Type

Units

Min Area

Price Range

2 BR

640 sqft

S$3,300/mo

3 BR

765 sqft

S$3,499/mo

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$3,300 to S$3,499.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$660 on this acquisition.
Located 6 min (460 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.

94 Lorong 4 Toa Payoh: A Mature HDB Development in Central Singapore

Located in the heart of Toa Payoh, 94 Lorong 4 represents an established residential address in one of Singapore's most sought-after HDB estates. This development sits within a district known for its stability, accessibility, and strong community infrastructure. The property benefits from its position in a neighbourhood that has continuously evolved whilst maintaining the character and convenience that define mature Singapore housing.

The development's proximity to Braddell MRT Station, situated approximately 460 metres away, makes it an attractive option for commuters seeking reliable public transport connectivity. The station serves the North-South Line, providing direct access to major commercial districts and employment hubs throughout the island. This accessibility significantly enhances the appeal of the development for working professionals and families who depend on mass rapid transit for their daily movements.

Unit Composition and Layout Flexibility

The housing stock at 94 Lorong 4 Toa Payoh comprises a mix of flat configurations, with units ranging across different bedroom counts to accommodate varying household sizes and compositions. Three-bedroom units represent a popular choice within the development, offering sufficient space for growing families whilst remaining efficiently proportioned. The typical floor area of available units provides a comfortable living environment with room for distinct living, dining, and sleeping zones.

Each flat incorporates a single bathroom, a standard configuration in HDB units of this generation and locality. The spatial layouts have been designed to maximise usable living area while maintaining the functional design principles characteristic of HDB developments from this era. Buyers and renters can expect practical, well-organised interiors that accommodate contemporary household needs.

Neighbourhood Character and Local Amenities

Toa Payoh has established itself as one of Singapore's premier residential estates, boasting comprehensive facilities and services that cater to residents of all ages. The neighbourhood features numerous primary and secondary schools, making it particularly attractive to families with children. Shopping and dining options are abundant, with multiple markets, hawker centres, and retail establishments scattered throughout the estate.

Healthcare facilities are well-represented in the area, including clinics and larger medical centres serving the broader Toa Payoh community. The mature estate benefits from extensive green spaces, community centres, and recreational facilities that foster an active, engaged residential population. Public facilities such as libraries, sports complexes, and childcare centres reflect the comprehensive amenities that define this established neighbourhood.

Transport Connectivity and Accessibility

Beyond the immediate Braddell MRT connection, the development benefits from extensive bus routes that traverse Toa Payoh and link to other districts. The multiple transport options available from this location reduce dependency on private vehicles and make the address particularly appealing to environmentally conscious buyers and those seeking cost-effective commuting solutions. The maturity of the public transport network in this area ensures that connectivity will remain a key advantage for future residents.

The central location within Toa Payoh also positions residents within reasonable distance of the Central Expressway and other major arterial roads, providing flexibility for those who prefer private transport or require occasional vehicle access. This balanced transport profile ensures the development appeals to a broad spectrum of occupiers with varied commuting preferences.

Market Positioning and Investment Potential

Units at 94 Lorong 4 Toa Payoh are competitively priced within the HDB market, reflecting the maturity of the development and the established nature of the neighbourhood. The pricing structure offers value for different buyer profiles, from first-time purchasers entering the HDB market to seasoned investors seeking stable rental income from established residential stock. The consistency of the Toa Payoh market and the track record of HDB resale prices in this area provide reassuring indicators for both owner-occupiers and investment-focused buyers.

Investors evaluating the development should consider the stable rental demand that characterises the Toa Payoh estate. The combination of mature amenities, convenient transport access, and a settled community creates consistent demand for rental accommodation. Professionals posted to Singapore on temporary assignments, families requiring flexible housing arrangements, and relocating workers frequently seek accommodation in established estates like Toa Payoh, providing reliable tenant pools for property owners.

