Waterford Homes under $400,000

Welcome to Waterford, Wisconsin, a charming village nestled in the heart of Racine County. With its picturesque landscapes, friendly community, and a rich history, Waterford is the perfect place to call home. Known for its serene lakes and lush parks, this delightful town offers a blend of natural beauty and small-town charm that beckons families, retirees, and professionals alike.

Waterford boasts a variety of recreational opportunities. Spend your weekends exploring the scenic trails or enjoy a relaxing day on the waters of the Fox River. The village is also home to several community events throughout the year, fostering a strong sense of camaraderie among residents. With top-rated schools, vibrant local businesses, and a welcoming atmosphere, it’s no wonder why so many are choosing to settle down in Waterford.

For those seeking affordable housing options, Waterford has an array of homes priced under $400,000. Whether you’re looking for a cozy starter home, a charming bungalow, or a spacious family residence, you’ll find a diverse selection to suit your needs. Many of these homes feature modern amenities, beautiful yards, and easy access to local parks and shops.

Investing in a home in Waterford means more than just finding a place to live; it’s about embracing a lifestyle rich in community spirit and outdoor adventure. With its affordable real estate options and a welcoming environment, Waterford invites you to discover the joy of living in this beautiful Wisconsin village. Come explore the possibilities and make Waterford your new home!

Newest Waterford Homes under $400,000

$349,000

2 Beds ⋅ 2 Baths

Beautifully maintained and thoughtfully designed, this elegant open-concept ranch condo offers an exceptional setting overlooking the 6th hole fairway and 7th tee at Rivermoor Golf Club. This bright & airy home has been lovingly cared for since construction & features soaring cathedral ceilings, a spacious great room & an inviting kitchen with ample cabinetry & adjoining dining area. Step through to the enclosed porch & deck to enjoy peaceful views of the beautifully landscaped backyard & golf course surroundings. The spacious primary suite offers a WIC & private full bath, while the welcoming foyer creates a gracious entry. A full basement provides excellent potential for additional living space, recreation, or storage. Numerous updates include furnace(2025), water softener & more.

858 Augusta - Unit C, Waterford

Listing courtesy of Shorewest Realtors, Inc..

$289,900

2 Beds ⋅ 1 Baths

Fox River Frontage with Access to Tichigan Lake! Enjoy 4 seasons of waterfront living in this 2-bedroom, 1-bath cottage featuring a 1-car detached garage and a boathouse for storing all your water toys. Recent updates include newer windows an updated bathroom and electrical panel. The spacious eat-in kitchen offers a cozy fireplace. Spend your summers boating, swimming, fishing, kayaking, and jet skiing, then enjoy winter adventures like ice fishing and snowmobiling. Create lasting family memories while enjoying everything waterfront living has to offer. Bring your renovation ideas and transform this property into your dream getaway. With its desirable waterfront location, this property could also be an excellent opportunity for a vacation rental or Airbnb investment!

8012 Fox River Rd, Waterford

Listing courtesy of Century 21 Benefit Realty-LC.

$299,900

4 Beds ⋅ 2 Baths

Step back in time with this enchanting 1902 Colonial 1.5-story home in a great Village of Waterford neighborhood. Blending historic character with vital modern updates, this 4-bedroom property features an expansive living space designed for comfort and entertaining. The heart of the home is a large eat-in kitchen complete with a cozy gas fireplace. Beyond the kitchen, a bright, large living room offers plenty of space for family and friends. With 4 comfortable bedrooms, there is ample room for guest quarters or a dedicated home office. There is a 2-car detached garage with updated roof and doors. Full basement features a toilet, shower, and tall ceilings, for easy finishing. Enjoy a tight-knit community feel just minutes from local schools, parks, and dining.

400 S 3rd St, Waterford

Listing courtesy of Bear Realty Of Burlington.

$375,000

3 Beds ⋅ 2 Baths

**Unique residential and commercial zoning opportunity in the heart of Waterford!** This charming, character-filled home offers the flexibility to live and work in one convenient location. Original details include beautiful hardwood floors, a brick-flanked natural fireplace, glass doorknobs, built-in cabinetry, and arched doorways. Sun-filled rooms, multiple walk-in closets, and abundant storage provide plenty of space throughout. Enjoy the fenced-in patio and front-row views of Waterford's parades, with restaurants, shopping, and Village activities just a short walk away. The heated garage features heated floors and a half bath with a urinal, offering excellent potential for a business, hobby space, or additional workspace.

510 E Main St, Waterford

Listing courtesy of BHGRE Star Homes.

