What to Consider When Buying a Century Home in Windsor-Essex County

There’s something special about walking into a century home in Windsor-Essex County. From tall ceilings and stained-glass windows to hand-crafted trim and charming porches, these homes tell stories that newer builds simply can’t. But buying one of these character-filled properties comes with its own set of challenges, and understanding them before you buy can make all the difference.

Whether you’re dreaming of a stately brick Victorian in Amherstburg, a farmhouse in Kingsville, or an early-1900s craftsman in Walkerville, here’s what you should know before making your move.

1. Understand What “Century Home” Really Means

A century home is typically defined as a property that’s at least 100 years old, though many in Windsor-Essex date back even further. You’ll often find features like wide baseboards, solid wood doors, original fireplaces, and intricate moulding that showcase craftsmanship rarely seen today.

However, these architectural treasures can also mean:

Outdated systems (electrical, plumbing, HVAC)
Energy inefficiencies like poor insulation or drafty windows
Layout quirks such as smaller kitchens or multiple enclosed rooms

Before falling in love with the charm, it’s important to evaluate the practicality, and budget for bringing the home up to modern standards.

2. Check for Heritage Designation

Some older properties in Windsor, Amherstburg, and Kingsville may be heritage-designated or listed on the municipal heritage registry. A heritage designation protects the historical and architectural significance of a property but may limit what you can change, especially on the exterior.

If you plan to renovate or expand, find out:

Whether the property is designated under the Ontario Heritage Act
Which parts of the home are protected (windows, façade, roofing, etc.)
If any previous renovations were approved with proper permits

A real estate professional familiar with heritage properties, like those at The Dan Gemus Real Estate Team Ltd., Brokerage, can help guide you through this process and ensure you understand what’s allowed before you buy.

3. Conduct a Specialized Home Inspection

A typical home inspection might not go deep enough for a century home. You’ll want an inspector experienced with older construction methods to assess areas that are often problematic.

Key inspection points include:

Foundation: Many older homes have stone or brick foundations that can shift or allow moisture.
Electrical wiring: Knob-and-tube or aluminum wiring may need replacing for safety and insurance approval.
Plumbing: Galvanized or lead pipes are common in older homes and should be updated.
Roofing and windows: Look for signs of age, rot, or drafts.
Insulation: Many homes built pre-1950 were not insulated to modern standards.

Having this insight helps you anticipate costs and negotiate with confidence.

4. Budget for Ongoing Maintenance and Upgrades

Century homes are often a labour of love. They offer beauty and history, but they can also require a steady maintenance plan.

Set aside funds for:

System upgrades (furnace, electrical, plumbing)
Roof or window replacements
Insulation improvements
Exterior maintenance, such as repainting or masonry work

It’s wise to budget 1–2% of your home’s value annually for maintenance, with a bit extra reserved for unexpected discoveries. If the home is designated heritage, costs for approved materials (like wood-frame windows) may be higher.

5. Consider Insurance and Financing Early

Some insurers hesitate to cover older homes until wiring and plumbing have been modernized. It’s smart to obtain a quote before you waive conditions so there are no surprises later.

Similarly, some lenders may require proof of completed upgrades to approve financing. Working with a knowledgeable real estate team ensures you’re proactive about these details before closing.

6. Think About Energy Efficiency

Century homes can be drafty, especially in winter. While this adds to their charm, it can also mean higher utility costs. Energy upgrades are among the best investments for comfort and long-term savings.

Consider:

Adding insulation to the attic and walls (if possible)
Upgrading to energy-efficient windows and doors
Installing a modern HVAC system
Sealing air leaks and insulating basement crawl spaces

These upgrades can significantly improve efficiency while maintaining the home’s historic charm.

7. Location Still Matters

Windsor-Essex is full of beautiful older neighbourhoods where century homes shine: Walkerville, Amherstburg, Kingsville, Essex, and Leamington all feature streets lined with mature trees and unique architecture.

When choosing your location, look at:

The stability of the neighbourhood and proximity to amenities
Local infrastructure and flood-risk assessments (especially near the Detroit River or Lake St. Clair)
Zoning or infill developments that could change the area’s character

The Dan Gemus Real Estate Team matches buyers with homes that fit their lifestyle, location, and long-term goals, ensuring you make a confident and informed choice.

8. Know What You’re Signing Up For

Owning a century home is more than just a financial decision—it’s a lifestyle. You’re becoming a caretaker of local history, preserving craftsmanship and stories that have stood the test of time.

Before you buy, ask yourself:

Am I comfortable with ongoing maintenance?
Do I appreciate original details, even if they’re imperfect?
Am I financially prepared for hidden surprises?

If the answer is yes, a century home might just be your perfect fit.

Final Thoughts

Buying a century home in Windsor-Essex County is both exciting and rewarding. These homes bring warmth, history, and a sense of permanence that’s hard to replicate. With the right preparation, and the right guidance, you can enjoy the charm without the stress.

At The Dan Gemus Real Estate Team, we’ve helped countless buyers and sellers navigate unique properties across Windsor and Essex County. Our experience ensures you have the insight, local knowledge, and connections you need to make an informed purchase.

📍 About The Dan Gemus Real Estate Team

The Dan Gemus Real Estate Team Ltd., Brokerage is Windsor-Essex’s top real estate team, proudly serving communities across Amherstburg, Kingsville, Essex, Leamington, and beyond. From first-time buyers to historic home enthusiasts, our team provides full-service guidance built on integrity, professionalism, and results.

Visit us at www.dangemus.com to explore current listings, or reach out and we can set you up on a home search, and discover how we can help you find or sell your next home in Windsor and Essex County.

References

Government of Ontario – Ontario Heritage Act
Canadian Real Estate Association – Buying a Historic Home in Canada
Royal LePage Canada – Questions to Ask When Purchasing a Century Home
Canada Mortgage and Housing Corporation (CMHC) – Buying an Older Home: Considerations for Buyers

*This blog is not intended to replace legal, financial, environmental or insurance advice, nor is it intended to solicit those under contract with another Brokerage.