Type

Units

Min Area

Price Range

3 BR

904 sqft

S$498K – S$499K

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$498K to S$499K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$99,600 on this acquisition.
Located 14 min (1.19 km) from TE2 Woodlands 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.

845 Woodlands Street 82: A Mature HDB Development in Singapore's North

845 Woodlands Street 82 stands as an established housing development within the Woodlands estate, one of Singapore's longest-developed residential precincts. Located in the heart of the North region, this HDB development has matured into a stable community with well-established amenities and a solid residential fabric. The address itself—Woodlands Street 82—places residents within easy reach of local shopping centres, hawker facilities, and recreational spaces that define the Woodlands neighbourhood character.

The development offers residential units typically configured with three bedrooms and two bathrooms, with floor areas around 904 square feet. These layouts are particularly suited to young families, growing households, and upgraders seeking more space than smaller units provide. Pricing for available units begins from S$499,000, positioning the development as an accessible entry point for buyers seeking established HDB stock in the North rather than new launches with premium pricing.

Connectivity and Transport Links

Proximity to TE2 Woodlands MRT Station represents a key selling point for this development. Located approximately 1.19 kilometres away—roughly a 14-minute walk—the station provides direct connectivity to the Thomson-East Coast Line (TE2). This positioning ensures residents can reach the city centre, business districts, and other parts of Singapore relatively swiftly without relying solely on private transport. The MRT link also strengthens the area's appeal to commuters and enhances long-term capital appreciation potential by ensuring sustained transport demand.

Beyond the MRT, Woodlands has always maintained good road connectivity via the Bukit Timah Expressway and other arterial roads. This dual-layer accessibility—both public transport and vehicular routes—makes 845 Woodlands Street 82 attractive to different buyer profiles, whether they prioritise train commutes or value road flexibility for business purposes.

Neighbourhood Character and Amenities

The Woodlands estate encompasses a mature and stable residential environment with decades of community-building. Local shopping hubs, including Woodlands MRT station's integrated retail facilities and nearby community centres, serve daily needs. Hawker centres throughout Woodlands provide diverse dining options at affordable prices, whilst schools, clinics, and recreational facilities ensure residents have access to essential services within walking distance.

The maturity of the Woodlands precinct means infrastructure planning is largely complete, with few disruptive development surprises on the horizon. This stability appeals particularly to buyers seeking a quiet, established neighbourhood rather than areas undergoing rapid transformation. The estate's age also means community bonds are often strong, with established residents' committees and local activities fostering neighbourhood cohesion.

Property Specifications and Layout Considerations

Units at 845 Woodlands Street 82 typically feature open-plan living areas that maximise the utility of the 904-square-foot footprint. Three-bedroom configurations allow flexibility for live-in maids, home offices, or guest accommodation—increasingly important in Singapore's evolving lifestyle needs. The two-bathroom layout reduces morning queuing for households with multiple occupants, a practical consideration for families with teenagers or multigenerational living arrangements.

Floor level selection can influence both pricing and livability. Lower-floor units often command discounts due to perceived security and noise considerations, yet they offer easier access and reduced lift dependency for elderly residents. Mid to upper-floor units typically command premiums but provide superior views, natural light, and breeze circulation. Within an established HDB block, residents typically benefit from settled maintenance practices and predictable management standards.

Investment and Resale Considerations

For investors evaluating 845 Woodlands Street 82, the established nature of the estate and MRT proximity create reasonable rental demand. Three-bedroom units typically attract families seeking temporary housing, expatriates on local assignments, or upgraders waiting for resale completion. Rental yields in mature Woodlands estates historically stabilise around 3 to 4 per cent annually, though this varies by unit condition, floor level, and exact location within the development block.

Resale prospects are strengthened by the development's location in a non-mature estate designation (depending on current planning classifications) and the proximity to the Thomson-East Coast Line, which has demonstrated strong demand-driving effects since opening. However, lease decay becomes progressively relevant as HDB flats age; units approaching the 40-year mark may face tighter resale windows unless heavily renovated. Buyers should confirm remaining lease duration, as this directly impacts bank financing willingness and future buyer pool size.

Suitability Across Buyer Segments

First-time buyers benefit from the established nature and lower entry price point compared to newer developments or private residential alternatives. The three-bedroom layout provides breathing room for expanding families without overshooting financial capability. Young upgraders moving from one or two-bedroom units find the space and dual bathrooms address lifestyle evolution at reasonable cost.

