443 Victoria Street, Cobourg, ON

$799,990
MLS#:X13593886
4 beds
2 baths
2500-3000 sqft
3.0 parking
Residential Freehold
443 Victoria Street, Cobourg, ON K9A 3H1

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 $799,990 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.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 2500-3000 sqft on a premium 77 x 116 ft lot
  • Features a unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Guest Accommodations, In-Law Capability
  • equipped with other central cooling and highly efficient radiant heating via gas

Description

Built in 1856 and proudly recognized as one of Cobourg's Pre-Confederation Buildings, this one-of-a-kind century home blends timeless 19th century architecture with thoughtful upgrades-far from your average cookie-cutter property. Situated on a private oversized corner lot, the home welcomes you from the covered porch, surrounded by mature perennial gardens, into bright and inviting living and dining spaces. The updated kitchen features quartz countertops and built-in appliances, while upstairs offers 3 spacious bedrooms including a primary retreat with vaulted ceilings and a walk-in closet. Registered as a 2-unit dwelling, the home also presents excellent potential for an in-law or nanny suite, or home business with its own living/dining area and additional bedroom/office. Ideally located just moments from Cobourg's vibrant downtown, farmers' market, waterfront, beach, VIA rail station for easy travel into Toronto. Rich in character, history, versatility, and an exceptional location, this is a truly special property you won't want to miss.

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Property Summary

This detached home located at 443 Victoria Street, Cobourg is currently for sale and has been available on SousaSells for 15 days. This property is listed at $799,990 with an estimated mortgage of $2,663* per month. It has 4 beds, 2 bathrooms, and is 2500-3000 square feet. 443 Victoria 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 4 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
  • 4 spacious bedroom layout offering versatile living space
  • 2 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
4
Bathrooms
2
Kitchens
1
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/22/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionWood
BasementUnfinished
Lot Size77 × 116 Feet
CountyNorthumberland
Annual Tax$5,452
Legal DescriptionPT LT 13 BLK S PL CADDY (FORMERLY LT 18 CON A HAMILTON) COBOURG; PT LT 14 BLK S PL CADDY (FORMERLY LT 18 CON A HAMILTON) COBOURG PT 1 39R894; COBOURG

Parking & Garage

Parking Total3.0
Parking Space2
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingOther

Features

Property Features

None listed

Interior Features

  • Guest Accommodations
  • In-Law Capability

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 443 Victoria Street, Cobourg, ON

Q.What is the asking price for 443 Victoria Street, Cobourg, ON ?

The current listing price for 443 Victoria Street, Cobourg, ON in Cobourg, Cobourg is $799,990.

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

This property features 4 bedrooms and 2 bathrooms across approximately 2500-3000 sqft.

Q.What property type and architectural style is 443 Victoria Street, Cobourg, ON ?

443 Victoria Street, Cobourg, ON is a Detached (2-Storey) featuring a Unfinished basement.

Q.What interior features are included in this home?

Interior highlights include: Guest Accommodations, In-Law Capability.

Q.Is parking available at this property?

Yes, this property offers parking space for 3.0 vehicles (Detached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Other.

Location

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443 Victoria 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 443 Victoria Street, Cobourg, ON K9A 3H1

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.

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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$239,997 (30.0%)
* Minimum Canadian down payment required for this price is $54,999.
Amortization Period30 Years
Estimated Monthly Payment$2,663Based on a loan of $559,993 over 30 years.
Purchase Price$799,990
Loan Amount$559,993
Provincial Land Transfer Tax:$12,475
Total Estimated Closing Taxes:$12,475

About Purchasing a Home in Cobourg, ON

For a property listed at $799,990 in Cobourg, the legal minimum down payment is $54,999 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 $12,475 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 $12,475.

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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.