Harmony @ 1a For Sale: District 19 Condo Units & Investment Guide

Harmony @ 1a For Sale: Your Complete Guide to District 19 Condo Units & Investment Opportunities

Harmony @ 1a represents a distinctive opportunity in Singapore's District 19 property market—a freehold boutique condominium with just 12 units offering exclusivity, security, and strong investment fundamentals. Located along Lim Ah Pin Road in the Serangoon-Hougang corridor, this 2007-completed development has become increasingly attractive to both owner-occupiers and property investors seeking quality residences with genuine scarcity value. At Homejourney, we've analyzed the complete market data, transaction history, and lifestyle factors to help you make an informed buying decision about this unique development.

Table of Contents

• Executive Summary: Why Harmony @ 1a Matters
• Property Overview & Development Highlights
• Available Units for Sale: Types & Pricing
• Why Buy at Harmony @ 1a
• Price Analysis & Market Trends
• Location Advantages: Connectivity & Amenities
• Financing Guide for Buyers
• The Buying Process: Step-by-Step
• Investment Potential & Rental Yields
• Frequently Asked Questions
• Next Steps: How Homejourney Supports Your Purchase

Executive Summary: Why Harmony @ 1a Matters in Today's Market

Harmony @ 1a stands out in Singapore's competitive property landscape for a fundamental reason: genuine scarcity. With only 12 units across a single 5-storey block on an 8,016 sq ft site, this development offers the low-density living experience that increasingly appeals to buyers seeking privacy, community, and investment stability. Unlike larger developments where unit availability fluctuates significantly, the limited unit count at Harmony @ 1a means each property transaction carries genuine market weight and visibility.

The development's freehold status—a significant advantage in Singapore's property market—combined with its strategic District 19 location provides dual appeal: lifestyle benefits for owner-occupiers and strong fundamentals for investors. Recent rental data shows consistent demand across unit types, with 1-bedroom units commanding $2,500-$2,800 monthly and 3-bedroom units reaching $3,700-$4,200, indicating healthy tenant appetite for this location.

For buyers evaluating District 19 properties, Harmony @ 1a represents a unique intersection of exclusivity, established infrastructure, and proven investment performance. This comprehensive guide walks you through every aspect of purchasing here—from understanding available unit types to calculating your financing options to assessing long-term investment potential.

Property Overview & Development Highlights

The Development at a Glance

Harmony @ 1a is a freehold boutique condominium developed by V Chandra Seharan and completed in 2007. The development comprises a single 5-storey block containing exactly 12 residential units—a deliberate design choice that prioritizes quality over quantity. This low-density approach has proven remarkably attractive to Singapore buyers seeking alternatives to high-rise, high-density developments that dominate the market.

The site area of 8,016 sq ft supports extensive communal facilities unusual for a 12-unit development: a swimming pool, children's playground, landscaped gardens, and dedicated car parking. The entire residence operates under 24-hour security with controlled access, contributing to the safe, secure environment that Homejourney users consistently prioritize when evaluating properties.

Why This Development Attracts Serious Buyers

The boutique nature of Harmony @ 1a creates several advantages that resonate with today's property buyers. First, the low unit count means stronger community cohesion—residents genuinely know their neighbors, and the shared facilities see regular use rather than becoming underutilized amenities. Second, the freehold tenure eliminates lease decay concerns that affect leasehold properties, preserving long-term value. Third, the established 2007 completion date means all structural and design elements have proven durability, with no uncertainty about developer performance or project completion.

The development's location in the heart of Serangoon-Hougang—one of Singapore's most established residential areas—provides the stability of mature infrastructure combined with ongoing rejuvenation. This combination appeals to both families seeking stable, proven neighborhoods and investors seeking areas with demonstrated resilience.

Available Units for Sale: Types, Sizes & Pricing

Unit Configuration Overview

Harmony @ 1a offers three distinct unit types designed to accommodate different household compositions and lifestyle preferences. Unit sizes range from 484 sq ft (compact 1-bedroom) to 1,238 sq ft (spacious 3-bedroom), providing flexibility across buyer segments.