Investors regard 845 Woodlands Street 82 as a stable, moderate-risk asset with predictable rental flow and steady appreciation, particularly given MRT positioning. Owner-occupiers seeking a quiet, settled neighbourhood without the premium of new-launch branding find value in the established precinct. Multigenerational families planning to house elderly parents alongside children appreciate the three-bedroom, two-bathroom layout's flexibility.

Financial Planning and Loan Eligibility

At the current price range beginning from S$499,000, total debt servicing ratio (TDSR) calculations become critical. Most buyers financing through HDB loan schemes or bank mortgages can achieve approximately 80 to 90 per cent loan-to-value ratios, requiring down payments in the region of S$50,000 to S$100,000. Stamp duties, legal fees, and survey costs add a further 3 to 4 per cent, so total acquisition cost planning should account for these. For second-property buyers acquiring under Singapore Citizen eligibility, Additional Buyer's Stamp Duty at 20 per cent applies, substantially increasing acquisition costs and requiring careful cash flow modelling.

Loan tenure stretches to 25 to 30 years for HDB schemes, making monthly repayment commitments manageable for households with steady income. However, proximity to lease maturity (for older units) may compress available tenure, so buyers must confirm this before committing.

Competitive Positioning Within Woodlands

The Woodlands estate encompasses multiple HDB developments spanning several decades of construction. 845 Woodlands Street 82 competes directly with nearby blocks of comparable vintage and size. Pricing differentials typically reflect floor level, block orientation, unit condition, and proximity to MRT or neighbourhood amenities rather than fundamental architectural differences. Prospective buyers comparing this development to other Woodlands HDB stock should inspect comparable units across multiple blocks to benchmark value.

Private residential alternatives in the Woodlands area, such as newer executive condominiums or private condominiums, command substantially higher price points—often 50 to 80 per cent premiums for equivalent space. This makes 845 Woodlands Street 82 particularly attractive to buyers prioritising affordability and established community character over new finishes and luxury amenities.

Future Supply and District Planning

The North region, including Woodlands, has historically seen steady supply of new HDB projects in surrounding areas such as Yishun, Sembawang, and Sungei Kadut. However, the Woodlands estate itself is largely built out, making 845 Woodlands Street 82 part of the established housing stock rather than an area experiencing imminent large-scale redevelopment. This supply stability supports resale value preservation by limiting downward pressure from new-launch competition. Town planning initiatives occasionally introduce new community facilities or estate improvements, though these typically enhance rather than disrupt existing residential value.

Buyers should remain aware of any estate renewal programmes or en-bloc redevelopment possibilities, though these remain speculative and typically require consensus among a high percentage of residents. For practical purposes, 845 Woodlands Street 82 should be evaluated as a long-term holding within an established, stable precinct.

Frequently Asked Questions

What rental yield can I expect if I purchase a unit at 845 Woodlands Street 82 as an investment?

Three-bedroom HDB units in the established Woodlands estate typically generate rental yields between 3 and 4 per cent annually, depending on unit condition, floor level, and exact location within the block. At an entry price of S$499,000, this translates to expected annual rental income of approximately S$15,000 to S$20,000 before accounting for property tax, maintenance, and agent fees. Rental demand in Woodlands is sustained by the mature residential character and MRT connectivity, attracting families and upgraders seeking temporary housing. However, lease age significantly influences achievable rental rates; units with substantial remaining lease (above 60 years) command higher rents than those approaching lease maturity, so buyers must verify remaining tenure before committing to investment strategies.

How does the price-per-square-foot at 845 Woodlands Street 82 compare to recent transactions in Woodlands?

At S$499,000 for approximately 904 square feet, the effective price-per-square-foot works out to around S$552 to S$553 per square foot. Recent transactions in the established Woodlands HDB blocks have typically ranged between S$500 and S$600 per square foot depending on floor level, block orientation, and unit condition. Comparable three-bedroom units in nearby Woodlands developments have similarly traded in this band, suggesting 845 Woodlands Street 82 sits competitively within the neighbourhood's prevailing market. Price variations within the development itself reflect typical HDB market dynamics: lower floors and odd-oriented units (facing less-desirable directions) command discounts, whilst higher floors and bright, airy units attract premiums of 5 to 10 per cent above base pricing.