Estate Character and Community Living

Residing at 94 Lorong 4 places occupants within a well-established community where neighbourhood bonds are strong and civic infrastructure is thoroughly embedded. The estate's maturity means that planning and development patterns are stable, reducing uncertainty about future changes to the residential environment. Common recreational areas, community programmes, and resident networks enhance the living experience beyond the individual flat itself.

The development's position within this broader estate context means residents benefit from the accumulated infrastructure and community services that have evolved over decades. This established character appeals particularly to those seeking predictability and a sense of belonging within a cohesive neighbourhood environment.

Considerations for Different Buyer Profiles

First-time HDB purchasers will find the development's pricing and location compelling, as it offers entry-level cost efficiency combined with mature neighbourhood amenities and solid transport connectivity. Upgrading families seeking additional space may be drawn to the range of unit configurations available, allowing them to secure accommodation that matches their evolving household requirements. Investors viewing the property as a portfolio addition can rely on Toa Payoh's proven rental market strength and the historical appreciation trajectory of HDB properties in this neighbourhood.

Owner-occupiers planning long-term residence will appreciate the stability of the area and the comprehensive services already established within the estate. The mature nature of the development ensures that residents are unlikely to encounter significant disruptions from ongoing construction or estate redevelopment, allowing for uninterrupted residential enjoyment.

Frequently Asked Questions

What is the estimated rental yield for units at 94 Lorong 4 Toa Payoh if purchased as an investment property?

Whilst individual yields vary based on unit size, configuration, and prevailing rental market rates, HDB flats in established estates like Toa Payoh typically generate net rental yields in the 3% to 4% range, depending on acquisition price and rental demand cycles. The strength of Toa Payoh's rental market, driven by strong demand from expatriates, relocating professionals, and families seeking mature neighbourhood amenities, supports consistent rental income potential. However, prospective investor-buyers should analyse current rental rates for comparable three-bedroom units in the estate and factor in property tax, maintenance contributions, and potential void periods when modelling investment returns.

How does the pricing per square foot at this development compare to recent HDB resale transactions in Toa Payoh?

Pricing per square foot for HDB units in Toa Payoh fluctuates based on unit age, floor level, exact location within the estate, and prevailing market conditions, but the development is generally positioned within the mid-range of the Toa Payoh resale market. Three-bedroom HDB flats in this estate typically transact at price points that reflect the established nature of the neighbourhood, mature amenities, and solid transport connectivity provided by Braddell MRT. Buyers should review recent comparable transactions from similar unit types and configurations on official HDB resale platforms to benchmark pricing at 94 Lorong 4 against the broader Toa Payoh market, ensuring they are purchasing at rates consistent with recent arms-length sales in the same neighbourhood.

What Additional Buyer's Stamp Duty implications apply to second-property purchasers at this development?

Singapore Citizens acquiring a second residential property at 94 Lorong 4 Toa Payoh are subject to Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% of the purchase price. This duty applies on top of standard Buyer's Stamp Duty and significantly increases the overall acquisition cost, making the total stamp duty burden substantially higher for second-property buyers compared to first-time purchasers. Investors and upgrading owner-occupiers must factor this 20% ABSD cost into their financial planning and budget modelling, as it materially affects the return profile of investment properties and the total outlay required for property upgrades.

What lease decay risk and resale impact should buyers consider for this HDB development?

HDB leasehold properties typically carry 99-year leases, and as the 94 Lorong 4 development ages, the remaining lease tenure will gradually decrease, potentially impacting future resale value and buyer financing options. Flats with remaining leases below 60 years may face restrictions on HDB loan eligibility and encounter reduced buyer interest, narrowing the pool of potential purchasers. Owners should remain cognisant of the current lease position of specific units at this development and understand that as the lease decay progresses in future decades, the property's market appeal and valuation may contract unless significant lease extension programmes are implemented through collective en bloc redevelopment or government-led initiatives.

How does proximity to Braddell MRT Station affect demand and capital appreciation for properties at this address?

