195 Water Street, Lucan Biddulph, ON

$639,900
MLS#:X13532602
5 beds
2 baths
1500-2000 sqft
4.0 parking
Residential Freehold
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Added:Jul 7, 2026(53 days ago)
Updated:Jul 7, 2026(53 days ago)
Last Checked:21 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Lucan. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $639,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 5 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1500-2000 sqft on a premium 49.83 x 113.52 ft lot
  • Features a crawl space basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Water Heater Owned, Upgraded Insulation
  • equipped with central air central cooling and highly efficient forced air heating via gas

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!

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Property Summary

This detached home located at 195 Water Street, Lucan Biddulph is currently for sale and has been available on SousaSells for 53 days. This property is listed at $639,900 with an estimated mortgage of $2,130* per month. It has 5 beds, 2 bathrooms, and is 1500-2000 square feet. 195 Water Street, Lucan Biddulph is in the Lucan neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 5 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Lucan, Lucan Biddulph.

Highly Recommended for Families
What We Love About This Home
  • •5 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1500-2000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Lucan, Lucan Biddulph.

Target Buyer Match

Key Features

Bedrooms
5
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedJul 7, 2026 (53 days ago)
UpdatedJul 7, 2026 (53 days ago)
Last Checked21 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionVinyl Siding
BasementCrawl Space
Lot Size49.83 × 113.52 Feet
CountyMiddlesex
Annual Tax$2,636
Legal DescriptionLT 47, PL 187 ; LUCAN BIDDULPH TWP.

Parking & Garage

Parking Total4.0
Parking Space4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Park
  • School

Interior Features

  • Water Heater Owned
  • Upgraded Insulation

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 195 Water Street, Lucan Biddulph, ON

Q.What is the asking price for 195 Water Street, Lucan Biddulph, ON ?

The current listing price for 195 Water Street, Lucan Biddulph, ON in Lucan, Lucan Biddulph is $639,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 5 bedrooms and 2 bathrooms across approximately 1500-2000 sqft.

Q.What property type and architectural style is 195 Water Street, Lucan Biddulph, ON ?

195 Water Street, Lucan Biddulph, ON is a Detached (2-Storey) featuring a Crawl Space basement.

Q.What key property features does 195 Water Street, Lucan Biddulph, ON offer?

Key property features include: Park, School.

Q.What interior features are included in this home?

Interior highlights include: Water Heater Owned, Upgraded Insulation.

Q.What security features are installed at 195 Water Street, Lucan Biddulph, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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195 Water Street, Lucan Biddulph, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Lucan, Lucan Biddulph

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–¼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 195 Water Street, Lucan Biddulph, ON N0M 2J0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Lucan Biddulph.

Configure Loan Settings

Interest Rate4.00%
Down Payment$191,970 (30.0%)
* Minimum Canadian down payment required for this price is $38,990.
Amortization Period30 Years
Estimated Monthly Payment$2,130Based on a loan of $447,930 over 30 years.
Purchase Price$639,900
Loan Amount$447,930
Provincial Land Transfer Tax:$9,273
Total Estimated Closing Taxes:$9,273

About Purchasing a Home in Lucan Biddulph, ON

For a property listed at $639,900 in Lucan Biddulph, the legal minimum down payment is $38,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $9,273 for this transaction. As this listing is in Lucan Biddulph (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $9,273.

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Lucan, Lucan Biddulph Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Lucan, Lucan Biddulph.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$708,785

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Lucan, Lucan Biddulph

Elementary Schools

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Secondary Schools

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Lucan, Lucan Biddulph Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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