Waterford Homes under $500,000

Welcome to Waterford, California—a hidden gem nestled in the heart of Stanislaus County. Known for its small-town charm and welcoming community, Waterford offers a delightful blend of serene living and easy access to urban conveniences. With its picturesque landscapes and friendly atmosphere, it’s no wonder that families and individuals alike are drawn to this vibrant city.

Waterford boasts a rich agricultural heritage, surrounded by lush farmland and stunning views of the Sierra Nevada foothills. The city is also home to a variety of parks, recreational facilities, and local events that foster a strong sense of community among residents. Whether you’re enjoying a leisurely stroll along the Tuolumne River or participating in one of the city’s annual festivals, there’s always something to keep you engaged.

For those seeking affordable housing options, Waterford is an excellent choice. With homes available for under $500,000, prospective buyers can find a range of charming properties that suit their needs. From cozy single-family homes to inviting townhouses, there’s something for everyone in this budget-friendly market. The affordable real estate options make Waterford an ideal location for first-time homebuyers, families looking to settle down, or anyone seeking a peaceful retreat without breaking the bank.

Embrace the opportunity to call Waterford home, where you can enjoy a high quality of life in a picturesque setting. Explore the wonderful homes available in this thriving community, and discover why so many are choosing to make Waterford their forever home. Your dream home awaits!

Newest Waterford Homes under $500,000

$399,999

3 Beds ⋅ 2 Baths ⋅ 1,144 SqFt. ⋅ 226129228 MLS

Your next chapter awaits! Check out this beautifully updated home on a spacious corner lot in Waterford, CA! Peace of mind comes with a new roof and new garage door. Step inside to find a freshly painted interior, new carpeted bedrooms, LVP throughout living spaces, and an newly updated kitchen. With this expansive lot size this provides endless possibilities for entertaining, an ADU, or RV Parking. Located in a quiet neighborhood just minutes away from schools and parks with a quick commute to Modesto. This won't last long!

12159 Pecan Ave, Waterford

Listing courtesy of PMZ Real Estate.

$379,900

3 Beds ⋅ 1 Baths ⋅ 960 SqFt. ⋅ 226127956 MLS

Charming Move-In Ready Starter Home! Perfect for first-time buyers, this beautifully updated 3-bedroom, 1-bath gem offers comfort, style, and convenience. Step inside to discover fresh interior and exterior paint, gleaming laminate flooring,and plush new carpeting. The bright kitchen shines with elegant granite countertops. Enjoy year-round comfort with central heat and air. Situated on a generous 6,000 sq. ft. lot, the property features a fully fenced backyard ideal for relaxing or entertaining, plus a large 1.5-car garage and plenty of side exterior space for your boat or RV. Located in Waterford, this home also qualifies for a USDA rural development loan. Don't miss out on this fantastic opportunity. Schedule a tour today!

12118 Hernandez Avenue, Waterford

Listing courtesy of Endurance Real Estate.

$409,900

3 Beds ⋅ 2 Baths ⋅ 1,200 SqFt. ⋅ 226125278 MLS

Wonderful opportunity to own this adorable 3/2 home w/a big back yard on a quiet street in Waterford. Walking distance to the Jr. High School and Middle School down a winding shady tree lined path to the schools. Also located right across from the Basin Park where there is a big grassy, safe area to play where you can see your children from your front porch! The new quartz counters in the kitchen, tile flooring and new microwave add new updating to the kitchen, newer gray carpet, and bathrooms recently updated. Bring your RV, there's RV hook-ups with a 220 volts plug-in and Boat parking. The backyard is very roomy with a large cement patio, a nice storage shed that stays and a raised garden area, plus plenty of room for that pool if one chooses. The cozy gas fireplace will help warm the home with the winter coming. This home resides in a town with special financing programs to help Buyers own their own home!Seller has also offered $10,000. with a full price of $409,900. offer to buy down their interest rate. What a great reason to choose this updated home!

12218 Goldmine Avenue, Waterford

Listing courtesy of HomeSmart PV & Associates.

$435,000

4 Beds ⋅ 2 Baths ⋅ 1,372 SqFt. ⋅ 226119055 MLS

Welcome to 608 Bronze Ln! Extensively rebuilt while retaining its original foundation and framing, this 4-bedroom, 2-bath home offers an open-concept layout and major system upgrades throughout. Improvements include new electrical wiring, a new 200-amp electrical panel, a new roof, a new HVAС system, and updated plumbing. Move in with added peace of mind knowing these major systems have been updated! Enjoy the charm of small-town living in Waterford, a community known as the gateway to recreation. Don't miss the opportunity to make this beautifully rebuilt home your own!

608 Bronze Lane, Waterford

Listing courtesy of PMZ Real Estate.

