How much is a flat at Blk 186 Toa Payoh Ctrl worth?

4 Room: $528,000 median (1 sale in the last 12 months). 3 Room: $403,000 median (3 recorded sales, none in the last 12 months). Medians are quoted per flat type, because a 3-room and a 5-room at the same block are different markets.

What flat types are available at Blk 186 Toa Payoh Ctrl?

Blk 186 Toa Payoh Ctrl has 3 Room, 4 Room flats across 36 units. The lease started in 1972 and has about 45 years left of its 99.

What was the most recent sale at Blk 186 Toa Payoh Ctrl?

A 4 Room flat, storeys 04 to 06 sold for $528,000 in Apr 2026.

What is the price per square foot at Blk 186 Toa Payoh Ctrl?

4 Room flats have a median of $629 psf, based on 1 sale in the last 12 months.

How often do flats come up for sale at Blk 186 Toa Payoh Ctrl?

1 flat changed hands in the last 12 months, about 2.8% of the 36 units in the block. 4 sales are recorded here since May 2022.

Blk 186 Toa Payoh Ctrl

Toa Payoh3101863 ROOM4 ROOMLease balance: 45 yrs (from 1972)

1 sale in the last 12 months · ~2.8% of 36 units

Sales, last 12 months

4 recorded since May 2022

Median price

$528K

4 Room · 1 sale · last 12 months

Median PSF

$629

4 Room · 1 sale · last 12 months

Price range

$528K – $528K

4 Room · 1 sale · last 12 months

Latest sale

$528,000

Apr 2026 · 4 Room · #04-06

Can you use CPF for this flat?

45 years left on the 99, from 1972.

Short by 15 years. CPF capped at 75% of the price, loan at 75%.

Youngest buyer's age35

Price$528K

CPF OA balance$150K

CPF you can use

capped at 75% of the price (45 years of lease over the 60 you need)

$105,600

Maximum bank loan

75% of the price, over 25 years

$396,000

Cash you need

at least $26,400 of any purchase must be cash

$26,400

Monthly instalment

25 years at 3.5%

$1,982

CPF 20% Loan 75% Cash 5%

Indicative. Excludes stamp duty, legal fees and CPF accrued interest. Confirm with HDB and your banker. Rules as at 2026-09-17.

Market Insights

Supply

1 unit

1 agent listing

Asking vs sold

+5.7%

$558K ask · $528K sold

4 Room · 1 sold, 1 asking

Price trend

6 months, 1 sale

12 months: +17.9% (1)

Turnover

2.8%

1 of 36 units, 12 months

What is my flat worth here?

Resale Price Trend

One flat type at a time, so a single larger sale cannot look like a price jump

Median price per month, 3 Room only, 3 sales

Check your valuation today

Recent Resale Transactions

4 recorded · 1 in the last 12 months • Page 1 of 1

Date	Flat Type	Storey	Area	Price	PSF
2026-04	4 ROOM	04 TO 06	840 sqft	$528,000	$629
2024-10	3 ROOM	04 TO 06	689 sqft	$448,000	$650
2023-10	3 ROOM	01 TO 03	721 sqft	$400,000	$555
2022-05	3 ROOM	01 TO 03	721 sqft	$403,000	$559