12 Spencer Street, Cobourg, ON
Property no longer active
This property was sold on June 29, 2025. This listing is for reference purposes only. to view the sold price.
Property Highlights
Welcome to this remarkable 2-Storey semi-detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium aluminum siding construction, this residence presents an exceptional opportunity offered at $579,950 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 32.6 x 164.57 ft lot
- Features a partial basement basement, adding superb versatility for recreation, a home gym, or extra storage
- 3.0 total parking spaces available
- Notable attributes: Other
- Efficient forced air heating via gas
Description
Looking for that character home with private large lot close to everything. Walk to the renowned beach and quaint downtown of Cobourg. Built in 1886 this large semi sits on a 164 foot deep lot. Enjoy the the walkout to the deck with beautiful privacy screens and step down to the lounge/dining area on the pattern concrete patio. This home boasts a lovely open concept main floor with lots of original charm and trim work. 3 nice sized bedrooms with gorgeous pine flooring and surprise 2nd floor laundry and huge dressing room/closet off Primary bedroom. Metal roof 2022, driveway 2022, California shutters front window 2021,deck privacy walls, garden gate/fence 2021, front porch deck and rock garden, 2022, front walkway and steps 2022, stamped concrete patio, 2022, stackable washer/dryer 2024, transom window 2024, kitchen, upper bathroom & powder room floors 2025. *Home inspection May 2025.*
Schedule a Tour
Contact us to schedule a private viewing of this property.
Contact Agent
Property Summary
This detached home located at 12 Spencer Street, Cobourg is currently for sale and has been available on SousaSells for 394 days. This property is listed at $579,950 with an estimated mortgage of $1,930* per month. It has 3 beds, 2 bathrooms, and is 1100-1500 square feet. 12 Spencer Street, Cobourg is in the Cobourg neighborhood.
* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.Key Features
Additional Details
Property Details
Parking & Garage
Heating & Cooling
Features
Property Features
Interior Features
Other
Security Features
Community Features
Location
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 12 Spencer Street W, Cobourg, ON K9A 2G3
Based on 0 recent similar sales in the pocket.
Properties in this area are selling at a steady pace.
Mortgage & Affordability Audit
Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cobourg.
Configure Loan Settings
About Purchasing a Home in Cobourg, ON
For a property listed at $579,950 in Cobourg, the legal minimum down payment is $32,995 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.
Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $8,074 for this transaction. As this listing is in Cobourg (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $8,074.
Similar Listings Nearby
City & Neighborhood Guide
Comprehensive city-wide demographics, local real estate stats, and school rankings for Cobourg, Cobourg.
People & Families
Age Distribution
Household Composition
Top Ethnic Origins
Local Schools Guide
Elementary Schools
Secondary Schools
Homes & Housing
Structural Home Types
Tenure (Ownership vs Rental)
Need more details or a custom CMA?
Generate a full market evaluation or explore city guides using the sidebar links.
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.