Waterford Homes under $300,000

Welcome to Waterford, New York—a charming town nestled in the heart of Saratoga County that seamlessly blends historical allure with modern conveniences. Known for its picturesque landscapes and friendly community, Waterford offers a unique lifestyle that appeals to families, retirees, and everyone in between.

One of the town's standout features is its rich history, highlighted by the Erie Canal that runs through it. Here, residents can enjoy scenic walks along the canal, participate in annual festivals, and explore local shops and eateries that reflect the town's vibrant culture. The nearby parks and recreational areas provide ample opportunities for outdoor activities, making it an ideal setting for nature lovers.

For those seeking affordable housing options, Waterford is a hidden gem. With homes available under $300,000, potential buyers can find charming properties that fit various lifestyles. Whether you're looking for a cozy bungalow with character or a spacious family home, the real estate market in Waterford offers a diverse selection that won't break the bank.

The town's convenient location also means easy access to nearby cities like Saratoga Springs and Albany, making commuting a breeze while still enjoying the quiet charm of small-town living. With a strong sense of community, excellent schools, and an array of local amenities, Waterford is not just a place to live—it's a place to thrive. Discover the possibilities that await you in this delightful town, where your dream home might just be a stone’s throw away!

Newest Waterford Homes under $300,000

$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

$275,000

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

$245,000

4 Beds ⋅ 2 Baths ⋅ 202626848 MLS

Move right in and enjoy! This updated 4-bedroom, 2 full bath Waterford home offers a fresh, comfortable interior with many of the big-ticket improvements already complete. Inside, you'll find a bright and inviting layout with fresh paint, an updated kitchen with modern finishes, renovated bathrooms, and generous living space throughout. Recent improvements include a new roof (2024), new front siding (2025), and added insulation in the basement and attic for improved efficiency. Outside, enjoy a private yard and convenient off-street parking. Located in historic Waterford, where the Hudson and Mohawk Rivers meet at the gateway to the Erie Canal, you'll enjoy easy access to local parks, outdoor recreation and community amenities, while being centrally located to both Clifton Park and Latham with convenient access throughout the Capital Region. Updated, move-in ready, and ready to welcome its next owner!

17 Hudson Street, Waterford

$295,000

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

$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

$279,000

7 Beds ⋅ 2 Baths ⋅ 202624695 MLS

Spacious and versatile 2,888-square-foot property in Waterford offering an abundance of living space and flexibility! Built in 1880, this classic old-style home features 7 bedrooms, 2 kitchens, and 1,444 square feet on each of two levels. The existing layout provides the potential for a variety of living arrangements, including extended-family living, guest accommodations, or creating distinct living spaces to suit your needs. The property features separate utilities, a full basement, covered porches, upper-level covered porch space, aluminum/vinyl exterior, and natural gas hot water/steam heat. Situated on approximately 0.18 acres with 72 feet of frontage, the property is serviced by public water and sewer and is located within the Waterford School District. Conveniently located near local schools, parks, shopping, dining, and major roadways, this property offers exceptional space and versatility in an established Waterford neighborhood. With 2,888 square feet, 7 bedrooms, 2 kitchens, separate utilities, and a full basement, 164 Saratoga Ave presents an opportunity to create a living arrangement tailored to your vision. ** Formerly a 2 family, legally converted to a single family. Zoning verification form must be filed and variance approved by town to convert back to a 2 family.

164 Saratoga Avenue, Waterford

$269,000

3 Beds ⋅ 2 Baths ⋅ 202623500 MLS

Charming two family nestled in the Town of Waterford waiting for its next owner! A perfect starter home - let your tenants pay the mortgage! This property consists of a 1BED/1BATH unit as well as a two story 2BED/1BATH unit. Recent upgrades throughout include newer roof (2019), new windows in upstairs unit, furnace (2018), vinyl flooring (hardwood underneath!) & more! Fully fenced in yard. Schedule your showing today to add to or start your portfolio!

16 Vanderwerken Avenue, Waterford

$185,000

3 Beds ⋅ 2 Baths ⋅ 202621973 MLS

Step into a fantastic investment opportunity in the heart of historic Waterford! This well-maintained duplex blends timeless character with everyday functionality, making it an excellent addition to any investment portfolio or a great option for an owner-occupant looking to offset their mortgage with rental income. Originally built in 1800, this property features two separate up-and-down units with independent utilities, offering flexibility for both investors and homeowners alike. Off-street parking, a fenced yard, public water and sewer, and a convenient location close to local shops, restaurants, parks, and major commuter routes add to the property's appeal. Whether you're expanding your investment portfolio or looking for a versatile multi-family property with income potential, this Waterford duplex is one you won't want to miss!

34 2nd Street, Waterford

Start Your Search

©2019 Global Multiple Listing Service, Inc. The data relating to real estate on this website comes in part from the Internet Data Exchange program of the GMLS. All information is deemed reliable but not guaranteed and should be independently verified. All properties subject to prior sale, change, or withdrawal. Neither listing broker(s), GMLS shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing. Data last updated