40 Water St is a 3-bedroom, 2-bathroom detached home in Woolwich, listed for $795,000. It has 1100-1500 sq ft of living space.
1Jacobs Sparkles holiday shopping event transforms its historic streets into a winter wonderland of twinkling lights, live carollers, and horse-drawn wagon rides.
2Rich in history and character, St.
3This Cape Cod-style home sits on a fully fenced 66 by 132 foot private lot with Perennial gardens beautifully framing the property.
St. Jacobs is famous for its bustling Farmers' Market, but when the holidays arrive, the Village takes on a magic of its own. The beloved St. Jacobs Sparkles holiday shopping event transforms its historic streets into a winter wonderland of twinkling lights, live carollers, and horse-drawn wagon rides. Year-round, the Village is a destination for its charming boutiques, restaurants, and local favourites like Stone Crock, Block Three Brewing, The Weathered Gate, and La Crème. Rich in history and character, St. Jacobs is also the birthplace of Home Hardware.Now imagine having all that small-town charm, culture, and excitement at your fingertips, while enjoying the peace and beauty of scenic walking trails along the Conestogo River, just steps from your front door. This Cape Cod-style home sits on a fully fenced 66 by 132 foot private lot with Perennial gardens beautifully framing the property. The main floor has a beautiful layout with a spacious living room, a dining room, an eat-in kitchen, a powder room and a main floor bedroom. Garden doors in the kitchen open straight onto the backyard, but the best features are the granite countertops and the coffee bar Upstairs there are two more bedrooms and a trendy fully renovated bathroom with a deep tub.In the basement, the large rec room has a gorgeous fireplace, along with a three-piece bathroom and a laundry room. Enjoy upgrades like a huge shed, gutter guards, a steel roof installed by High-Grade Roofing, upgraded attic insulation and updated vinyl windows throughout.Enjoy the charm of village living, with shops, restaurants, a library and a community center just steps away. Stroll along the River and get to know some of the friendliest neighbours you'll ever meet in one of the most coveted areas of Ontario.
3 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $723 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 40 Water St
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
1100-1500 sq ftas stated on the listing
Parking
5 spacesYes garage
Basement
Full, Finished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
5
Interior
Basement
Full · Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Detached
40 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® X14114122$795,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 40 Water St Compares to the Woolwich Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
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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
$3,906
/mo
based on the purchase price of $795,000
$159,000 cash
$636,000 financed
$535,679 total interest
Principal54%$636,000
Interest46%$535,679
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 Woolwich
Other 3–4 bed homes for sale in Woolwich around $795K.
Average days on market27Homes sold in about 27 days on average.
Sale-to-list ratio98.6%On average, homes sold below asking.
Active listings81Homes for sale here right now.
Median vs prior 90 days+6.9%Compared with Apr 28 – Jul 27, 2026: prices up.
Based on 80 sales from Jul 27 – Oct 25, 2026 (56 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
40 Water St is listed at $795,000 (MLS® X14114122). Summitly updates the price as soon as the MLS® record changes.
Is $795,000 a good price for 40 Water St?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Woolwich. 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 40 Water St changed?
No — 40 Water St is still listed at its original asking price of $795,000.
How many bedrooms and bathrooms does 40 Water St have?
40 Water St has 3 bedrooms and 2 bathrooms, with about 1,100–1,500 square feet of living space. It is a detached home in Woolwich.
Is 40 Water St close to transit?
The nearest rapid-transit station is Northfield Station (ION), about 4.5 km in a straight line. Conestoga Station is about 4.7 km. Distances are straight-line, not walking routes; check the transit agency for routes and schedules.
How much would the monthly mortgage be on 40 Water St?
About $3,906 a month — principal and interest on $795,000 with 20% down ($159,000), 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 40 Water St compare with other homes in Woolwich?
Its asking price of $795,000 is about 8% below the median sold price in Woolwich over the last 90 days, $868,750, across 80 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 40 Water St been sold before?
Summitly has no earlier MLS® sale or lease of 40 Water St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 40 Water St?
40 Water St is in Woolwich, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 40 Water St been on the market?
1 day — 40 Water St was listed on October 24, 2026.
What is the price per square foot of 40 Water St?
About $530 to $723 per square foot: the asking price of $795,000 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 40 Water St have parking or a garage?
Yes — the listing gives 5 parking spaces. Garage: Yes.
