$949,000
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138 St. James Street S, Waterford on N0E 1Y0, Waterford, ON N0E 1Y0

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4 Beds
3 Baths
2,420 Sq Ft

A rare offering in the heart of Waterford this 1895 Victorian, architecturally updated in 1936, has been cared for by the same family for over two decades, and it shows in every detail. Solid brick construction, two classic covered porches, and mature, once-showcased gardens set the tone before you even step through the door. Inside, over 2, 400 square feet unfolds across two storeys: a warm eat-in kitchen, a main floor office, a main floor 2-piece bathroom, and a formal dining room, all connected by rich hardwood floors, crown moulding, antique light fixtures, and etched and stained-glass details true to the home's era. The living room anchors it all with a gas fireplace and custom hardwood cabinetry, while a sunroom off the main level houses a hot tub the perfect spot to unwind. Upstairs, 4 generous bedrooms include a primary suite with its own 3-piece ensuite, plus a second full bath serving the rest of the level. Outside, the 0.41-acre lot is a private retreat framed by trees, hedges, and fencing, complete with a gazebo, patio, and beautifully kept gardens. The detached double garage doubles as a coach house, with a generous sized entrance area below and a self-contained loft studio above kitchenette, bed/sitting room, and 3-piece bath included, ideal for guests, extended family, or added income potential. Just a short walk from the Waterford ponds, boat launch, and the scenic Waterford Heritage Trail connecting to Port Dover and Brantford, with the Wishbone Brewery, antique market, and other local shops all close by, this is a home with character, history, and room to grow into set in one of Norfolk County's most walkable small towns. And with Waterford perfectly located just a short drive to all major centres for shopping, entertainment, and employment, you get small-town charm without sacrificing convenience.

Listing By: Daryl Rainey - Progressive Realty Group Inc. cnitso Realty.com
  • MLS® 40856474
  • Date Listed08/19/2026
  • Days on Realty 43 Days
  • Bedrooms 4
  • Bathrooms 2 Full baths, 1 Half baths
  • Lot Size 0.41 acres (17,860 sq. ft)
  • County Norfolk
  • Year Built 1895
  • Square Feet 2,420 sq. ft
  • Price Per Sq. Ft $392.15

Interior Features

  • Appliances Instant Hot Water, Water Heater Owned, Water Softener, Built-in Microwave, Dishwasher, Dryer, Hot Water Tank Owned, Refrigerator, Stove, Washer
  • Cooling Ductless
  • Heating Gas Hot Water

Exterior / Lot Features

  • Exterior Landscaped, Lawn Sprinkler System
  • Roof -
  • Lot Size Acres 0.41
  • Lot Size SQFT 17,859.60
  • Lot Features Urban, Rectangular, Dog Park, Near Golf Course, Library, Park, Place of Worship, Rec./ Community Centre, Schools, Trails

Schools near N0E 1Y0

Explore the local neighborhood highlights and top-rated schools near N0E 1Y0 in Waterford, ON.

