520 Serangoon North Avenue 4 HDB For Sale: Ultimate Serangoon Resale Flats Guide | Homejourney
520 Serangoon North Avenue 4 HDB for sale offers rare Executive Maisonette (EM) and Executive (EXE) flats in one of Serangoon's most sought-after blocks. This definitive Homejourney guide covers everything from current Serangoon resale flats prices to HDB grants, financing, and the buying process, helping you make confident decisions in a trusted environment.
Homejourney prioritizes your safety with verified listings and transparent advice, ensuring a secure path to homeownership in Serangoon HDB for sale options like Block 520.
Table of Contents
- 1. Property Overview: Block 520 Serangoon North Avenue 4
- 2. Available Flats for Sale at 520 Serangoon North Avenue 4
- 3. Why Buy at This Block: Location & Lifestyle Advantages
- 4. HDB Resale Price Analysis & Trends
- 5. HDB Buyer Eligibility for Resale Flats
- 6. HDB Grants for Buying Serangoon Resale Flats
- 7. Financing Your HDB Purchase
- 8. Step-by-Step HDB Resale Buying Process
- 9. FAQ: Buying 520 Serangoon North Avenue 4 HDB
1. Property Overview: Block 520 Serangoon North Avenue 4
Block 520 Serangoon North Avenue 4 (S)550520 is a 99-year leasehold HDB development completed in 1992, featuring 72 units primarily of Executive Maisonette (EM) and Executive (EXE) flats.[5][7] These spacious homes, built on a 9-storey structure, appeal to families seeking more room in mature Serangoon estates.[1]
Serangoon is a vibrant north-eastern town known for NEX Mall, Serangoon Gardens' upscale vibe, and diverse food scenes from hawker centres to chic cafes. Block 520 stands out for its quiet residential feel amid conveniences, making it ideal for buy HDB upgraders or families.[2]
The block has undergone Home Improvement Programme (HIP) upgrades, including lift modernisation, enhancing accessibility and value. Remaining lease is approximately 85 years as of 2026, sufficient for full CPF usage per HDB rules.
Key Block Specifications
| Attribute | Details |
|---|---|
| Postal Code | 550520 |
| Completion Year | 1992 (MOP 1996) |
| Tenure | 99-year Leasehold |
| Storeys | 9 |
| Unit Types | Executive Maisonette (EM), EXE |
Disclaimer: Prices and availability fluctuate; check Homejourney for latest verified listings.
2. Available Flats for Sale at 520 Serangoon North Avenue 4
520 Serangoon North Avenue 4 for sale listings focus on spacious EM units (147-1583 sqft) and EXE flats, with high-floor, unblocked views most popular. Current active listings include a 1583 sqft EM at S$1,000,000 (~S$759 psf).[3][8]
Recent sales show 3-room to 5-room equivalents priced S$880K-$1,060K, with EM units commanding premiums for size and layout.[1][2] Buyers love corner units facing green spaces or low blocks.
Browse available HDB resale flats on Homejourney: View HDB resale flats for sale near 520 Serangoon North Avenue 4. Homejourney verifies all listings for your safety.
Typical Price Ranges (2025 Data)
| Flat Type | Size (sqm/sqft) | Price Range | psf Range |
|---|---|---|---|
| Executive Maisonette (EM) | 147sqm / 1583sqft | S$938K - S$1.2M | S$652 - S$759 |
| Executive (EXE) | 149sqm | S$1.06M - S$1.08M | S$661 - S$727 |
Sources: Recent transactions at Block 520.[1][2][4] High floors (7-9) fetch 10-15% premiums.
3. Why Buy at This Block: Location & Lifestyle Advantages
Serangoon North Avenue 4 offers mature estate living with Serangoon flat charm: 5-min walk to Serangoon North MRT (CR9), 10-min to NEX Mall for shopping and dining.[7] Nearby hawker centres like Serangoon Garden Market & Food Centre (12-min walk) serve local favorites.
Families appreciate proximity to schools: Within 1km for Phase 2A ballot priority, e.g., Rosyth School (800m). Parks like Serangoon North Neighbourhood Park provide green space.[2]
Insider tip: Block 520's position avoids direct west sun, ideal for energy savings. Community is tight-knit, with low crime rates typical of HDB estates.
- Transport: Serangoon North MRT (5-min), Bus 101/103 (1-min stop).
- Amenities: NEX (1.2km), Chomp Chomp Food Centre (1.5km).
- Schools: Yangzheng Primary (900m), Zhonghua Secondary (1.2km).
Read more on Serangoon lifestyle in our 409 Tampines Street 41 HDB For Sale: Ultimate Tampines Resale Guide | Homejourne... ">related HDB guides.
