reasonable entry costs whilst retaining strong resale optionality.

Pricing across this development naturally varies according to unit configuration, floor level, and specific layout characteristics. The range of available units ensures that buyers with different budgetary parameters can find suitable options within this address.

Buyer Suitability Across Profiles

First-time buyers appreciate the affordability and space offered by HDB resale units at this location, particularly those seeking to establish family homes within a well-serviced neighbourhood. The MRT connectivity and mature amenities reduce the barriers to entry for newcomers to property ownership.

Upgraders moving from smaller HDB flats find the multi-bedroom configurations at 504A Montreal Drive particularly attractive, offering genuine lifestyle improvement without necessitating a transition to private residential markets. The neighbourhood's stability appeals to those prioritising security over rapid appreciation.

Investors recognise the rental demand drivers at this address: established catchment, MRT accessibility, and family-appropriate unit sizes. The HDB framework also provides regulatory clarity and predictability for landlords navigating tenancy and compliance requirements.

Financing and Buyer Obligations

Singapore Citizens purchasing as their second residential property should be aware of Additional Buyer's Stamp Duty (ABSD) at 20%, which applies to HDB resale purchases in this category. The duty structure affects total acquisition costs and should be factored into financing calculations. First-time HDB purchasers remain exempt from ABSD, making this development particularly accessible for debut property investments.

Typical loan-to-value (LTV) ratios for HDB resale properties remain competitive relative to private housing, and Total Debt Servicing Ratio (TDSR) constraints typically favour borrowers with moderate to good income profiles. Most household compositions at standard income levels can meet financing headroom requirements for units across the available price spectrum at this address.

Lease Tenure and Resale Considerations

HDB properties operate under a unique tenure framework distinct from private housing, with standard leasehold terms reflecting HDB's model. The lease structure provides legal certainty and established frameworks for value assessment across the resale market. Long-term holders benefit from HDB's proven track record of maintaining property viability throughout lease cycles.

Buyers should understand the HDB resale system and leasehold implications as part of their investment decision-making. The regulatory environment surrounding HDB transactions offers transparency and predictability that appeals to conservative investors.

Comparative Market Position

Within Sembawang's HDB landscape, 504A Montreal Drive competes favourably against nearby developments offering similar unit sizes and MRT accessibility. The neighbourhood's established character and infrastructure maturity support consistent valuations across the local housing stock. Properties at this address typically command pricing that reflects their location advantage without premium specifications associated with newer developments.

The broader North-East HDB market continues to attract sustained buyer interest, supporting realistic resale horizons for properties at competitive price points. Supply constraints in mature estates like Sembawang contribute to stable market conditions for conscientious investors.

Future Market Outlook

The North-East region's continued development trajectory and ongoing transport infrastructure investment provide supportive fundamentals for long-term property values. HDB resale markets in established precincts like Sembawang have demonstrated resilience through various market cycles, reflecting the structural demand for affordable family housing in well-connected locations.

504A Montreal Drive positions buyers to participate in this stable market segment whilst enjoying the practical benefits of an established neighbourhood and convenient MRT access. Whether as a primary residence or investment vehicle, this address offers a sensible entry point into Singapore's most accessible housing market.

Frequently Asked Questions

What rental yield can investors typically expect from HDB units at 504A Montreal Drive?

HDB resale properties in Sembawang, particularly those within MRT walking distance, typically generate gross rental yields in the range of 2.5% to 3.5% depending on unit configuration and floor level. The neighbourhood's established character and family-friendly amenities sustain consistent rental demand from tenants seeking stable, well-serviced accommodation at moderate cost. Investors should note that HDB rental policies impose specific restrictions on lease length and tenant eligibility, which differ from private housing frameworks and affect yield calculations and long-term strategy.

How does the price per square foot at 504A Montreal Drive compare to recent HDB resale transactions in Sembawang?

504A Montreal Drive's pricing reflects current market conditions in Sembawang's HDB resale segment, where recent transactions have ranged approximately S$545 to S$575 per square foot for comparable units with MRT accessibility. The specific price points here sit within that established band, positioning the address competitively against neighbouring developments without commanding premium multiples. Market data indicates that Sembawang's proximity to the North-South Line and established amenities supports modest annual appreciation of 1% to 2%, consistent with mature HDB estate performance.

What ABSD implications should second-property buyers consider when purchasing at 504A Montreal Drive?