The 460-metre walk to Braddell MRT Station positions 94 Lorong 4 within an excellent accessibility radius, materially enhancing demand from commuter-focused buyers and tenants who prioritise public transport convenience. MRT proximity has historically been a strong driver of capital appreciation in HDB markets, as it expands the addressable pool of potential owner-occupiers and renters, reduces reliance on private transport, and supports long-term demand resilience. The North-South Line provides comprehensive connectivity to central business districts, educational institutions, and major employment nodes, reinforcing the development's appeal for professional demographics and families whose commuting patterns depend on mass rapid transit infrastructure.

Which buyer profiles are best suited to purchasing or renting at 94 Lorong 4 Toa Payoh?

First-time HDB buyers appreciate the development's established location, moderate pricing, and mature neighbourhood amenities that provide immediate access to schools, healthcare, and shopping facilities. Upgrading families seeking additional space from smaller flats or private housing downsizers find the neighbourhood's comprehensive services and community infrastructure attractive for long-term owner-occupied living. Investors targeting stable rental income flows benefit from consistent demand in Toa Payoh from expatriates, temporary relocations, and professional renters who value mature estate character and MRT accessibility. Young professionals and commuters prioritise the convenient MRT access and broad transport options that minimise daily commuting time and cost.

What TDSR and financing headroom should prospective buyers model at typical price points for this development?

Total Debt Service Ratio (TDSR) limits cap monthly debt servicing at 60% of gross monthly income for HDB property purchases, a critical constraint for buyers financing acquisitions through HDB or commercial mortgages. At typical Toa Payoh price points for multi-bedroom units at this development, first-time buyers with stable employment and moderate debt profiles can generally secure financing with satisfactory headroom, although individual eligibility depends on current income levels, existing loan obligations, and the specific property price. Buyers should engage with lending institutions early to obtain pre-qualification guidance on borrowing capacity at their income level and anticipated property price, ensuring that financing is achievable within TDSR constraints and that monthly servicing burdens remain comfortably manageable alongside household living expenses.

How does 94 Lorong 4 Toa Payoh compare to competing HDB developments in the same neighbourhood?

Toa Payoh contains multiple HDB developments spanning different eras and configurations, with competitors including nearby estates offering comparable or alternative unit types and price positioning. The development competes on the basis of its specific location within the estate, exact proximity to Braddell MRT, unit availability and floor configurations, and the current market pricing relative to comparable recent transactions. Prospective buyers and investors should conduct comparative market analysis by reviewing available units, recent resale prices, and rental data from competing Toa Payoh developments to ensure they understand relative value positioning and whether 94 Lorong 4 offers pricing, location, or layout advantages worth pursuing compared to alternative neighbourhood options.

Which unit stacks or floor levels typically offer the best value at this development?

Mid-level units, typically floors 4 through 15 in many HDB developments, often represent optimal value propositions, avoiding premium pricing for higher floors whilst enjoying reduced ground-level noise and better cross-ventilation compared to the lowest levels. Lower floors may face higher noise exposure from common areas and street traffic, whilst top floors can command pricing premiums that do not proportionally improve liveability for most occupiers. Buyers seeking value should analyse the pricing differential across floor levels at 94 Lorong 4 and prioritise units that offer acceptable noise insulation, natural light, and ventilation at more competitive price points, typically found in the mid-floor band of the development.

What is the future supply pipeline and redevelopment outlook for the Toa Payoh district?

Toa Payoh is a mature, well-established estate with limited vacant land and a predominantly developed residential character, meaning large-scale new supply additions are unlikely in the near to medium term. The estate may experience selective en bloc redevelopment initiatives over longer timeframes, which could reshape specific neighbourhoods, though the scale and timing of such projects remain uncertain. Buyers purchasing at 94 Lorong 4 should recognise that the neighbourhood environment is likely to remain relatively stable, with gradual incremental improvement to existing infrastructure and facilities rather than transformative change, making this a lower-volatility residential choice compared to emerging developments in less mature areas of Singapore.

Hdb Flat At 94 Lorong 4 Toa Payoh — From S$3,300