There’s something deeply special about stepping into a home that has stood for over a hundred years—the creak of original hardwood underfoot, the weight of a solid wood banister polished by generations of hands, the whispers of stories etched into plaster walls.

In Ontario, we call these enduring beauties century homes—and for many buyers, they represent not just a property but a piece of living history. If you’re considering buying a century home or simply want to learn more about them, this guide will walk you through what makes a home a century home, what to expect as a buyer, and how Ontario’s Heritage Registry may affect your journey.

Make sure you check out our other post about how to sell a century home right here.

What is a Century Home?

In the simplest terms, a century home is a house that is at least 100 years old and designated as a residential property.

While age is the defining factor, century homes are renowned for their craftsmanship, character, and architectural significance—from elaborate Victorians to symmetrical Edwardians, these homes were built in an era when details mattered.

But a century home is more than its construction date. It’s a symbol of endurance, a connection to our province’s past, and often, a labour of love for those who call it home.

Do you have buying-specific questions? Here are a few more posts you might find interesting:

What to Know Before Buying a Century Home

Buying a century home can be deeply rewarding, but it also comes with unique considerations.

Structure & Systems

Century homes were constructed in an era long before modern building codes, and while many have stood the test of time with grace, it’s important to understand what you’re investing in behind the walls and beneath the floors.

A qualified home inspection is critical—ideally conducted by a professional with experience specifically in older homes. Here are a few key areas to pay special attention to:

  • Foundation – Many century homes were built on foundations that may not be as watertight or structurally uniform as modern poured concrete foundations. Common concerns include:
    • Minor shifting or settling over time
    • Moisture penetration and basement dampness
    • Crumbling mortar or surface erosion
  • Electrical Systems – If the home hasn’t been fully rewired, there may still be knob and tube or aluminum wiring present, both of which can pose safety concerns and may limit your ability to obtain home insurance. Upgrading the electrical system is often one of the first significant investments buyers make, and it can significantly improve safety and functionality. You’ll also want to check:
    • Electrical panel capacity (many older homes have 60–100 amp service, which may not be sufficient for modern appliances)
    • Grounding and GFCI outlets
    • Condition and code compliance of any DIY or past renovations
  • Plumbing – Century homes may have galvanized steel or lead pipes, both of which can impact water pressure, quality, and long-term safety. Replacing outdated plumbing can improve peace of mind and efficiency, although it may require access behind walls or floors. Older homes may also feature:
    • Mixed plumbing materials from multiple renovations
    • Non-insulated pipes that are prone to freezing
    • Inaccessible shut-offs or outdated drainage systems
  • Heating and Cooling – Most century homes were not originally built with forced-air systems, and many relied on radiators, oil furnaces, or wood-burning stoves. Retrofitting ductwork or converting to a modern HVAC system can be a significant investment, but it often leads to improved energy efficiency, enhanced comfort, and increased resale appeal. Today, you might encounter:
    • Outdated boiler systems (some still functioning well!)
    • Oil tanks (which may require removal)
    • Baseboard electric heating
    • Window or ductless A/C systems
  • Insulation and Ventilation – Proper insulation was not standard when these homes were built, and many have never been updated. Modernizing insulation (spray foam, blown-in cellulose) can dramatically improve comfort and lower energy costs, but it may require careful planning to preserve historical finishes. Today, you might see:
    • Little to no insulation in walls or attics
    • Poor attic ventilation, leading to moisture buildup
    • Drafty single-pane windows

Do you have more questions about buying a unique property? Read these posts next:

Maintenance & Renovation

Owning a century home often means embracing both its beauty and its quirks. These homes were built in a different era with different materials and expectations, and while that brings undeniable charm, it also comes with ongoing care and thoughtful updates.

  • Expect Regular Maintenance – Century homes often require more upkeep than newer builds. Not necessarily because they’re falling apart, but because older materials age differently — and systems like roofing, windows, and exterior cladding may not have been updated to modern standards yet. Be prepared for:
    • Routine painting and sealing (especially on wood siding or windows)
    • Chimney upkeep (for functional or decorative masonry)
    • Gutter and drainage updates to protect foundation integrity
    • Periodic repairs to original features
  • Quirks You May Encounter – One of the joys—and challenges—of owning a century-old home is learning its unique personality. These homes were often hand-built, sometimes with inconsistent standards, and have usually been altered by decades of previous owners. These quirks aren’t necessarily flaws; many buyers see them as part of the charm. Some common quirks include:
    • Sloped or uneven floors
    • Narrow or winding staircases
    • Low ceiling height in upper levels or basements
    • Tiny closets or no closets at all
    • Doors that don’t quite close or latch
    • Mixed styles from previous renovations
    • Unusual room layouts
  • Renovating with Care – If you plan to renovate, it’s worth working with professionals who specialize in older homes. Modernizing a century-old home is often about striking a balance, respecting its history while making it comfortable for today. Many homeowners find joy in preserving original character elements, such as wood trim, stained glass, or transom windows, while updating kitchens, bathrooms, and energy systems to enhance their daily lives. Many updates require extra sensitivity, especially if your home features:
    • Lathe and plaster walls (which require different treatment than drywall)
    • Original millwork, floors, or trim you want to preserve
    • Heritage designation or listing (which may restrict some exterior changes)

Real estate is full of terms and jargon that might seem confusing to the average homebuyer. That’s why we’re here! Keep reading this post to understand TRESA and what it means for you as a buyer or a seller. 

Understanding the Heritage Registry

In Ontario, some century homes are recognized not just for their age but for their cultural, historical, or architectural value. These properties may be included on the Municipal Heritage Register, which is maintained by individual municipalities as a way of acknowledging and protecting significant parts of local history.

There are two main types of heritage recognition: designated and listed properties. A designated heritage property is protected under the Ontario Heritage Act, which means that any alterations to its designated features—often the exterior, but sometimes interior elements as well—require municipal approval. This helps ensure that the home’s historical significance is preserved for future generations. While that may sound restrictive, it’s often viewed as an honour, and homeowners may be eligible for grants, tax relief, or other incentives to help maintain the property in line with heritage guidelines.

On the other hand, a listed (non-designated) property is recognized as having heritage value, but it doesn’t carry the same level of protection. Being listed allows the municipality to temporarily delay demolition or significant alterations. This time is used to evaluate whether the home should be considered for designation or if other preservation options can be pursued.

While this doesn’t prevent changes outright, it adds a layer of awareness and encourages thoughtful stewardship of the home’s heritage features.

Did you know we have multiple guides and e-books to help you on your homeowner journey? Here are a few guides you might want to download next:

Whether a home is listed or designated, buyers need to understand how this status may impact their renovation plans, resale, and long-term maintenance. Your real estate agent can help determine a property’s current heritage status and guide you through any associated responsibilities or opportunities. Owning a heritage home often means becoming a caretaker of local history—a role many buyers find deeply rewarding.

Century homes aren’t just about wood and brick—they’re about legacy. They’ve sheltered families through world wars, hosted countless parties and gatherings, and stood strong through every chapter of the last hundred years. If you’re drawn to the history, charm, and character of century homes in Ontario, you’re not alone. Working with the Lisa Hartsink Team means you have the support of professionals who understand older homes, heritage designations, and the care these properties deserve. After all, the best homes aren’t always the newest. Sometimes, they’re the ones that have already stood the test of time. Thinking of buying a century home

We would be happy to help you explore the possibilities and protect your investment. Give us a call, and let’s talk about your next chapter!

Get in touch with us by filling out the form on this page or by calling us directly at 905-873-994 or emailing info@lisahartsink.com