*Price estimates based on recent comparable transactions and current market rates. Actual prices vary based on unit condition, floor level, and specific features. Consult with Homejourney agents for current asking prices.

Most Popular Unit Types for Buyers

Based on recent market activity and rental demand patterns, the 2-bedroom units represent the most balanced option for both owner-occupiers and investors. These units offer genuine living space for small families while maintaining strong rental appeal—2-bedroom units in the $1,100,000 range typically attract quality tenants and command consistent rental demand.

However, buyer preferences vary significantly by profile. First-time buyers often focus on 1-bedroom units, appreciating the lower entry price point and lower ongoing maintenance costs. Investors frequently target 1-bedroom units specifically for their strong rental yield relative to purchase price. Families with children typically prioritize 2-bedroom or 3-bedroom configurations, valuing the additional space for home offices and children's study areas.

Current Market Availability

Given the 12-unit total development size, availability at Harmony @ 1a fluctuates more noticeably than larger developments. Typically, 1-3 units may be available for sale at any given time, though this varies seasonally and based on owner circumstances. The limited supply actually strengthens buyer negotiating position in some cases—when a unit becomes available, serious buyers recognize the scarcity and move quickly.

To view all currently available units for sale at Harmony @ 1a with detailed floor plans, photos, and agent contact information, browse available listings on Homejourney where we verify all property information to ensure you're viewing accurate, current data. We also recommend setting up property alerts so you're notified immediately when new units become available.

Why Buy at Harmony @ 1a: Key Value Propositions

Freehold Tenure: Long-Term Value Protection

Unlike the majority of Singapore condominiums built on 99-year leasehold land, Harmony @ 1a's freehold status represents a fundamental advantage. Freehold ownership means zero lease decay concerns—your property doesn't lose value as lease years diminish. For long-term owner-occupiers, this eliminates the lease-extension complexity that eventually confronts leasehold property owners. For investors, freehold status supports stronger capital appreciation and rental appeal, as tenants prefer properties with indefinite tenure certainty.

Boutique Development: Exclusivity & Community

The 12-unit configuration creates a genuinely intimate community environment. Residents know each other, shared facilities receive regular use, and the development maintains a residential rather than commercial atmosphere. This exclusivity appeals particularly to buyers seeking to escape the anonymity of larger developments and to investors targeting properties with strong tenant satisfaction and low turnover.

Established Infrastructure & Proven Track Record

Completed in 2007, Harmony @ 1a has weathered nearly two decades of Singapore's property cycles, demonstrating durability and sustained appeal. The development's continued popularity in the rental market—with consistent tenant demand across all unit types—validates its fundamental appeal and location strength. Buyers benefit from proven infrastructure, established management systems, and a track record of stable property values.

Strategic District 19 Location: Serangoon-Hougang Corridor

District 19 encompasses Serangoon and Hougang, two of Singapore's most mature, family-friendly residential areas. The location offers exceptional balance: excellent public transport connectivity, comprehensive educational facilities, abundant shopping and dining options, and strong community infrastructure. For families, this means established schools and recreational facilities. For investors, this means proven tenant demand and stable property values.

Comprehensive Facilities in a Low-Density Setting

Most 12-unit developments offer minimal amenities, but Harmony @ 1a provides swimming pool, children's playground, landscaped gardens, and dedicated car parking. This facility offering typically found in much larger developments creates exceptional lifestyle value for residents and strengthens rental appeal for investors.

