103 Main Street S
Waterford, N0E 1Y0
$849,000
- Bedrooms
- 3
- Bathrooms
- 3
- Interior
- 2,856 ft²
- Lot
- 0.32 acres
- Type
- Detached
About this home
Circa 1890, Beautifully Reimagined — Welcome Home to Waterford. Some homes are simply lived in. This one is loved — and it shows in every thoughtfully updated corner, from the chestnut-trimmed foyer to the pond out back. Step up onto the covered front porch and through the door into a foyer where original chestnut trim and a graceful staircase set the tone for the character that runs throughout. The main living and dining area flows easily beneath engineered hickory floors, warmed by a gas fireplace — the kind of space that works equally well for a quiet night in or a full house at the holidays. The kitchen is where this home really shines: granite counters, generous casual dining space, a built-in desk for the everyday hustle, and no shortage of storage.
A second staircase tucked just off the kitchen leads upstairs — handy, and a nice nod to how these century homes were built to actually be lived in. Just beyond, a large family room offers a second gas fireplace and a view out over the backyard, while a rear mud room leads to the deck — ready for barbecues and long summer evenings. Rounding out the main floor: a two-piece bath, laundry tucked behind a charming antique door, and a private office with its own separate entrance — ideal for working from home without the commute. Upstairs, three generously sized bedrooms with hardwood floors are served by two well-appointed baths — one with heated floors and a soaker tub for slow mornings, the other with a custom 42" x 70" walk-in shower.
Outside, mature trees and shrubs frame a beautifully landscaped yard anchored by a tranquil pond, while a two-car garage with its own attached deck and a versatile workshop add space for hobbies, storage, or projects of every kind. Move-in ready and full of character — this Waterford gem is ready for its next chapter.
Property details
- Property type
- Detached
- Ownership
- Freehold
- Style
- Craftsman
- Age
- 100+ Years
- Property taxes
- $4,047
- Heating
- Fireplace-Gas, Forced Air, Natural Gas
- Cooling
- Central Air
- Basement
- Walk-Up Access, Partial, Unfinished
- Fireplace
- Family Room, Living Room
- Parking
- 6 spaces, detached garage
- Water
- Municipal-Metered
- Sewer
- Sewer (Municipal)
- Lot
- 0.32 acres
- Zoning
- R1-A
- Time on market
- 72 days on market
- MLS® number
- 40856856
Features
Inside
- High Speed Internet
- Central Vacuum
- Ceiling Fan(s)
Outside
- Landscaped
- Lawn Sprinkler System
- Vinyl Siding
- Asphalt Shing roof
The lot
- Urban
- Dog Park
- Near Golf Course
- Library
- Park
- Place of Worship
- Rec./Community Centre
- Schools
- Trails
Included with the home: Built-in Microwave,Central Vac,Dishwasher,Garage Door Opener,Refrigerator,Window Coverings
Rooms
Measurements are deemed reliable but not guaranteed.
| Room | Level | Size | Details |
|---|---|---|---|
| Foyer | Main | 8' 10" × 12' 5" | Fireplace |
| Living Room | Main | 12' 1" × 16' 10" | Fireplace |
| Dining Room | Main | 12' 1" × 8' 9" | 2pc bath / Laundry room has a massive antique door. |
| Other | Main | 8' 10" × 10' 2" | Small room between dining room & kitchen |
| Eat-in Kitchen | Main | 31' 6" × 12' 6" | |
| Bathroom | Main | 5' 4" × 6' 4" | with laundry in room |
| Office | Main | 8' 6" × 9' 7" | |
| Family Room | Main | 20' 2" × 19' 5" | Fireplace |
| Other | Main | 4' 10" × 7' 7" | Small room off family room. |
| Mud Room | Main | 7' 2" × 9' | Rear entrance from side deck. |
| Bedroom Primary | Second | 11' 8" × 17' 3" | |
| Bathroom | Second | 5' 5" × 10' 2" | 3-Piece |
| Bathroom | Second | 6' 2" × 10' 8" | 3-Piece |
| Bedroom | Second | 10' 3" × 12' 3" | |
| Bedroom | Second | 15' 9" × 12' 9" | |
| Other | Basement | 10' 5" × 11' 10" | Currently used as a workout room. |
| Storage | Basement | 10' 4" × 18' 9" | Basement Storage Room |
Location
Thinking about the area? Read our guide to living in Waterford.
Estimate your payment
20% down. The minimum on this price is $59,900.
Your monthly payment
$3,759
- Mortgage amount
- $679,200
- Interest over the amortization
- $448,556
An estimate at a fixed rate compounded twice a year. Insurance applies under 20% down. Your lender sets the real numbers, and the team can introduce you to a mortgage professional.
Ontario land transfer tax
How the tax adds up
| $0 to $55,000 | 0.5% | $275.00 |
| $55,000 to $250,000 | 1.0% | $1,950.00 |
| $250,000 to $400,000 | 1.5% | $2,250.00 |
| $400,000 to $849,000 | 2.0% | $8,980.00 |
Ontario land transfer tax
$13,455
- Tax before any refund
- $13,455.00
- You pay on closing
- $13,455.00
For a home with one or two single-family residences anywhere in Ontario outside Toronto. Your real estate lawyer confirms the amount and pays it on closing.
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