4. HDB Resale Price Analysis & Trends
Flat prices at 520 Serangoon North Avenue 4 have risen 5-7% YoY, with 2025 sales at S$938K (Jun 24, 4-6 storey EM, 147sqm) to S$1.06M (Feb 25, 7-9 storey).[1][4] psf averages S$661-727, competitive for Serangoon.[5]
Nearby blocks (550518-550527) transacted S$600-754 psf, showing Block 520's premium due to size.[2] Over 3 years, Serangoon HDB resale up 15%, driven by demand for mature estates.[7]
Factors: High floors + unblocked views add S$50K-100K; remaining lease >65 years allows full CPF. Compare to town median via Projects Directory ">Homejourney projects directory.
Recent Transactions at Block 520 (2024-2025)
| Date | Price | Storey | Size (sqm) | Type |
|---|---|---|---|---|
| Jun 24 | S$938K | 4-6 | 147 | EM |
| Sep 24 | S$880K | 1-3 | 147 | EM |
| Feb 25 | S$1.06M | 7-9 | 149 | EA |
Rental yields: S$2.8K-4K/month, strong for investors.[1][6]
5. HDB Buyer Eligibility for Resale Flats
Singapore Citizens (SC), SC+PR, or PR+PR (after 3 years PR) can buy resale HDB. Family nucleus required: couples, parents with unmarried kids. No income ceiling unlike BTO.[HDB.gov.sg]
Singles 35+ eligible for 2-room Flexi resale only. Check Ethnic Integration Policy (EIP) and SPR quota for Block 520 via HDB portal – Serangoon has balanced ratios.
First-timers, upgraders, or right-sizers qualify. Homejourney helps verify eligibility safely.
6. HDB Grants for Buying Serangoon Resale Flats
First-timers get up to S$80K CPF Housing Grant (CHG) + S$80K Enhanced-CHG (income-based). Proximity Housing Grant (PHG): S$30K near parents/children. Total: up to S$190K.[HDB.gov.sg]
Conditions: SC family nucleus, first resale purchase. Use grants for downpayment. Calculate yours on Homejourney – more in our Bank Rates ">HDB financing guide.
- CHG: S$80K (SC+SC), S$50K (SC+PR).
- E-CHG: Up to S$80K if household <S$9K/month.
- PHG: S$30K within 4km of parents.
7. Financing Your HDB Purchase
HDB loan: 80% LTV, 2.6% interest (2026), income ≤S$14K. Bank loan: 75% LTV, ~3.5% variable, no ceiling. Use CPF Ordinary Account (OA) fully if lease >30 years.[CPF.gov.sg]
Downpayment: 5% min (HDB loan, mostly CPF), 25% (bank). Monthly estimates for S$1M EM: ~S$4K (HDB loan, 25-year).
Check affordability: Calculate HDB loan eligibility on Homejourney. Post-purchase, explore Aircon Services ">maintenance services.
Monthly Repayment Estimates (S$1M Flat, 25-Year Loan)
| Loan Type | Interest | Monthly (~S$) |
|---|---|---|
| HDB | 2.6% | S$4,200 |
| Bank | 3.5% | S$4,700 |
8. Step-by-Step HDB Resale Buying Process
- Check Eligibility: Get HFE letter from HDB (free, valid 6 months).
- Search & View: Use Homejourney property search.
- Negotiate & OTP: Pay S$1K-$2K fee for Option to Purchase (14-21 days).
- Submit Resale Application: HDB approves in 4-6 weeks.
- Complete: 8-12 weeks total; pay stamp duties.
Documents: NRIC, income proofs, HFE. Schedule viewing: Contact Homejourney HDB agent.
9. FAQ: Buying 520 Serangoon North Avenue 4 HDB
Q: What is the price of 520 Serangoon North Avenue 4 for sale?
A: EM units range S$938K-S$1.2M (~S$652-759 psf) based on 2025 data.[1][7]
Q: Can PR buy resale HDB at Serangoon North Avenue 4?
A: Yes, after 3 years PR, subject to EIP/SPR quotas.[HDB.gov.sg]
Q: What grants for first-timer buying Serangoon HDB for sale?
A: Up to S$160K CHG + E-CHG, plus S$30K PHG.[HDB.gov.sg]
Q: HDB loan interest rate 2026?
A: 2.6% pegged rate.[HDB.gov.sg]
Q: Schools near 520 Serangoon North Avenue 4?
A: Rosyth School (800m), ideal for 1km priority.
More FAQs? Chat with Homejourney support.
Ready for Serangoon resale flats? Homejourney ensures a safe, transparent journey. Search listings, calculate loans, or book agents today.
References
- Singapore Property Market Analysis 5 (2026)
- Singapore Property Market Analysis 7 (2026)
- Singapore Property Market Analysis 1 (2026)
- Singapore Property Market Analysis 2 (2026)
- Singapore Property Market Analysis 3 (2026)
- Singapore Property Market Analysis 8 (2026)
- Singapore Property Market Analysis 4 (2026)
- Singapore Property Market Analysis 6 (2026)