What is the Additional Buyer's Stamp Duty impact if I'm a Singapore Citizen purchasing a second residential property at 845 Woodlands Street 82?

As a Singapore Citizen acquiring a second residential property, you are liable for Additional Buyer's Stamp Duty (ABSD) at the current rate of 20 per cent, calculated on the purchase price. For a unit priced at S$499,000, this equates to S$99,800 in ABSD alone, substantially increasing your total acquisition cost beyond the purchase price itself. Combined with standard stamp duties, legal fees, and survey costs, total acquisition charges could reach approximately 25 to 28 per cent of the purchase price—a material outlay requiring careful financial planning. This makes the effective purchase price roughly S$625,000 once all costs are factored in, a consideration that must be incorporated into your loan eligibility assessment and cash flow projections. First-time property buyers are exempt from ABSD, making 845 Woodlands Street 82 considerably more attractive for first-home purchasers than for investors acquiring a second residential asset.

What lease decay and resale value risks should I be aware of at 845 Woodlands Street 82?

HDB units at 845 Woodlands Street 82, like all public housing in Singapore, carry a fixed lease tenure that decays with each passing year. If the development was completed in the 1990s or earlier, units may now have 50 to 60 years remaining on their 99-year leases. Bank financing becomes progressively restrictive as lease durations fall below 60 years; most lenders apply declining loan-to-value ratios the closer a lease approaches expiry, effectively compressing borrowing capacity for future owners. Units with leases below 40 years face significantly constrained resale pools, as many buyers prioritise sufficient remaining tenure for their expected holding period. To mitigate lease decay risk, confirm the exact completion year and remaining lease of any unit before purchase, and model how resale value may compress if you intend to hold for 20+ years. Units requiring significant renovation may still attract buyers if lease duration remains reasonable, but cosmetic wear combined with short lease tenure creates a challenging resale environment.

How does proximity to TE2 Woodlands MRT Station affect demand and capital appreciation at this development?

The Thomson-East Coast Line (TE2) has demonstrated strong demand-driving effects across all stations since opening, and Woodlands MRT's position as a major transport interchange enhances its appeal considerably. Residents at 845 Woodlands Street 82, located approximately 1.19 kilometres away, benefit from direct MRT connectivity to the city centre in roughly 20 to 25 minutes, making the development attractive to office workers, students, and commuters prioritising public transport. Properties within 800 metres of MRT stations typically command premiums of 5 to 15 per cent over comparable units further away, reflecting both occupier demand and investor interest seeking rental flow from transport-dependent demographics. Capital appreciation in Woodlands has historically tracked the broader HDB market, with MRT proximity driving steadier value retention than distant estates. However, mature estates like Woodlands do not typically experience the explosive appreciation seen in new launch areas; expect long-term appreciation aligned with inflation (2 to 3 per cent annually) rather than double-digit growth, making 845 Woodlands Street 82 a stable wealth-preservation asset rather than a speculative opportunity.

Is 845 Woodlands Street 82 suitable for first-time property buyers, upgraders, or investors—and what are the key considerations for each?

For first-time buyers, 845 Woodlands Street 82 offers a compelling entry point: established HDB stock with lower prices than new launches, no ABSD liability, and sufficient space (three bedrooms, two bathrooms) to accommodate growing families without overshooting financial capacity. Upgraders transitioning from one or two-bedroom units find the layout and dual bathrooms address lifestyle evolution at moderate cost, with the established neighbourhood offering stability over the high-intensity demand seen in newer precincts. Investors regard this development as a moderate-risk, stable-yield asset; whilst capital appreciation may lag speculative opportunities in transformation areas, rental demand from families and upgraders provides consistent occupancy and steady returns. Each buyer profile must weigh their priorities: first-timers benefit from affordability and no ABSD; upgraders value space and neighbourhood maturity; investors should model 3 to 4 per cent yields against their required return thresholds and confirm lease duration supports their investment horizon.

What are TDSR implications and financing headroom at 845 Woodlands Street 82's typical price points?

