185 Chapel Street, Cobourg, ON

$645,000
MLS#:X12938690
3 beds
2 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Description

Property Highlights

Welcome to this remarkable ["2-Storey"] detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $645,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 40 x 101.27 ft lot
  • Features a ["full"] basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Sump Pump, Water Heater Owned
  • equipped with ["central air"] central cooling and highly efficient forced air heating via gas

Nestled along sought-after Chapel Street in the heart of Cobourg's historic downtown, this charming 1930s "Jackson"-style home offers a rare blend of character, comfort, and lifestyle. From the moment you arrive, the whimsical, storybook gardens create an enchanting first impression, perfectly framing the home's timeless appeal. The inviting front porch is an ideal spot to relax and watch the rhythm of the neighbourhood unfold.Inside, warmth and functionality meet classic charm. The spacious living room is centered around a cozy gas fireplace-perfect for holiday stockings and cherished family moments. A thoughtfully designed rear addition features a bright, updated kitchen and a convenient three-piece bathroom, with direct access to a tiered backyard deck. Step outside to enjoy lush gardens and a delightful hobby shed, creating your own private retreat.The main floor also boasts a generous dining room with original built-in cabinetry, adding both character and practicality. Upstairs, you'll find three comfortable bedrooms-two with large closets-and a beautifully appointed bathroom complete with a clawfoot tub, ideal for unwinding at the end of the day.Additional space in the lower level provides room for hobbies, storage, or future possibilities.This is more than a home-it's a lifestyle. Enjoy leisurely walks to the beach, just a few blocks away, Saturday mornings at the farmers' market, and easy access to Cobourg's vibrant downtown cafés and restaurants. A truly special place to call home, where every day feels a little more inspired

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateApril 11, 2026
Sold price information is available to members only
Listed Date3/31/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
ConstructionBrick, Vinyl Siding
Lot Size40 × 101.27 Feet
CountyNorthumberland
Annual Tax$3,873
Legal DescriptionPT LT 8 BLK B PL CADDY (FORMERLY LT 15 CON A HAMILTON) COBOURG; PT LT 9 BLK B PL CADDY (FORMERLY LT 15 CON A HAMILTON) COBOURG PT 1 39R8735; COBOURG

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
Cooling["Central Air"]

Features

Property Features

Beach, Arts Centre, Hospital, Marina, School, Rec./Commun.Centre

Community Features

Location

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185 Chapel Street, Cobourg, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 185 Chapel Street, Cobourg, ON K9A 1J6

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Financial Audit

Estimated Costs

Loan Amount$516,000
Monthly Mortgage$2,998
Property Tax (Est.)$323
Utilities & Maint.$350
Total Monthly Cost$3,671

Nearby School Rankings

No schools found within 3 km of this property.

Within 2km radiusFraser Institute Ratings

Nearby Listings

Distance:

No current listings found in Cobourg.

City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Cobourg, Cobourg.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$718,091

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Burnham
Public614 Burnham Street, Cobourg, Ontario, K9A 2X1
5.2
Notre Dame
Public760 Burnham Street, Cobourg, Ontario, K9A 2X6
4.6
St. Joseph
Catholic919 D'Arcy Street, Cobourg, Ontario, K9A 4B4
3.6
C R Gummow
Public311 Cottesmore Avenue, Cobourg, Ontario, K9A 4E3
5.9
Terry Fox
Public1065 Riddell Avenue, Cobourg, Ontario, K9A 5N4
7.3

Secondary Schools

St. Mary
Catholic1050 Birchwood Trail, Cobourg, Ontario, K9A 5S9
7.1
Cobourg
Public335 King Street East, Cobourg, Ontario, K9A 1M2
5.6

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.