Price Analysis & Market Trends for Buyers

Current Pricing Framework

Recent comparable transactions provide clear pricing guidance for Harmony @ 1a units. Based on verified market data, the development trades at approximately $1,200-$1,230 per square foot for resale transactions, translating to:

• 1-bedroom units (500-600 sq ft): $600,000-$735,000
• 2-bedroom units (900-1,000 sq ft): $1,080,000-$1,230,000
• 3-bedroom units (1,200-1,300 sq ft): $1,440,000-$1,599,000

These price points reflect the development's freehold status, established location, and consistent market demand. Price variation within each category depends on specific unit factors: floor level (higher floors typically command 2-5% premiums), unit condition, and specific amenity access.

Historical Appreciation & Value Stability

District 19 properties have demonstrated stable, consistent appreciation over the past decade. While Singapore's property market experiences cyclical fluctuations, established residential areas like Serangoon-Hougang maintain value through economic cycles due to strong underlying demand for family housing and established infrastructure. Harmony @ 1a's freehold status and boutique nature have supported value retention better than many comparable leasehold developments.

For buyers evaluating long-term investment, this stability represents significant value. Unlike speculative properties in emerging areas, Harmony @ 1a offers the confidence of an established, proven location with demonstrated tenant demand and owner satisfaction.

Price Comparison with Nearby Developments

District 19 includes numerous other condominium developments, but few match Harmony @ 1a's combination of freehold tenure, boutique scale, and established track record. Comparable leasehold developments in the same area typically trade at similar per-square-foot prices but with the ongoing lease decay concern that affects long-term value. This makes Harmony @ 1a's freehold status a meaningful value differentiator worth the premium some buyers may pay.

For detailed price trend analysis, transaction history, and comparative market data, view detailed price trends and transaction history for Harmony @ 1a on Homejourney, where we track all verified sales and rental transactions to help you understand market dynamics.

Location Advantages: Connectivity, Amenities & Lifestyle

MRT Connectivity: Excellent Access to Singapore's Transport Network

Harmony @ 1a's location along Lim Ah Pin Road provides exceptional public transport connectivity. Three MRT stations serve the development:

• Kovan MRT (NE13): 0.52 km away (approximately 7-minute walk)—direct access to the North-East Line connecting to Dhoby Ghaut, Orchard, and the city center
• Hougang MRT (NE14): 1.05 km away (approximately 13-minute walk)—same North-East Line corridor
• Serangoon MRT (NE12): 2.23 km away (approximately 28-minute walk or 5-minute bus ride)—interchange with Circle Line for additional connectivity options

This multi-station accessibility means residents enjoy genuine transport choice. Kovan's proximity makes it the primary station for most residents, but the existence of alternatives provides flexibility during service disruptions or peak-hour crowding. For commuters to the city center or Orchard shopping belt, the North-East Line provides direct, efficient access.

Road Connectivity for Vehicle Owners

Vehicle owners benefit from direct access to Central Expressway (CTE) and Kallang-Paya Lebar Expressway (KPE), enabling quick travel to business districts, airport, and other parts of Singapore. The location's balance of expressway access and quiet residential streets appeals particularly to families valuing both convenience and tranquility.

Educational Institutions: Schools for Every Level

District 19's established status means comprehensive educational facilities:

Primary Schools: Xing Hua Primary School, Paya Lebar Methodist Girls' Primary School, Holy Innocents' Primary School, and Xinmin Primary School all serve the area, providing parents with multiple quality options.

Secondary Schools: Paya Lebar Methodist Girls' Secondary School and Montfort Secondary School offer established secondary education within the district.

Junior College: Serangoon Junior College provides local post-secondary education options.

International Schools: For families seeking international education, DPS International School and Lycee Francais De Singapour operate in the vicinity, expanding educational choices.

This educational diversity makes Harmony @ 1a particularly attractive to families with children, as quality schooling options exist at every level within reasonable proximity.

Shopping, Dining & Entertainment

The Serangoon-Hougang corridor offers abundant shopping and dining options:

Shopping Centers: Heartland Mall, Kovan Centre, ICB Shopping Centre, Upper Serangoon Shopping Centre, Hougang Mall, and Tai Keng Shopping Centre provide diverse retail options from fashion to electronics to home goods.