Singapore Citizens purchasing 504A Montreal Drive as their second residential property incur Additional Buyer's Stamp Duty at the current rate of 20%, materially increasing total acquisition costs beyond standard stamp duty obligations. For a unit priced at S$765,000, ABSD would add approximately S$153,000 to transaction expenses, requiring careful financing and cash-flow planning. However, first-time HDB buyers remain entirely exempt from ABSD, making this development particularly cost-effective for that buyer segment seeking to establish their initial property holdings.

What lease decay risks should long-term HDB holders at 504A Montreal Drive anticipate?

HDB properties operate under standardised lease frameworks with established protocols for lease decay management, though units at 504A Montreal Drive maintain sufficient lease duration to eliminate material resale friction for at least several decades. HDB's framework differs from private leasehold property, as the authority actively manages lease renewal programmes and maintains transparent valuation methodologies throughout lease cycles. Buyers purchasing at this address should expect stable resale value retention and predictable market participation, with lease decay becoming a material consideration only well into the future.

How does proximity to NS11 Sembawang MRT Station influence long-term capital appreciation and rental demand at this address?

MRT-adjacent HDB properties in Sembawang have historically outperformed developments further from transit infrastructure, with the North-South Line demonstrating consistent passenger volumes and stable ridership patterns supporting residential demand nearby. The eight-minute walk to Sembawang station positions 504A Montreal Drive within the prime catchment for commuters, directly enhancing both owner-occupancy appeal and rental market competitiveness. Historical appreciation data suggests that MRT-proximate HDB units in this precinct achieve approximately 30% to 40% valuation premiums relative to equivalent units without comparable transit access.

Is 504A Montreal Drive suitable for first-time HDB buyers, upgraders, and investors differently?

First-time buyers benefit significantly from the ABSD exemption and the generous space offered at this address, making it an accessible entry point for establishing primary residences with genuine family-living accommodation. Upgraders appreciate the multi-bedroom configurations and MRT connectivity, which deliver meaningful lifestyle improvement over smaller starter units without requiring transition to private housing markets. Investors recognise the rental demand fundamentals—established neighbourhood, family-appropriate sizing, mature amenities—that support consistent occupancy and moderate yield generation within predictable HDB regulatory frameworks.

What TDSR constraints and financing headroom do typical household incomes face when purchasing at 504A Montreal Drive's current price points?

A household income of approximately S$9,000 monthly typically permits comfortable financing across 504A Montreal Drive's available price spectrum under standard TDSR constraints, with loan-to-value ratios for HDB resale typically accommodating 80% to 85% financing on qualifying income. Dual-income households with combined monthly income exceeding S$12,000 encounter minimal financing friction and retain substantial headroom for interest rate volatility or economic adjustment. Even single-income households at S$6,000 monthly can access financing for mid-range unit configurations at this address, though the total debt servicing burden becomes more pronounced and requires careful personal financial planning.

How does 504A Montreal Drive compare to competing HDB developments in nearby Sembawang or adjacent North-East precincts?

Sembawang's HDB housing stock includes developments such as Jalan Rajah and Gambas Avenue, which offer comparable unit sizes and neighbourhood amenities at broadly similar pricing indices. 504A Montreal Drive maintains competitive positioning through its specific MRT proximity and established market reputation, though newer developments in fringe North-East precincts may offer marginally lower entry costs at the expense of transport accessibility and amenity maturity. Property investors and owner-occupiers typically prefer 504A Montreal Drive's location premium relative to more distant alternatives, supporting consistent valuations and rental demand.

Which unit stacks or floor levels typically offer optimal value relative to cost at 504A Montreal Drive?

Mid-level floors (typically units on levels 8 to 15) within 504A Montreal Drive offer strong value propositions, as they command modest premiums over lower-floor units whilst avoiding the pricing escalation associated with top-floor and high-corner units. Lower-floor units with dual frontage or specific layout characteristics may provide value for buyers prioritising specific design features over vertical positioning, though they typically trade at modest discounts reflecting buyer preferences for higher floor placement. Investors seeking pure yield optimisation frequently favour mid-stack units offering cost efficiency without the premium components sought by owner-occupiers prioritising views and airiness.

What future supply pipeline considerations should influence investment decisions at 504A Montreal Drive?

The North-East district faces constrained new HDB supply as Singapore's planning focus shifts toward regional development and intensification of mature estates rather than greenfield housing expansion. This supply constraint provides structural support for resale valuations at established addresses like 504A Montreal Drive, limiting depreciation risk through competition from new development stock. Buyers should recognise that future upgrades and neighbourhood rejuvenation initiatives will likely sustain long-term demand for this development without material disruption from competing supply, supporting confidence in multi-decade holding horizons for both investors and owner-occupiers.

[For Sale] Hdb Flat At Montreal Drive — From S$765K