At the entry price of S$499,000, a buyer financing 90 per cent (S$449,100) over 25 years at prevailing HDB loan rates (approximately 2.6 per cent) faces a monthly repayment of roughly S$1,900. The Total Debt Servicing Ratio (TDSR) is typically capped at 60 per cent of gross monthly income, meaning a buyer requires gross monthly income of at least S$3,167 to service this mortgage comfortably. For household earners with combined income, this threshold is readily achievable, providing substantial financial flexibility. However, second-property buyers must account for ABSD (20 per cent = S$99,800), which erodes down-payment reserves and may necessitate larger cash outflows, tightening TDSR headroom slightly. Additionally, HDB grants (such as the Housing Development Grant for first-time buyers) are unavailable for second properties, eliminating price subsidies that reduce effective borrowing requirements. Prospective buyers should obtain pre-approval from their lender and confirm financing availability, particularly if acquiring as a second property or if household income is near TDSR thresholds after accounting for existing loan commitments.

How does 845 Woodlands Street 82 compare to competing HDB developments in nearby Woodlands blocks?

The Woodlands estate encompasses multiple HDB developments built across several decades, with 845 Woodlands Street 82 competing directly against adjacent blocks of comparable age and size. Price differentials between competing blocks typically reflect floor level, block orientation, unit condition, and proximity to local amenities rather than fundamental architectural differences. A unit on the 10th floor facing the park may trade 10 per cent higher than an equivalent 3rd-floor unit facing the internal void; however, both remain comparable products offered by the same development. Buyers comparing 845 Woodlands Street 82 to other Woodlands HDB stock should inspect multiple units across several blocks to benchmark value fairly. When compared to private residential alternatives (such as executive condominiums or private condominiums in surrounding areas), 845 Woodlands Street 82 offers 50 to 80 per cent price savings for equivalent space, making it substantially more affordable whilst sacrificing new finishes and luxury amenities. The key decision for buyers is whether the affordability and established community character of 845 Woodlands Street 82 outweigh the newer finishes and premium facilities available in more expensive private alternatives.

Which unit stacks or floor levels offer the best value at 845 Woodlands Street 82?

Value-conscious buyers should consider lower-floor units (levels 1 to 3) and odd-oriented units facing less-desirable directions (typically away from main roads or parks), which command discounts of 8 to 15 per cent compared to bright, high-floor units. A lower-floor unit in this price range might trade at S$420,000 to S$450,000, offering 10 to 15 per cent savings versus an equivalent higher-floor unit. These units are particularly suited to families with young children (reducing lift dependency) or elderly residents (easier stair access if lifts malfunction). Mid-range floors (4 to 7) represent a compromise between premium pricing for upper units and the discount applied to lower floors, often representing marginal value per dollar when price-to-benefit is carefully analysed. Upper-floor units (levels 8+) command premiums of 10 to 15 per cent due to superior views, natural light, and reduced noise, making them attractive to buyers willing to pay for comfort and amenity. Units facing parks or green spaces typically command 5 to 10 per cent premiums over internal void-facing units, reflecting superior light and view quality. Buyers should weigh personal lifestyle preferences against price sensitivity; pure value-seeking investors often favour discounted lower-floor units, whilst owner-occupiers prioritising daily comfort may justify paying for upper-floor positioning.

What future supply and district planning developments could affect 845 Woodlands Street 82's value trajectory?

The Woodlands estate is largely built out, meaning 845 Woodlands Street 82 operates within a mature, stable supply environment unlikely to experience imminent large-scale new-launch competition that would pressure resale prices. Surrounding areas such as Yishun, Sembawang, and new regional developments may introduce new HDB supply, but this is geographically distant enough to avoid direct neighbourhood cannibalization. The Urban Redevelopment Authority's long-term plans for the North region focus on enhancing existing precincts through transport improvements (such as TE2 completion) and community facility upgrades rather than wholesale estate redevelopment. En-bloc redevelopment of mature HDB blocks remains theoretically possible but practically requires near-unanimous resident consent (90 per cent threshold), making it an unlikely scenario for the near to medium term. Town councils occasionally introduce estate renewal programmes affecting playgrounds, pavilions, and public spaces, which enhance neighbourhood appeal without disrupting residential value. Buyers should treat 845 Woodlands Street 82 as a long-term holding within an established, stable precinct; the absence of imminent large-scale supply changes supports value preservation, though capital appreciation is likely to track inflation rather than exceed it significantly.

[For Sale] Hdb Flat At 845 Woodlands Street 82 — From S$498K