Waterford Homes under $400,000

Welcome to Waterford, New York—a charming town nestled in the heart of Saratoga County, where the scenic beauty of the Hudson River meets the rich history of upstate New York. With its idyllic setting and vibrant community, Waterford is an ideal place for families, professionals, and retirees alike. Known for its friendly atmosphere and small-town charm, this picturesque town offers a unique blend of outdoor adventures and cultural experiences.

One of the most attractive features of Waterford is its accessibility to a variety of homes priced under $400,000. Whether you’re a first-time homebuyer looking for a cozy starter home or seeking a spacious residence for your growing family, Waterford has something to offer everyone. These homes often come with lovely yards, modern amenities, and proximity to local parks, schools, and shops. Imagine relaxing on your front porch while enjoying the serene views of the surrounding landscape or taking a leisurely stroll along the Hudson River, all while being just a short drive from the bustling cities of Albany and Saratoga Springs.

Waterford’s rich history is reflected in its well-preserved architecture and vibrant community events, making it a place where neighbors become friends and memories are made. With a strong sense of community, excellent schools, and a variety of recreational activities, Waterford is not just a place to live, but a place to thrive. Discover your dream home in Waterford today, and experience the perfect blend of comfort, convenience, and charm in this delightful town!

Newest Waterford Homes under $400,000

$399,000

3 Beds ⋅ 2 Baths ⋅ 202629058 MLS

Multiple Offers Received. Seller is asking for all offers to be in by Saturday, October 31st by 3pm. A rare opportunity to own a property offering space, flexibility, and exciting possibilities in a desirable location within the highly regarded Shenendehowa School District. Set on over 4 acres, this unique property features approximately 2 acres with an existing home, plus an additional approximately 2-acre buildable lot, offering potential for future development, investment, or additional space to enjoy. The home offers the convenience of one-floor living, with 3 bedrooms, 1.5 baths, a living room, dining room, and a separate family room, providing plenty of room for everyday living and entertaining. The spacious kitchen includes an eat in area, a pantry, offering ample storage and functionality. While the home would benefit from updating, it is a well-built property with great potential and an opportunity for a new owner to bring their own vision and personal touches. Adding to the property's unique appeal, the two acreage areas are separated by a home situated between them that is not owned by the seller. Buyers should verify property boundaries, lot configuration, and buildability with the appropriate town and county departments. With its generous acreage, one-floor living, existing home, additional buildable lot, and excellent Shenendehowa School District location, this property presents a wonderful opportunity for homeowners, investors, or buyers looking to create something special in a great area. Bring your ideas and discover the possibilities! Have your coffee on the beautiful private patio out back, and enjoy your above ground pool!

221 Fonda Road, Waterford

$279,000

5 Beds ⋅ 3 Baths ⋅ 202628547 MLS

Investors and owner-occupants take notice! Opportunity awaits with this solid three-unit property in the Village of Waterford. All three apartments are occupied by long-term tenants on month-to-month agreements, with rents currently below market value. The spacious three-bedroom second-floor apartment offers an option for an owner-occupant looking to offset housing expenses with rental income. Off-street parking adds convenience for residents. The property is ready for some cosmetic updates and improvements, offering potential to build value over time. Whether you're looking to expand your investment portfolio or explore multi-family living, bring your vision and see the possibilities! Property is located in Flood Zone AE; flood insurance may be required. 1st floor rear tenant no showings after 1 pm other 2 floors not sure till we ask

53 Third Street, Waterford

$375,000

5 Beds ⋅ 2 Baths ⋅ 202628540 MLS

Brick duplex offering long distant mountain views. Large flats, each unit has it's own garage beneath. Needs updating throughout. Current owner has little knowledge of this property, buyer should satisfy self as to condition. Sale is contingent upon subdivision from larger parcel.

