Offering the charm of a century home with the benefits of extensive modern reconstruction, this impressive Water Street property in Lucan has been thoughtfully updated from top to bottom. Extensive improvements include electrical, plumbing, HVAC, insulation, structural reinforcement, and quality finishes throughout, offering peace of mind and move-in-ready living. Ideally located within walking distance of downtown, the Lucan Community Memorial Centre, schools, parks, grocery stores, and restaurants. The main floor features an open-concept kitchen, dining, and living area with butcher block countertops, ample cabinetry, and a spacious pantry. Two bedrooms, a renovated 3-piece bathroom, and main-floor laundry add everyday convenience. Upstairs, three additional bedrooms and an updated 4-piece bathroom provide flexibility for family, guests, or a home office. Original details include coffered wainscoting, tray ceilings, shiplap accents, and a restored oversized pocket door dating back to the 1880s. Outside, enjoy a fully fenced backyard with a covered deck and two storage sheds. One shed is insulated and equipped with hydro and heat, making it ideal for a workshop or hobby space. A rare opportunity to own a thoughtfully updated five-bedroom home with extensive modern improvements, a flexible layout, and a convenient location in the heart of Lucan. Click on the virtual tour link, view the floor plans, photos and YouTube link and then call your REALTOR to schedule your private viewing of this great property!
5 bedrooms, 2 bathrooms, about 1,500 sq ft, works out to roughly $400 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 195 Water St
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
1500-2000 sq ftas stated on the listing
Parking
4 spaces
Basement
Crawl Space
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
Crawl Space
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Detached
195 Water St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14030272$599,900
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 195 Water St Compares to the Lucan Biddulph Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$2,947
/mo
based on the purchase price of $599,900
$119,980 cash
$479,920 financed
$404,219 total interest
Principal54%$479,920
Interest46%$404,219
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in Lucan Biddulph
Other 4-bed homes for sale in Lucan Biddulph around $600K.
Average days on market47Homes sold in about 47 days on average.
Sale-to-list ratio98.0%On average, homes sold below asking.
Active listings58Homes for sale here right now.
Median vs prior 90 days−3.2%Compared with Apr 18 – Jul 17, 2026: prices down.
Based on 29 sales from Jul 17 – Oct 15, 2026 (36 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 195 Water St
How much is 195 Water St listed for?
195 Water St is listed at $599,900 (MLS® X14030272). Summitly updates the price as soon as the MLS® record changes.
Is $599,900 a good price for 195 Water St?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Lucan Biddulph. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 195 Water St changed?
No — 195 Water St is still listed at its original asking price of $599,900.
How many bedrooms and bathrooms does 195 Water St have?
195 Water St has 5 bedrooms and 2 bathrooms, with about 1,500–2,000 square feet of living space. It is a detached home in Lucan Biddulph.
How much would the monthly mortgage be on 195 Water St?
About $2,947 a month — principal and interest on $599,900 with 20% down ($119,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 195 Water St compare with other homes in Lucan Biddulph?
Its asking price of $599,900 is about 7% below the median sold price in Lucan Biddulph over the last 90 days, $643,875, across 29 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 195 Water St been sold before?
Summitly has no earlier MLS® sale or lease of 195 Water St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 195 Water St?
195 Water St is in Lucan Biddulph, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 195 Water St been on the market?
1 day — 195 Water St was listed on October 14, 2026.
What is the price per square foot of 195 Water St?
About $300 to $400 per square foot: the asking price of $599,900 over the 1,500–2,000 sq ft the listing gives as its size range.
Does 195 Water St have parking or a garage?
Yes — the listing gives 4 parking spaces.
Does 195 Water St have a basement, and is it finished?
The listing describes the basement as: Crawl Space.