Nearby Schools

Source: School Digger

Howard C Johnson Elementary School

Public • PK - 5 • Serves this home

2.22 km

Distance

Land O Pines Elementary School

Public • PK - 2

2.61 km

Distance

Sylvia Rosenauer Elementary School

Public • PK - 5

3.03 km

Distance

Lucy N Holman Elementary School

Public • PK - 5

4.77 km

Distance

Adelphia Primary School

Public • PK - 2

6.28 km

Distance

Lakewood Early Childhood Center

Public • PK - PK

6.73 km

Distance

Piner Elementary School

Public • PK - 2

7.36 km

Distance

Farmingdale Elementary School

Public • PK - 8

7.43 km

Distance

Aldrich Elementary School

Public • 3 - 5

0.62 km

Distance

Newbury Elementary School

Public • 3 - 5

2.6 km

Distance

Ardena Elementary School

Public • 3 - 5

5.6 km

Distance

Howell Twp Middle School North

Public • 6 - 8 • Serves this home

6.19 km

Distance

Howell Township Memorial Elementary School

Public • 3 - 5

6.28 km

Distance

Ella G Clarke Elementary School

Public • 3 - 5

6.73 km

Distance

Lakewood Middle School

Public • 6 - 8

7.12 km

Distance

Christa Mcauliffe Mid School

Public • 6 - 8

7.3 km

Distance

Howell Township Middle School South

Public • 6 - 8

7.36 km

Distance

Ramtown Elementary School

Public • 3 - 5

8.01 km

Distance

Lakewood High School

Public • 9 - 12

5.86 km

Distance

Howell High School

Public • 9 - 12 • Serves this home

6.19 km

Distance

Jackson Liberty High School

Public • 9 - 12

6.35 km

Distance

Freehold Township High School

Public • 9 - 12

7.67 km

Distance

Alpha School

Private • UG - UG

2.95 km

Distance

Yeshiva Bais Hachinuch

Private • 08 - 10

3.03 km

Distance

Bais Leah High School

Private • 09 - 12

3.07 km

Distance

Yeshiva Emek Hatorah

Private • 09 - 11

4.04 km

Distance

Yeshiva Yaaros Devash

Private • 09 - 12

4.04 km

Distance

Yeshiva Birchas Chaim

Private • 09 - 12

4.04 km

Distance

Yeshiva Bais Yisroel

Private • 09 - 11

5.21 km

Distance

Mesivta Of Lakewood

Private • 08 - 12

5.21 km

Distance

Mesivta Nezer Hatorah

Private • 09 - 12

5.86 km

Distance

Knesses Bais Levi

Private • 08 - 12

5.86 km

Distance

Sales & Tax History

Source: Public Records

Local Neighborhood Highlights for N0E 1Y0

Discover key demographics, population statistics, and environmental insights for the Waterford, ON area.

Walkability in ON / N0E 1Y0

Source: Walk Score

66/100

Somewhat Walkable

Walk Score ®

0/100

Minimal Transit

Transit Score ®

47/100

Bikable

Bike Score ®

Overview

Some errands can be accomplished on foot. It is possible to get on a bus. Minimal bike infrastructure.

Walkability averages in the surrounding area

The average walkability score in the surrounding area is Walk Score: 4/100, Transit Score: 0/100, Bike Score: 20/100.

Points of Interest near 138 St. James Street S, Waterford ON N0E 1Y0, Waterford, ON N0E 1Y0

Frequently Asked Questions for 138 St. James Street S, Waterford ON N0E 1Y0

Source: Realty.com

138 St. James Street S, Waterford ON N0E 1Y0, Waterford, ON N0E 1Y0 in Waterford, ON N0E 1Y0 is a single family residence listed at $949,000. Highlights include 4 bedrooms, 3 bathrooms, 2,420 sq. ft., built in 1895, 0.41 acre lot, $392 per sq. ft.. Realty.ca has 50 photos, sales history, school insights, and mortgag...

Realty.com has 50 photos of 138 St. James Street S, Waterford ON N0E 1Y0.

Our records indicate that 138 St. James Street S, Waterford ON N0E 1Y0 was built in 1895.

The full address for this home is 138 St. James Street S, Waterford ON N0E 1Y0, Waterford, ON N0E 1Y0.

138 St. James Street S, Waterford ON N0E 1Y0 has been listed on Realty.com since Wed August 19, 2026

Some errands can be accomplished on foot. It is possible to get on a bus. Minimal bike infrastructure.

The average walkability score in the surrounding area is Walk Score: 4/100, Transit Score: 0/100, Bike Score: 20/100.

There are 3 schools assigned to this home. Check out the schools near 138 St. James Street S, Waterford ON N0E 1Y0. Howard C Johnson Elementary School (Grades: PK - 5), Howell Twp Middle School North (Grades: 6 - 8), Howell High School (Grades: 9 - 12)

Listing provided courtesy of: Progressive Realty Group Inc. - itso (tel: 519-443-7704)
Listing agent: Daryl Rainey (tel: 519-427-8113)

This content last refreshed on 2026-10-01 01:39:38. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available.