$409,000

3 Beds ⋅ 2 Baths ⋅ 1,056 SqFt. ⋅ 226123033 MLS

Welcome to 669 Flora Way! This beautifully maintained, move-in-ready home sits on a desirable corner lot in an established Waterford neighborhood. Featuring 3 bedrooms, 2 full bathrooms, indoor laundry, and a 2-car garage, this home offers a bright and inviting open floor plan with abundant natural light. The stylish kitchen features granite countertops, ample cabinetry, and stainless-steel appliances, flowing seamlessly into the living area. The primary suite offers a private bathroom and walk-in closet. Step outside to the large backyard, offering plenty of space for entertaining, relaxing, gardening, or creating your dream outdoor retreat. The corner lot also provides excellent potential for RV or boat parking. Conveniently located near schools, shopping, dining, and Highway 132. Perfect for first-time buyers, families, or investors. Move-in ready and full of opportunity come see why you'll want to call 669 Flora Way home! Seller is offering $10,000 toward an interest rate buydown with a full-price offer of $409,000. Take advantage of this opportunity to potentially lower your monthly mortgage payment!

669 Flora Way, Waterford

Listing courtesy of PMZ Real Estate.

$469,995

3 Beds ⋅ 2 Baths ⋅ 1,430 SqFt. ⋅ 226120412 MLS

Come and View this home that is in move in condition. Boasting many upgrades and located close to shopping and schools which are all within walking distance. This home will not disappoint even the pickiest buyer. Upgrades include newly landscaped front and back yard with artificial turf for low maintenance. Pool recently retiled and refinished making it look almost new with new LCD lighting for the perfect night swim along with a new sand filter. Roof and back yard gutters along with a newer AC unit all replaced within the last 8 years. The interior was recently painted and a new custom 50" electric fireplace insert with mantle was fully renovated giving a nice ambiance to the living room dining room combination. Recessed lighting also added with this renovation. Kitchen has a new microwave with dishwasher. The kitchen allows space for a breakfast nook with a large window that overlooks the front yard and street. Master bedroom has a glass sliding door that opens to your beautiful back yard, just steps from the pool. Master bath has a renovated walk-in shower with sitting area along with dual sinks accommodating her needs and his. Off the master bathroom is a spacious walk-in closet. Hall bath renovated within the last 3 years and a new storage shed just months old.

12123 Fearl Drive, Waterford

Listing courtesy of Atlantic Realty.

$389,000

2 Beds ⋅ 1 Baths ⋅ 1,172 SqFt. ⋅ 226118077 MLS

Welcome to 12609 La Gallina Avenue, a beautifully renovated Waterford home offering modern updates and comfortable living. This home has been thoughtfully refreshed throughout and is truly move-in ready. The recently renovated kitchen provides a fresh, modern space for everyday living and entertaining, while the updated bathroom adds style and functionality. New flooring and fresh interior paint create a clean, inviting feel throughout the home. Major improvements include a new roof, new central heat and air system, and new stucco, offering peace of mind and attractive curb appeal. Step outside and discover a large backyard with alley access, providing valuable flexibility for parking, storage, outdoor entertaining, gardening, or future possibilities. The generous outdoor space is a rare and desirable feature that adds to the overall appeal of this property. With extensive recent renovations and a spacious backyard, this home offers the opportunity to enjoy a turnkey property without the hassle and expense of major remodeling. A wonderful opportunity for a first-time buyer, down-sizer, or investor looking for a beautifully updated Waterford home.

12609 La Gallina Avenue, Waterford

Listing courtesy of Sierra Oaks Realty.

$440,000

3 Beds ⋅ 2 Baths ⋅ 1,430 SqFt. ⋅ 226112420 MLS

Welcome to 13132 Heather Drive! This well-maintained 3-bedroom, 2-bath home offers 1,430 sq. ft. of comfortable, move-in-ready living in an established Waterford neighborhood. Thoughtful updates include a newer roof and windows, plantation shutters, fresh interior and exterior paint, granite countertops throughout, and beautifully updated bathrooms featuring quartz shower surrounds. The functional floor plan offers inviting living spaces, while the backyard provides plenty of room to relax, entertain, or make it your own. With many of the big-ticket updates already completed, this home is ready for its next chapter. Come take a look and see why Heather Drive just might be the one!

13132 Heather Drive, Waterford

Listing courtesy of PMZ Real Estate.

