Embracing History:

A Guide to Buying a Historic Home

The moment you step into a historic home, you’re stepping into a living story. Original hardwood floors whisper of decades past, elegant molding reveals generations of craftsmanship, and each architectural detail radiates timeless character. Buying a historic home is more than just a real estate purchase—it’s a chance to be part of something greater.This historic property buyer guide will help you understand what makes a home historic, how to navigate ownership with grace, and why many buyers find these homes to be among the most fulfilling investments of their lives.

What Makes a Home “Historic”?

A property is typically considered historic if it is at least 50 years old and has retained its architectural significance or cultural value. Properties may be officially designated through national programs like the National Register of Historic Places (NRHP) or by local municipalities within historic districts.

These designations not only honor the past, but also invite future owners to participate in the home’s ongoing legacy. Being a part of this story doesn’t limit your creativity—it simply calls for thoughtful stewardship.

A Quote from the Heart of the Profession

“To own a historic home means you are a custodian for the time period you own it. Enjoy and appreciate the gift”

– Lisa Raffetto, Realtor, Coldwell Banker Chesapeake, 18th and 19th Century Home Expert

Can You Renovate a Historic Property?

Absolutely! Renovating a historic home is a joyful opportunity to blend the past with the present. However, because many historic properties are regulated by local preservation boards, updates to exterior features may require special approval.

Many owners successfully modernize kitchens, bathrooms, and interior systems while keeping the home’s character intact. According to the National Association of REALTORS® (NAR), “You may need approval from a historic preservation board.” One of our skilled agents can put you in touch with these local trusts and commission to make the process easier.

Smart Inspections for Peace of Mind

Before finalizing your purchase, hire a home inspector experienced in older buildings. Historic house inspections can reveal outdated systems or materials such as lead-based paint and asbestos, helping you plan renovations confidently.

Blending Old and New: Upgrades That Work

Historic home renovation doesn’t mean sacrificing comfort. Modern heating, cooling, and smart technologies can be added while preserving original charm. The key is balance—blending timeless beauty with contemporary convenience.

Preservation Pays: Grants, Loans & Tax Credits

One of the major perks of buying a historic property is access to preservation incentives. These programs can offset the costs of restoring historic properties, including:

Federal and state tax credits
Restoration grants
Low-interest renovation loans

A Rewarding Commitment: Maintenance and Care

Preserving a historic home isn’t about perfection—it’s about intention. Maintenance often involves period-appropriate materials and skilled craftsmanship, but the rewards—both emotional and financial—are significant.

Insuring Your Treasure

Historic homes insurance is different than standard policies. It’s essential to have full restoration coverage, especially when protecting antique materials and architectural features.

The Right Professionals Make All the Difference

Your dream team should include a knowledgeable real estate agent, an inspector who understands old homes, and contractors experienced in preservation. Their guidance ensures your investment honors both past and future.

A Home Like No Other

Buying a historic home offers more than shelter—it offers soul. If you’ve ever dreamed of living in a space where every detail has meaning, then this may be your moment to shine. Be proud. Be inspired. Be a steward of history.