23 Catallo Drive, Waterford

$159,900

2 Beds ⋅ 1 Baths ⋅ 202628521 MLS

Investor Special - Value-Add Opportunity in Waterford, NY! Calling all investors, rehabbers, and flippers! 121 Hudson River Road in Waterford presents an opportunity to bring your vision to life and unlock its potential. This property needs some work and a little TLC, making it an ideal candidate for a renovation project with the potential to build equity and create value. Priced to sell, this is an opportunity for buyers ready to roll up their sleeves and get to work. Cash offers are preferred, but rehab financing may also be an option for qualified buyers. Located along a busy main road, the property offers convenient access to local employment opportunities, including nearby industrial and manufacturing workplaces, as well as area schools and everyday amenities. Enjoy the added appeal of being within approximately five miles of two boat launches, offering access to boating and recreation on the water. Saratoga Springs is approximately 30 minutes away, expanding access to shopping, dining, entertainment, and year-round attractions. Bring your contractor, explore the possibilities, and see how this value-add property could fit your next investment project. Property is being sold as-is. Buyers should perform their own due diligence regarding condition, renovation costs, and potential resale value.

121 Hudson River Road, Waterford

$258,900

5 Beds ⋅ 2 Baths ⋅ 202628107 MLS

Great low maintenance Investment Opportunity in the heart of Waterford! Long term tenants who have always paid on or before the 1st and would love to stay. Nice large 1100sqft units with a classic floor plan. Located on a quite side street with a beautiful fenced in yard. Current rents are 1275 up & 1375 down. Upstairs unit remains in good condition and has been occupied by the same tenants for decades. Downstairs unit has been updated within the last 5 years. Recent exterior and general building updates include foundation parging / waterproofing, boiler services, hw tank replacement, front sidewalk blacktop and entryway steps, vinyl fencing and landscaping. Removal of the garage in the rear of the property has created an opportunity for an off-street parking spot and or will provide a nice starting point for a new garage in the future. Whether as an investment or owner occupy this property has a lot to offer it's next owner. Easy to show!

58 Middle Street, Waterford

$170,000

2 Beds ⋅ 1 Baths ⋅ 202627361 MLS

Charming cottage on a corner lot w/ spacious rooms and new electric service. Two off-street parking spaces. Nearby community pool & playground. Currently a solid component of an investment portfolio.

7 Ballston Street, Waterford

$249,900

4 Beds ⋅ 2 Baths ⋅ 202627321 MLS

Welcome to this charming 4 bedroom, 2 bathroom home, perfectly situated across the street from the Hudson River in Waterford. This inviting property offers a convenient layout with a bedroom, full bathroom and laundry all on the first floor. Upstairs provides three more bedrooms and another full bathroom. Outside, enjoy enchanting mornings and evenings on the back porch or enjoy the beauty of the river and the surrounding Waterford community. Close to all amenities, parks, dining and major routes. 10 Minutes to Halfmoon Town Park, 20 minutes to downtown Albany. A wonderful opportunity to own a home in a great location with the Hudson RIver as your backdrop.

118 Hudson River Road, Waterford

$275,000

3 Beds ⋅ 2 Baths ⋅ 202626818 MLS

Charming 3 Bedroom home at the end of a dead-end street in Waterford, set on a generous yard with plenty of room to enjoy the outdoors. Tastefully updated while maintaining the original charm. Both the full and half bathroom were updated within the last three years and the roof is only 4 years old. This move in ready home is a must see! Schedule your showing today!

1 Clinton Avenue, Waterford

$209,900

6 Beds ⋅ 2 Baths ⋅ 202625989 MLS

Calling all inventors, handy home owners and/or rehab loan candidates, here is your chance to use your creativity and vision to make this home shine again. This historic home on Waterford's Mansion row offers beautiful ornate original and undisturbed Victorian woodwork rarely found today and endless potential for the right buyer. Other features include a roomy working kitchen with butlers pantry and breakfast bar which open to the formal dining room with working pocket doors and half bath. Due to a recent injury, the living room is currently being used as a bedroom. The second level features a full bath and 4 good size bedrooms. Additionally, this stately home has two additional bonus rooms, currently unheated, that could be renovated back into additional bedrooms for a total of 6, or an office, exercise room or a studio. The walk up attic offers even more space to finish off if you need a rec room, media room or just use it for storage. There is a shared driveway and off street parking for 2 , but the rear fenced yard could be reconfigured for another 2 parking spots, while still leaving room for a garden and some green space. You really need to see this home to appreciate the unmatched character and warmth that harkens back thoughts of simpler days gone by. Located just minutes from both the mohawk and Hudson rivers, stores, shops, dining and, of course, low Saratoga County taxes. Unfortunately, this home not meet FHA financing guidelines without a 203K rehab loan. Only serious, reasonable offers will be entertained.