Supermarkets: Cold Storage, Sheng Siong, and NTUC Fairprice locations throughout the area ensure convenient grocery shopping.

Dining Destinations: The famous Chomp Chomp Food Centre and Serangoon Garden Market & Food Centre offer extensive local cuisine options, from hawker favorites to restaurant dining. The area's culinary reputation attracts visitors from across Singapore, indicating the quality and diversity of dining available to residents.

Healthcare Facilities

Quality healthcare is readily accessible: Mount Elizabeth Novena Hospital, Sengkang General Hospital, and Mount Alvernia Hospital all serve the district, ensuring residents have access to comprehensive medical facilities for routine care and specialist services.

Parks & Recreation

The North-Eastern region offers abundant green spaces and recreational facilities. Residents enjoy proximity to parks, community centers, and recreational facilities that support active, healthy lifestyles. The area's reputation for lush greenery and lower density compared to central Singapore appeals to families and individuals seeking more spacious, nature-connected living.

Financing Guide for Buyers: Mortgages, Down Payments & CPF

Understanding Your Financing Options

Purchasing a property at Harmony @ 1a typically involves three financing components: down payment, mortgage loan, and CPF utilization. Understanding each component helps you structure your purchase optimally.

Down Payment Requirements

Most Singapore banks require a minimum 25% down payment for property purchases, though some buyers with strong financial profiles may negotiate 20% down payments. For Harmony @ 1a units:

• 1-bedroom unit ($650,000 example): Down payment of $162,500 (25%) to $130,000 (20%)
• 2-bedroom unit ($1,100,000 example): Down payment of $275,000 (25%) to $220,000 (20%)
• 3-bedroom unit ($1,500,000 example): Down payment of $375,000 (25%) to $300,000 (20%)

CPF Usage for Property Purchase

Singapore citizens and permanent residents can utilize CPF Ordinary Account (OA) funds for property purchases, significantly reducing cash down payment requirements. CPF can be used for:

• Down payment (up to the full amount available in your OA)
• Mortgage loan repayment (automatic deduction from monthly salary)
• Stamp duties and legal fees

For most buyers, CPF utilization reduces the required cash down payment substantially. For example, a buyer with $200,000 in CPF OA savings might need only $75,000-$125,000 in actual cash for a $1,100,000 purchase, with CPF covering the remainder of the down payment.

Mortgage Loan Terms & Monthly Payment Examples

After down payment, buyers typically finance the remainder through bank mortgages. Current mortgage rates in Singapore range from approximately 3.5% to 4.5% depending on bank, loan tenure, and individual circumstances. Here's what monthly payments might look like for different unit types (based on 25-year loan tenure at 4.0% interest rate):

*Estimates based on 4.0% interest rate, 25-year tenure. Actual payments vary based on actual interest rates, tenure chosen, and CPF deductions. Use Homejourney's mortgage calculator for personalized estimates.

Additional Buyer Stamp Duty (ABSD) Considerations

Singapore imposes Additional Buyer's Stamp Duty (ABSD) on property purchases for certain buyer profiles:

• Singapore Citizens: 5% ABSD on purchase price (for second property onward)
• Singapore Permanent Residents: 10% ABSD on purchase price
• Foreign Buyers: 15% ABSD on purchase price

First-time Singapore citizen buyers are exempt from ABSD. ABSD significantly impacts total purchase cost, so understanding your profile's obligations is essential for budgeting. For example, a PR buyer purchasing a $1,100,000 unit would pay $110,000 in ABSD, increasing total cash requirements substantially.

Total Cost of Purchase: Beyond the Price Tag

Beyond purchase price and ABSD, budget for:

• Legal and conveyancing fees: Approximately $1,500-$3,000
• Valuation fees: Approximately $400-$800
• Stamp duty on mortgage: Approximately 0.4% of loan amount
• Property tax: Annual tax based on assessed value
• Management fees: Approximately $200-$300 monthly for Harmony @ 1a

Total transaction costs typically range from 3-5% of purchase price, so factoring this into your budget is essential.

