Terms

What Flatworth is

Flatworth.com is operated by NAVARO Pte Ltd, Singapore. It computes indicative sale and rental figures for HDB flats from public transaction records published by the Housing and Development Board on data.gov.sg under the Singapore Open Data Licence. Flatworth is not affiliated with, endorsed by, or an official service of HDB or the Singapore Government.

Disclaimer

Our figures are indications from Flatworth's own analytics on public records, not an HDB or bank valuation; Flatworth is not an HDB-appointed or licensed valuer. The full disclaimer, which forms part of these terms, is on its own page: flatworth.com/disclaimer.

The free check

Free, unlimited, no account. Until you sign in it stores no personal data; what sign-in stores is in the privacy notice. Requests are rate-limited per connection.

The paid products

The Flat Report: S$39, one-time, one flat. A listing plan with a floor, your prices against the Flatworth Estimate and the cash over valuation (COV) a buyer would need above it, the buyer pool your remaining lease allows, the cost of waiting, sell or hold, and the block's sale history, delivered as a link that stays live for 90 days, with three re-runs on new transactions in that time. Flat Watch: S$59 for one year, one flat. A fresh Flatworth Estimate by email each month, an alert when a sale or rental in the block registers, a Flat Report each quarter. The Seller's Pack: S$89, the Flat Report and a year of Flat Watch. The Buyer's Report: S$39, one-time, one flat. An opening offer, a target and a walk-away price placed against the comparables, the cash over valuation, loan, cash, CPF and Buyer's Stamp Duty at each, whether the remaining lease allows full CPF use, and the flat's value and rent when the buyer's own minimum occupation period ends; delivered as a link with three re-runs over 90 days, and covered by the same range promise as the Flat Report. The Consultant's Report: S$59, one-time, one flat, for property salespersons: the seller's and buyer's reports for the same flat in one purchase, each printable on its own with the salesperson's own name, agency, CEA registration number and phone as they enter them, with six re-runs over 90 days. The salesperson is responsible for how they present the figures to clients; the figures are not an HDB or bank valuation. Nothing renews by itself.

The range promise

If HDB's valuation of the same flat, issued by an HDB-appointed valuer after an Option to Purchase granted within 90 days of the report, falls outside the report's Flatworth Range (conservative to aggressive) as shown on the report at the time of purchase, we refund the report's price in full. Send the HDB valuation letter and the report link to hello@flatworth.com. The Flatworth Range is set to cover about four in five registered prices, measured on 1,500 held-out sales from January to August 2026, and is stated on every report; it is a promise about our own figure, not about any sale price or any valuer's decision.

How to claim under the range promise

What counts as evidence. HDB's valuation of the same flat, shown either as the valuation letter or as the "Request for Value" outcome on the HDB Flat Portal, with the flat's address, the valuation figure and its date visible; and the date the Option to Purchase was granted, which must fall within 90 days of the report's purchase date. A screenshot of the portal page is accepted if those details are legible. Bank indicative valuations, agent opinions and other portals' estimates are not HDB's valuation and do not count.

What we compare. The HDB valuation figure against the Flatworth Range as it stood on the report at the time of purchase, which we hold on record. Outside the range means below the conservative figure or above the aggressive figure.

How it is decided. Send the evidence and the report link to hello@flatworth.com. We reply within seven days with the comparison and the decision in writing. A qualifying claim is refunded in full to the original payment method within fourteen days of the decision; a Flat Watch or Seller's Pack claim refunds the report component. If you disagree with a decision, say so and a second person at Flatworth reviews it. This promise is about our own figure; it does not compensate for any sale price, negotiation or financing outcome.

Delivery and refunds

Reports are computed within seconds of payment and the link is shown on the confirmation page and sent to the email given at checkout. If a report cannot be produced because the block has no comparable records, we refund in full. Otherwise digital reports are non-refundable once delivered, except where the law provides. Write to hello@flatworth.com.

Data we hold

A purchase creates a payment record with our payment provider, Stripe, and a report record holding the flat's block, street, type, level and size, the payment reference and the email given at checkout. We use that email to deliver the report and, for Flat Watch, the monthly emails. We do not sell or share it.

Accuracy

The records are HDB's; we do not alter them. Figures move as new transactions register. The method is described on the home page and its version is shown on every result.