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195 Water Street

Lucan Biddulph, N0M 2J0·MLS® X13532602·

Listing courtesy of Re/max A-b Realty LTD·Updated Jul 7

For sale
1 / 49
5Beds
2Baths
1,500-2,000Sqft
100+Year Built

Listing price

$639,900

Est. $3,048/mo

Days on market

18

Listed Jul 7, 2026

Description

Completely rebuilt only a few years ago, this impressive home on Water Street in Lucan blends the character of a century home with the comfort and efficiency of modern construction. Extensive updates include electrical, plumbing, HVAC, insulation, structural reinforcement, and quality finishes throughout, making this home truly move-in ready. Centrally located, you're just a short walk to 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, abundant cabinetry, and a large pantry. Two bedrooms, a renovated 3-piece bathroom, and main-floor laundry offer added convenience. Upstairs you'll find three additional bedrooms and an updated 4-piece bathroom. Character and craftsmanship shine through with coffered wainscoting, tray ceilings, shiplap accents, and the restored original oversized pocket door from the 1880s. Outside, enjoy a fully fenced backyard with a covered deck and two storage sheds, including one that is insulated with hydro and heat, perfect for a workshop or hobby space. A rare opportunity to own a beautifully restored home offering modern updates, historic charm, and a flexible layout 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!

Property details

Basement

Crawl Space

Parking

4 spaces

Type

Detached — 2-Storey

Heating

Forced Air

AI property estimate

$706,912Above Market
$637,679$943,521

65% confidence · 8 sold homes within 2 km, by price per sq ft

Location & neighbourhood

Lucan

Lucan Biddulph, ON

Monthly payment estimate

Mortgage (5.24%, 25yr)$3,048
Property tax$693
Insurance (est.)$133
Utilities (est.)$250
Total monthly$4,124

Land transfer tax

Ontario LTT

$9,273

First-time rebate

$4,000

First-time buyer rebate of up to $4,000 may apply. Consult a lawyer for eligibility.

Price & listing history

Jul 7, 2026Listed
$639,900

Sold comparables nearby

126 Radcliffe Crescent, Lucan BiddulphSold

$690,000

126 Radcliffe Crescent, Lucan Biddulph

4 bd·4 ba·1,500-2,000 sqft
108 Stuart Avenue, Lucan BiddulphSold

$970,000

108 Stuart Avenue, Lucan Biddulph

4 bd·4 ba·2,500-3,000 sqft

See all 10 comparables

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Market conditions · Lucan

Buyer's marketBalancedSeller's market

Avg. sold price

$884,167

Sale-to-list ratio

102.7%

Based on 6 recent comparable sales near this home.

Investment analysis

Est. monthly rent

$2,560

Rental yield

4.8%

Est. cash flow

-$1,564

Cap rate

3.3%

Best time to sell

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Peak
Good
Average

Affordability

Minimum household income required

$154,646

Based on 20% down, 5.24% stress test rate, 25yr amortization, 32% GDS ratio.

Not sure about financing? Ask Colin

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AI estimate

$706,912

Above Market
CA

Your advisor

Oak and Key Real Estate Brokerage Inc.

Colin Abbott

Real Estate Agent

519-859-4579 · colinabbot@gmail.com

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