Using Homejourney's Mortgage Calculator

To calculate your specific financing situation based on your down payment capacity, CPF balance, and preferred loan tenure, check your buying power with Homejourney's mortgage calculator. This tool provides personalized estimates accounting for current interest rates, your specific circumstances, and different loan scenarios, helping you understand exactly what monthly payments and total costs you'll face.

The Buying Process: Step-by-Step Guide for Harmony @ 1a Purchases

Step 1: Property Search & Viewing

Begin by identifying available units that match your requirements. Browse Harmony @ 1a listings on Homejourney to see current availability, unit details, and floor plans. Once you've identified properties of interest, schedule viewings with the listing agent. During viewings, examine unit condition, verify square footage, assess natural light and ventilation, and inspect common facilities. Ask about recent renovations, any defects, and maintenance history.

Step 2: Financial Preparation

Before making an offer, ensure your financing is arranged. Obtain a mortgage pre-approval letter from your preferred bank, confirming the maximum loan amount you qualify for. Verify your CPF balance and confirm how much you can allocate to the purchase. Calculate your total available cash (savings plus CPF) to determine your realistic buying range. Understanding your exact financial capacity prevents wasted time on properties outside your means.

Step 3: Making an Offer

Once you've identified your target property, work with the agent to submit a written offer. The offer should specify the proposed purchase price, proposed completion date, and any conditions (such as satisfactory inspection or financing approval). Expect negotiation—sellers may counter-offer, and you may need to adjust your offer. Once both parties agree on terms, you'll sign an Option to Purchase (OTP).

Step 4: Option to Purchase Period

The OTP provides a fixed period (typically 7-14 days) for you to conduct due diligence. During this period, you should:

• Arrange professional property inspection
• Verify title documents and ownership records with your lawyer
• Confirm mortgage approval from your bank
• Check for any outstanding property taxes or management fees
• Review the development's financial statements and management records

Your lawyer will guide you through these checks. If any issues emerge, you can negotiate with the seller or withdraw from the purchase (forfeiting your option fee, typically 1% of purchase price).

Step 5: Mortgage Application & Approval

Submit your complete mortgage application to your chosen bank, providing all required documentation: employment letters, recent payslips, CPF statements, and property details. The bank will conduct property valuation and assess your financial profile. Mortgage approval typically takes 2-4 weeks. Once approved, your bank issues a formal mortgage offer letter outlining loan terms, interest rate, and conditions.

Step 6: Signing the Sales & Purchase Agreement

Once the OTP period expires and you've confirmed all details, you'll sign the formal Sales & Purchase (S&P) Agreement with the seller. This legally binding document specifies all transaction terms: purchase price, payment schedule, completion date, and any special conditions. Your lawyer will review the S&P before you sign to ensure your interests are protected.

Step 7: Payment & Completion

Typically, you'll make payments in stages: initial deposit (usually 5% of purchase price), further payments as completion approaches, and final payment upon completion. On the completion date, you'll transfer the remaining funds, your lawyer will handle all legal documentation transfer, and you'll receive the keys. This process typically takes 8-12 weeks from S&P signing to completion.

Step 8: Post-Completion: Ownership Transfer & Registration

After completion, your lawyer handles registration of the property in your name with the Singapore Land Authority. This process typically takes 4-8 weeks. Once registration is complete, you're the official owner and can begin occupancy or rental arrangements.

Professional Support You'll Need

Throughout this process, you'll benefit from professional guidance:

• Real Estate Agent: Helps identify properties, negotiate terms, and coordinate the transaction
• Property Lawyer: Reviews all legal documents, conducts due diligence, and handles registration
• Bank/Mortgage Officer: Guides financing process and manages loan approval
• Property Inspector (optional): Conducts professional inspection to identify any structural or maintenance issues

Schedule a viewing with a property agent on Homejourney