$499,750

3 Beds ⋅ 2 Baths ⋅ 2,174 SqFt. ⋅ 226094145 MLS

LOOK -> Seller will credit the Buyer up to $10,000 for INTEREST RATE BUY DOWN ! Welcome to 207 Marina Ln, a beautifully updated 3-bedroom, 2-bath single-story home with approximately 2,174 square feet of living space in the gated Riverpointe community of Waterford, patrolled by private security. Inside, you'll find a spacious and functional floor plan with fresh interior paint, making the home feel clean and move-in ready. The kitchen has been updated with new quartz countertops and stainless steel appliances, while both bathrooms feature new vanities and sinks. The large master suite is one of the home's standout features and includes its own private exterior entrance. This added flexibility is great for a private retreat, home office, multigenerational living, or even an investment opportunity. Additional updates include an updated AC system and energy-efficient features for year-round comfort. The 2-car garage features a new garage door and durable epoxy flooring, giving you a great space for vehicles, storage, hobbies, or a workshop. As a resident of Riverpointe, you'll enjoy access to the community clubhouse, swimming pool, and park with playground. The HOA also maintains the community parks and walking trail, which are exclusively available to Riverpointe residents. Best of all, the HOA fees remain low, offering plenty of value without the hassle of maintaining these amenities yourself. Beyond the community, enjoy easy access to the Tuolumne River and outdoor activities such as fishing and kayaking. Turlock Lake, Modesto Reservoir, and Yosemite National Park are also within reach, while Highway 99 makes commuting convenient. If you're looking for a spacious single-story home with extensive updates, a private-entry master suite, gated-community amenities, low HOA fees, and access to recreation, 207 Marina Ln is worth a look. Come see what this home and Riverpointe have to offer.

207 Marina Lane, Waterford

Listing courtesy of PMZ Real Estate.

$495,000

4 Beds ⋅ 3 Baths ⋅ 1,903 SqFt. ⋅ 226108353 MLS

Experience the allure of 201 WATERS EDGE Dr, Waterford, CA, a residential property in great condition that promises an attractive living experience in the Prestige Gated Community, Riverpointe. This home offers a harmonious blend of comfort and style, meticulously maintained and ready for its next chapter. The kitchen is a culinary enthusiast's dream, featuring sleek stainless steel appliances that elevate both form and function. A convenient peninsula provides ample counter space, perfect for meal preparation or casual dining, fostering a sense of connection and ease. The bathroom offers the luxury of a double vanity, providing abundant space and convenience for daily routines. Step outside to discover a private yard, an ideal setting for relaxation or entertaining. Enjoy evenings around the inviting fire pit, or host memorable gatherings in the dedicated outdoor dining area. The patio and porch extend the living space outdoors, offering charming spots for morning coffee or evening unwinding. The presence of PAID solar panels contributes to efficient living, while a dedicated laundry room adds to the home's practical amenities. This property is an invitation to embrace a lifestyle of comfort and convenience.

201 WATERS EDGE Drive, Waterford

Listing courtesy of Homelink Real Estate.

$476,490

4 Beds ⋅ 3 Baths ⋅ 1,858 SqFt. ⋅ 226108389 MLS

Same community, new plan! Be the first to purchase this new floor plan now available in Waterford at D.R. Horton's community Trestle! Introducing the Palisade floor plan, discover a unique home design that offers ample space for everyone and the utmost comfort. This two-story home has 4 bedrooms, 2.5 baths, and 1,858 approximate square feet of living space. Uncover a great first-floor living area with an open-concept great room and dining space that flows seamlessly into the kitchen. Enjoy a large center island, a perfect place for hosting and gathering year-round, and a pantry for storage. A powder room is located near the home entrance for guests. Take the stairs up and you'll find a spacious loft and three secondary bedrooms. There is a full secondary bath with a double vanity and bathtub. Down the hall, you will find a laundry room for added convenience. The primary bedroom has a large primary bath with a walk-in closet, double vanity, walk-in shower, and private water closet. This home also has an attached two-car garage. No HOA! Why pay more? Our options and upgrades in our model homes are standard in all homesites! Purchase with confidence as all homes come with 10 year ltd. warranty.

621 Moonlit Court, Waterford

Listing courtesy of D.R. Horton- Sacramento.

$449,490

4 Beds ⋅ 3 Baths ⋅ 1,598 SqFt. ⋅ 226108369 MLS

Brand new floor plan being built at Trestle, D.R. Horton's highly desired Waterford community! Introducing the Muir floor plan, this efficiently designed two-story home features four bedrooms, two baths and a convenient first-level powder room with approximately 1,598 square feet of living space. Entertaining is easy with an open-concept great room joined to a spacious eat-in kitchen with plenty of counter space, along with two useful pantries for storage. Upstairs opens to the four bedrooms for relaxing. The primary bedroom features a walk-in closet, a primary bath with double vanity, a walk-in shower, and a separate water closet. The attached two-car garage offers extra storage space for recreational gear or vehicles. No HOA! Why pay more? Our options and upgrades in our model homes are standard in all homesites! Purchase with confidence as all homes come with 10 year ltd. warranty.

617 Moonlit Court, Waterford

Listing courtesy of D.R. Horton- Sacramento.

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