50 Saratoga Avenue, Waterford

$377,000

4 Beds ⋅ 3 Baths ⋅ 202625619 MLS

Welcome to this beautifully remodeled and truly move-in-ready home with a rare full IN-LAW SUITE located in a desirable residential neighborhood in the Village of Waterford. Offering an impressive 2,343 square feet of living space, this property provides exceptional versatility with a private in-law suite featuring its own separate entrance, brand-new kitchen with stainless steel appliances, full bathroom, living/dining area, bedroom, and laundry hookups--perfect for extended family, guests, or a potential Airbnb or short-term rental opportunity to help supplement income. The spacious main home features a large brand-new kitchen with stainless steel appliances, 1.5 baths, three generously sized bedrooms, including a primary bedroom with a walk-in closet, and plenty of comfortable living space throughout. Nearly every surface has been refreshed, including new luxury vinyl flooring in the living room, kitchens, dining areas, and bathrooms, along with new carpeting in the bedrooms, staircase, and hallway. Additional updates include beautifully renovated bathrooms, new light fixtures, fresh paint throughout, a brand-new roof, and a freshly seal-coated driveway offering convenient off-street parking. Outside, enjoy a large, fully fenced backyard with plenty of green lawn space for recreation, pets, or gardening, along with a dedicated sitting area perfect for grilling, entertaining, or simply relaxing outdoors. The convenient Village location puts you close to shops and restaurants for breakfast, lunch, or dinner, while nearby parks, scenic walking and hiking trails, and the beautiful nearby waterway offer plenty of opportunities to get outside and enjoy all that Waterford has to offer. With its extensive renovations, flexible layout, generous indoor and outdoor space, desirable location, and numerous possibilities for multi-generational living or additional income, there is nothing left to do but move in and enjo

20 7th Street, Waterford

$250,000

202625131 MLS

RARE GARAGE OPPORTUNITY IN WATERFORD, NY! Looking for serious space for your classic cars, motorcycles, boat, equipment, workshop, hobbies or personal storage? This is a property you don't see come on the market very often, this impressive 30' × 50' garage offers plenty of room and features, 10-foot ceilings, second floor measuring approximately 12' × 45', Electric, Windows, Vinyl siding, Garage door opener, 14' × 15' screened porch. Whether you're a car enthusiast, collector, hobbyist, investor, or simply someone who needs a LOT of extra space, this property offers tremendous possibilities. Waterford, New York is convenient to Halfmoon, Clifton Park, Cohoes, Troy and the surrounding Capital Region. Opportunities like this are hard to find

15 Steenburgh Avenue, Waterford

$299,900

7 Beds ⋅ 3 Baths ⋅ 202624941 MLS

**Income-producing three-family investment opportunity in the Village of Waterford!** 70 Saratoga Ave offers approximately 2,854 square feet of living space across three units, with a total of 7 bedrooms and 3 full baths. All three units are currently tenant occupied, providing an immediate opportunity for an investor seeking an established rental property. The property sits on a level 0.23-acre lot with off-street parking for multi car driveway. Additional features include public water and sewer and natural gas heat. Conveniently located in Waterford with easy access to local amenities, major roadways, and the surrounding Capital Region. Whether you're looking to expand an existing portfolio or add your first multi-family investment, this property offers solid income-producing potential in a convenient location. **Showings and access are subject to tenant availability.**

70 Saratoga Avenue, Waterford

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Waterford Homes under $400,000

Newest Waterford Homes under $400,000

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