144 Spencer Street, Cobourg, ON

$624,900
MLS#:X13120682
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2 Bedrooms + 1 = 3 Total Bedrooms
2 baths
700-1100 sqft
3.0 parking
Residential Freehold
Sold property - 3 Bed, 2 Bath Home at 144 Spencer Street Cobourg ON listed at $624,900 (MLS# X13120682) - Main View
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This property was sold on May 21, 2026. Listing is for reference only.
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Added:May 13, 2026(185 days ago)
Updated:May 21, 2026(177 days ago)
Last Checked:12 minutes ago

Property Highlights

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Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $624,900 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 700-1100 sqft on a premium 40.93 x 173.69 ft lot
  • Features a finished, separate entrance basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 0.0 garage spaces (3.0 total parking spaces)
  • Notable attributes: In-Law Capability, Primary Bedroom - Main Floor, Storage
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

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Welcome to 144 Spencer St. E., a charming 2 Bedroom, 2 Bathroom detached brick bungalow in the desirable community of Cobourg, walking distance to Cobourg beach, historic downtown, and near schools, parks, community centres, shopping, and walking trails. The front of the home offers a refreshing landscaped lawn, a 2-car private driveway, and a separate side door entrance to the finished basement. The backyard features a convenient walkout composite deck with a pergola and a garden shed for additional storage. Inside, the bright open-concept main floor, finished with hardwood floors, welcomes you into the inviting yet cozy living room with a gas fireplace and built-in shelving for a personalized touch. The stylish kitchen is thoughtfully designed with modern white cabinetry, stainless steel appliances, and a functional island breakfast bar, seamlessly flowing into the sun-filled dining area. The primary bedroom is a true standout, featuring a rare walkout to the back deck, while the second bedroom offers ample storage with both a closet and wardrobe. The well-appointed 3-piece main floor bathroom is finished with tile flooring and a spa-inspired walk-in glass shower with a luxury rain-style shower head.The fully finished versatile basement offers an additional bedroom, 4-piece bathroom and comfortable living space, along with a separate side entrance, making it ideal for extended family, guests, or a potential secondary suite. Perfectly positioned in one of Cobourg's most sought-after locations, this home combines beautiful finishes, rare features, and a thoughtfully designed outdoor space, making it a standout opportunity for those seeking comfort, style, and convenience in a beautiful community.

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Property Summary

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This detached home located at 144 Spencer Street, Cobourg is currently for sale and has been available for 185 days. This property is listed at $624,900 with an estimated mortgage of $2,080* per month. It has 3 beds, 2 bathrooms, and is 700-1100 square feet. 144 Spencer Street, Cobourg is in the Cobourg neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Cobourg, Cobourg.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •700-1100 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Cobourg.

Target Buyer Match

Key Features

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Bedrooms
2 Bedrooms + 1 = 3 Total Bedrooms
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

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StatusSold
Sold DateMay 21, 2026
Sold price information is available to members only
AddedMay 13, 2026 (185 days ago)
UpdatedMay 21, 2026 (177 days ago)
Last Checked12 minutes ago
Transaction TypeFor Sale
List Office NameRE/MAX HALLMARK FIRST GROUP REALTY LTD.

Property Details

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Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementFinished, Separate Entrance
Lot Size40.93 × 173.69 Feet
CountyNorthumberland
Annual Tax$3,668.2
Rental ItemsReliance - Hot Water Tank Approx $23.00 monthly
Legal DescriptionLT 3 PL 89 COBOURG; COBOURG

Parking & Garage

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Parking Total3.0
Parking Space3
Garage Parking0.0
Garage TypeNone

Heating & Cooling

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Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

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Property Features

  • Beach
  • Cul de Sac/Dead End
  • Golf
  • Hospital
  • Park
  • School

Interior Features

  • In-Law Capability
  • Primary Bedroom - Main Floor
  • Storage
  • Water Heater

Security Features

  • Smoke Detector

Community Features

None listed

Property History

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No historical data available for this property.

This could be the first listing for this address.

Cobourg Homeowner & Seller AdvisoryVerified Sold Comp

What is your house worth in Cobourg?

This property at 144 Spencer Street, Cobourg, ON has closed. If you own a home on this street or nearby in Cobourg, recent market trends and verified sold prices directly determine your home equity.

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Frequently Asked Questions about 144 Spencer Street, Cobourg, ON

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Q.What is the asking price for 144 Spencer Street, Cobourg, ON ?

The current listing price for 144 Spencer Street, Cobourg, ON in Cobourg, Cobourg is $624,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 2 bathrooms across approximately 700-1100 sqft.

Q.What property type and architectural style is 144 Spencer Street, Cobourg, ON ?

144 Spencer Street, Cobourg, ON is a Detached (Bungalow) featuring a Finished, Separate Entrance basement.

Q.What key property features does 144 Spencer Street, Cobourg, ON offer?

Key property features include: Beach, Cul de Sac/Dead End, Golf, Hospital, Park, School.

Q.What interior features are included in this home?

Interior highlights include: In-Law Capability, Primary Bedroom - Main Floor, Storage, Water Heater.

Q.What security features are installed at 144 Spencer Street, Cobourg, ON ?

Security features include: Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 3.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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144 Spencer Street, Cobourg, ON
Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Cobourg, Cobourg

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
▼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

Pricing & Value Insights

Data-driven valuation for 144 Spencer Street E, Cobourg, ON K9A 1C4

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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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Cobourg, Cobourg 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$769,888

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%

Best Schools in Cobourg, Cobourg

Elementary Schools

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

Secondary Schools

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

Cobourg, Cobourg Demographic Home information

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.

Recently Sold
$624,900

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