Waterford Homes under $900,000

Welcome to Waterford, California – a charming gem nestled in the heart of Stanislaus County! Known for its friendly community and picturesque landscapes, Waterford offers a delightful blend of small-town charm and modern convenience. With its serene environment, beautiful parks, and close-knit neighborhoods, it’s no wonder that families and individuals alike are drawn to this inviting city.

Waterford boasts a rich agricultural heritage and is surrounded by stunning scenery, including the nearby Tuolumne River and the scenic Sierra Nevada foothills, making it an ideal spot for outdoor enthusiasts. Whether you enjoy hiking, fishing, or simply soaking in the beauty of nature, Waterford provides ample opportunities to explore.

For those considering a move to Waterford, you’ll be pleased to discover an array of beautiful homes available for under $900,000. This price range opens the door to a variety of options, from cozy single-family residences to charming ranch-style homes, perfect for families looking to settle down. Many of these properties feature spacious yards, modern amenities, and a welcoming atmosphere, making them perfect for creating lasting memories.

Living in Waterford means you can enjoy the tranquility of suburban life while still being just a short drive from larger cities like Modesto and Turlock, where you can find shopping, dining, and entertainment. With its affordable housing options and vibrant community spirit, Waterford is truly a wonderful place to call home. Come explore the possibilities and discover why so many are choosing to make Waterford their home sweet home!

Newest Waterford Homes under $900,000

$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 opportunitycome see why you'll want to call 669 Flora Way home!

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.

$523,990

5 Beds ⋅ 3 Baths ⋅ 2,311 SqFt. ⋅ 226117178 MLS

New Construction! December Move In! Welcome to Trestle, D.R. Horton's new community in Waterford! Introducing the Montara floor plan. Plenty of space for everyone in this amazing home design! This home features five bedrooms, three full baths and a total of approximately 2,311 square feet of living space. The front of the home has a private bedroom with a nearby full bath ideal for a quiet workspace or guests. This home contains a roomy living space with a gourmet kitchen and a large eat-in island and pantry for storage. Dining in the great room makes it easy to host and entertain guests. On the second level, you'll find a large loft for leisure and fun, three secondary bedrooms, a full bath with a tub and a laundry space for convenience. The primary bedroom and bath feature an oversize walk-in closet, a large double vanity, a walk-in shower, and a separate water closet. An ample two-car garage and under-the-staircase storage space finish out this fantastic home. No HOA - All homes come with 10-yr ltd warranty. Why pay more? Our upgrades and options in our model homes are standard in all floor plans! (Photos/renderings are of model home or artist conception as this home is under construction)

619 Moonlit Court, Waterford

Listing courtesy of D.R. Horton- Sacramento.

$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.

$795,000

4 Beds ⋅ 2 Baths ⋅ 1,456 SqFt. ⋅ 226112559 MLS

Beautifully remodeled country property situated on approximately 18.1 acres just north of Waterford. Nestled beneath magnificent mature oak trees, this move-in-ready 1,456 square foot manufactured home offers four bedrooms, two bathrooms, and has undergone an extensive 2026 renovation. Recent upgrades include a new roof, new septic leach field, new floor system, HVAC servicing, extensive interior remodeling, and numerous exterior improvements. Approximately 16 acres are planted to productive Tulare walnuts irrigated with reliable Modesto Irrigation District (MID) surface water delivered directly from the adjacent canal through a micro-sprinkler system. Whether you're looking for a peaceful country residence, room to spread out, or the opportunity to own an income-producing walnut ranch, this exceptional property offers the ideal combination of comfortable rural living and productive agricultural acreage. The 2026 walnut crop is excluded from the sale.

1507 Old Tim Bell Road, Waterford

Listing courtesy of Fiorini Real Estate Services.

$575,000

4 Beds ⋅ 3 Baths ⋅ 2,147 SqFt. ⋅ 226110467 MLS

Riverfront living at its best! Located in the desirable gated community of River Pointe, this beautifully updated 4-bedroom, 2.5-bath home offers a wonderful combination of comfort, style, and an unbeatable setting. The home has been thoughtfully updated throughout, including the kitchen and primary bathroom, while crown molding downstairs adds an elegant finishing touch. The spacious primary suite is a true retreat, featuring a private balcony with beautiful river viewsthe perfect place to enjoy your morning coffee or unwind at the end of the day. With the river walking path directly behind the home, outdoor enjoyment is literally steps from your back door. A walk-in pantry provides added convenience, while the 3-car garage with overhead shelving offers plenty of room for vehicles and storage. Enjoy all the amenities River Pointe has to offer, including a community pool, playground, and clubhouse. Come experience the lifestyle, location, and tranquility that make this riverfront home truly special!

13102 Rivercrest Drive, Waterford

Listing courtesy of HomeSmart PV & Associates.

$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.

$481,490

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.

$417,000

3 Beds ⋅ 2 Baths ⋅ 1,276 SqFt. ⋅ 226103463 MLS

Located in the heart of Waterford, this beautifully remodeled 3-bedroom, 2-bath home is completely turnkey and ready for its new owners! Enjoy the freedom of country living with room for livestock! Bring your goats, chickens, or even a donkey and make the most of this property's space and versatility.Disfruta de la libertad de vivir en el campo con espacio para tus animales! Trae tus cabras, gallinas o incluso un burro y aprovecha al mximo el espacio y la versatilidad que ofrece esta propiedad Propiedad tipo rancho .Remodeled in 2026, the home features a brand-new custom kitchen with granite countertops, updated finishes throughout, and a fresh, modern feel. Situated on an impressive 9,274 sq. ft. lot, the backyard offers tons of space for entertaining, kids, pets, or future possibilities. Additional upgrades include a newer HVAC system and water heater. Pride of ownership shows from the moment you walk inthis home is exceptionally clean and perfect for even the pickiest buyers. Huge lot, beautiful remodel, and a prime Waterford locationthis one checks all the boxes. Run, don't walk!

13361 Bentley Street, Waterford

Listing courtesy of GNN Real Estate.

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