$387,000

4 Beds ⋅ 2 Baths

Welcome home to this charming 4 bed, 2 bath Cape Cod in Waterford! Situated on nearly a half-acre, this home offers a versatile layout with 3 bedrooms and 2 full bathrooms on the main level plus an additional bedroom or living space upstairs. Recent improvements make this home even more appealing including a complete roof replacement and a newly added oversized concrete patio connecting the home to the impressive 3.5+ car garage; perfect for entertaining, grilling, and relaxing. The two driveways offer plenty of parking and easy access. With great outdoor space, an oversized garage, and plenty of recent improvements, this home is ready its next owner! Appraised for $388k in July 2025. Additional updates include the furnace, gutters & downspouts, drain tile, sump pump, and chimney liner.

28248 N Lake Dr, Waterford

Listing courtesy of Shorewest Realtors, Inc..

$249,900

2 Beds ⋅ 1 Baths

Experience nature & serenity in this sunlit retreat in the Golden Bay Community on Tichigan Lake. It is a place that feels like a permanent vacation, where easy condo living relieves the stress of yardwork and snow removal. This multi-level unit is in turnkey condition with a refreshed kitchen and bathrooms. The spacious living room includes a balcony overlooking the open courtyard. Enjoy enhanced privacy with split-level bedrooms. Residents enjoy many amenities, as the true heart of this home lies just beyond your doorstep. Spend free time fishing in a pond, launching a kayak, walking a trail next to the lake, or gathering with friends on the patio in the sunset. This perfect combination of modern comfort and cozy charm could be your next home. Some photos are digitally altered (staged).

28641 N Lake Dr Unit 3C, Waterford

Listing courtesy of First Weber Inc- Greenfield.

$399,900

3 Beds ⋅ 1 Baths

Something for everyone! Love to entertain? The supersized, party/rec room above the garage is ready for fun, with wiring in place for surround sound & multiple TV locations, plus a bar, pool table, refrigerator space and more. Split system wiring is already in place to add heating and cooling for year-round enjoyment. Have hobbies? The generously sized garage provides plenty of room for parking, storage and projects. Prefer to relax? Curl up with a good book by the fire in the cozy living room. And then there's the water! This property offers water access directly across the street to store and dock your boat. Enjoy approximately 1,100 acres of waterways on the Fox River and Tichigan Lake. Canoeing, kayaking, boating, sandbar days and endless summer fun can all be YOURS!

8413 Fox River Rd, Waterford

Listing courtesy of Legacy Realty Group LLC.

$330,000

2 Beds ⋅ 2 Baths

Welcome home to this bright and airy first-floor condo offering comfort, convenience, and plenty of space to enjoy! The open-concept layout features a welcoming kitchen with stainless steel appliances and a breakfast bar, flowing seamlessly into the main living area. Cozy up by the gas fireplace on chilly Wisconsin evenings or step outside and relax on your private deck. With two full bathrooms, comfortable living spaces, and a finished lower-level rec room offering additional space to entertain, work, or unwind, this condo has so much to offer. Conveniently located near the Fox River, parks, golf courses, shopping, dining, and more. Move right in and make it your own!

609 Park Dr, Waterford

Listing courtesy of Venture Real Estate Group LLC.

$299,900

2 Beds ⋅ 2 Baths

Welcome home to this beautifully maintained Waterford condo featuring a spacious, functional layout and recent updates throughout! Step inside to newer carpeting, soaring vaulted ceilings and an impressive loft overlooking the main living area--perfect for a home office, sitting area or flex space. The main-floor primary bedroom offers dual closets and a large bathroom for added convenience. Downstairs, the partially finished basement provides additional space for entertaining, hobbies or relaxing, while still offering plenty of storage. A private, insulated and heated 2.5-car garage with room for vehicles, toys and more. Well cared for and move-in ready, this condo offers comfortable, low-maintenance living in a desirable Waterford location!

314 S Jefferson St Unit C, Waterford

Listing courtesy of 1st Choice Properties Realty LLC.

$269,900

2 Beds ⋅ 1 Baths

Enjoy a truly unique lifestyle at Foxwood Isle! This 2-bedroom, 1.5-bath condo is located on an island along the Fox River, offering a peaceful setting with walking trails, expansive green space, riverside fire pit, private fishing areas and your own boat slip. The unit also includes a large garage for vehicles, storage and toys. The HOA fee provides exceptional value, covering lawn care, snow removal, trash, water, sewer, cable TV with movie channels and high-speed internet. Within walking distance of Waterford's riverfront and downtown, this is an ideal year-round home or an affordable second-home getaway for boating, fishing and relaxing weekends on the river. Come see this incredible place you'll want to call home. Garage 77 Boat slip 28

300 Foxwood Dr Unit 158, Waterford

Listing courtesy of Lake Country Flat Fee.

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Source of listing data: Metro MLS. Copyright 2026 Multiple Listing Service, Inc. - All Rights Reserved. Information is supplied by seller and other third parties and has not been verified. 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 consumers may be interested in purchasing.

Waterford Homes under $400,000

Newest Waterford Homes under $400,000

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