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With its quaint towns and villages, Connecticut offers homebuyers the chance to own a piece of history. From weathered Colonials and stately Victorials to charming Cape Cods, historic homes provide a unique opportunity to live in a property that families have enjoyed for generations. Beyond the appeal of vintage architecture, historic houses foster a sense of community and connect you to the past. However, buying an old home also comes with special considerations. Before you start touring charming historic listings, learn what to look for to find a historic house that suits your needs. This guide covers the benefits and factors to weigh when purchasing a historic home, steps to take in the buying process, and common historical architectural styles seen across Connecticut. With proper research and the right approach, you can secure a historic home that your family will treasure for years to come.
Benefits of Buying a Historic Home
Factors to Consider When Buying a Historic Home
Historic Home Styles in Connecticut
Connecticut has a wide variety of unique, historic properties. Most fall into one of four categories.
Colonial
Victorian
Cape Cod
Farmhouse
Colonial
Colonials date back to the 1600s and feature simple, symmetrical shapes. Identifying elements are double-hung windows, prominent chimneys, clapboard siding, and front door surrounded by columns.
Victorian
Popular after the Civil War until 1900, Victorians have ornate trim, turrets, towers, and asymmetrical facades. Subtypes include Gothic Revival, Queen Anne, Stick, Folk Victorian, and Shingle style.
Farmhouse
Farmhouse designs first emerged in the 1700s with practical features like wide porches, dormers, and attached barns. Updated versions add Craftsman and Prairie influences.
Cape Cod
Cape Cod cottages are very common in New England. Known for their steep roofs, dormer windows, timber frame, and efficient use of space. Most date from early 1900s.
Steps for Purchasing a Historic Home
- 1
Research Neighborhoods and Listings
Look into areas and properties listed on the National Register of Historic Places. Drive around potential neighborhoods for sale signs. Expand your search area.
- 2
Get Pre-Approved for a Mortgage
Know your budget and get pre-approved for a loan amount. Historic homes often require bigger down payments. Make sure to ask about renovation financing.
- 3
Hire a Knowledgeable Agent
Find a real estate agent experienced with historic properties. They can guide you on regulations, appropriate pricing, and qualified inspectors.
As a managing broker for Regency Homes, we would be happy to serve as your agent on your search for a historic home. If you’d be interested in working with us, or if we can answer any questions, please get in touch.
- 4
Inspect Thoroughly and Ask Questions
In addition to a standard home inspection, you may need specialized structural, mechanical, and historical inspections. Ask about past renovations done.
- 5
Prepare for Closing Costs and Renovations
Account for higher closing costs and immediate renovations needed in your purchase offer. Update your budget as you get contractor estimates.
With a rich architectural history spanning over 300 years, Connecticut offers classic historic homes full of charm and quality. Do your homework beforehand so you can navigate the unique scenarios that come with buying an old house. Take advantage of available resources and find the historic home that fits your lifestyle. With the right long-term approach to maintenance and upgrades, you’ll enjoy all the benefits of owning a piece of Connecticut history.
FAQ
Search the National Register of Historic Places and check with your city and county assessor’s office to see if the home is individually listed or part of a historic district.
Conventional mortgages, FHA loans, and home equity loans can all work. Talk to lenders specializing in historic properties about options like construction loans or renovation financing.
In addition to a general home inspector, consider hiring specialists like a preservation architect, structural engineer, and HVAC/plumbing professionals used to working on old homes.
Additions are possible but must be approved by the local historic commission. Make sure to follow guidelines on placement, size, height, materials, and design compatibility.
Meet Sarah Perrotti
REB.0793764
Based in Litchfield County, Connecticut, Sarah is a distinguished full-time realtor specializing in luxury properties and concierge services tailored to discerning buyers and sellers.
With a Masters degree in Social Work, Sarah brings a unique perspective to real estate, ensuring confidentiality and seamless transactions.
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Meet Sarah Perrotti
REB.0793764
Based in Litchfield County, Connecticut, Sarah is a distinguished full-time realtor specializing in luxury properties and concierge services tailored to discerning buyers and sellers.
With a Masters degree in Social Work, Sarah brings a unique perspective to real estate, ensuring confidentiality and seamless transactions.
