354 College Street, Cobourg, ON

$1,385,000
MLS#:X13638008
5 beds
3 baths
2500-3000 sqft
2.0 parking
Residential Freehold
354 College Street, Cobourg, ON K9A 3V6

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $1,385,000 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.

  • 5 Bedrooms and 3 Bathrooms
  • Generous living space spanning 2500-3000 sqft on a premium 66 x 165 ft lot
  • Features a partial basement, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Other, Primary Bedroom - Main Floor, Sump Pump
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to the iconic Hough House c.1867, where timeless architecture & exceptional craftsmanship come together blocks from Cobourg's waterfront & downtown. Thoughtfully restored from top to bottom, this landmark residence honours its heritage while delivering elevated finishes & functionality that today's discerning buyer expects. Offering 5 or 6 bedrooms & 3 baths, this light-filled home is suited to everyday living & effortless entertaining. At its heart is a custom eat-in kitchen feat. premium appliances, quartz counters, built-in pantry, generous centre island, gas fp & views over the private courtyard, while the south mudroom entry offers heated herringbone tile, custom storage & seamless functionality. A formal dining room w/ gas fp & separate family room provide flexibility. The main-floor primary is a retreat, complete w/ dual w/i closets w/ custom built-ins, dedicated laundry, spa-inspired 3-piece ensuite w/ heated floors & glass shower, plus access to a secluded hot tub deck surrounded by lush gardens. Upstairs find 4 or 5 beds w/ custom closets, laundry area and a beautifully appointed 5-pc bath w/ curbless glass shower, marble-topped vanity w/ toe-kick lighting & reeded soaker tub. The south-facing courtyard extends the home's living space w/ integrated speakers, a b/i gas BBQ and areas to dine, gather or unwind. Beyond, the private backyard unfolds through perennial gardens, flagstone paths & landscape lighting, creating beauty through every season. A detached 492 sqft. studio/workshop w/ electric heat, heat pump & wood stove provides flexibility as a home office, creative studio or entertaining retreat. Significant capital improvements include windows & doors, updated plumbing, electrical, insulation, roof, decking, lighting and more, creating a home that is as effortless to own as it is beautiful. Discover one of Cobourg's most distinguished residences, where historic character, modern design and an exceptional lifestyle exist in perfect balance!

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Property Summary

This detached home located at 354 College Street, Cobourg is currently for sale and has been available on SousaSells for 2 days. This property is listed at $1,385,000 with an estimated mortgage of $4,610* per month. It has 5 beds, 3 bathrooms, and is 2500-3000 square feet. 354 College Street, Cobourg is in the Cobourg neighborhood.

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

Yes! Featuring 5 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Cobourg, Cobourg.

Highly Recommended for Families
What We Love About This Home
  • 5 spacious bedroom layout offering versatile living space
  • 3 well-appointed bathrooms
  • 2500-3000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Cobourg, Cobourg.

Target Buyer Match

Key Features

Bedrooms
5
Bathrooms
3
Kitchens
1
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date8/4/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionWood
BasementPartial Basement, Unfinished
Lot Size66 × 165 Feet
CountyNorthumberland
Annual Tax$5,990
Legal DescriptionPT LT 2 BLK M PL CADDY (FORMERLY LT 16 CON A HAMILTON) COBOURG AS IN NC282925; COBOURG

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Hospital
  • Lake/Pond
  • Place Of Worship
  • Rec./Commun.Centre

Interior Features

  • Other
  • Primary Bedroom - Main Floor
  • Sump Pump

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 354 College Street, Cobourg, ON

Q.What is the asking price for 354 College Street, Cobourg, ON ?

The current listing price for 354 College Street, Cobourg, ON in Cobourg, Cobourg is $1,385,000.

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

This property features 5 bedrooms and 3 bathrooms across approximately 2500-3000 sqft.

Q.What property type and architectural style is 354 College Street, Cobourg, ON ?

354 College Street, Cobourg, ON is a Detached (2-Storey) featuring a Partial Basement, Unfinished basement.

Q.What key property features does 354 College Street, Cobourg, ON offer?

Key property features include: Hospital, Lake/Pond, Place Of Worship, Rec./Commun.Centre.

Q.What interior features are included in this home?

Interior highlights include: Other, Primary Bedroom - Main Floor, Sump Pump.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 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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354 College 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 354 College Street, Cobourg, ON K9A 3V6

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cobourg.

Configure Loan Settings

Interest Rate4.00%
Down Payment$415,500 (30.0%)
* Minimum Canadian down payment required for this price is $277,000.
Amortization Period30 Years
Estimated Monthly Payment$4,610Based on a loan of $969,500 over 30 years.
Purchase Price$1,385,000
Loan Amount$969,500
Provincial Land Transfer Tax:$24,175
Total Estimated Closing Taxes:$24,175

About Purchasing a Home in Cobourg, ON

For a property listed at $1,385,000 in Cobourg, the legal minimum down payment is $277,000 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 $24,175 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 $24,175.

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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.