520 Burnham Street, Cobourg, ON

$659,500
MLS#:X13223854
5 beds
3 baths
700-1100 sqft
4.0 parking
Residential Freehold
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Property Highlights

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 $659,500 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 700-1100 sqft on a premium 55.07 x 103.34 ft lot
  • Features a separate entrance, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: In-Law Suite, In-Law Capability, Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

MUST SEE! Fully updated 3+2Br, 3 full Bthrm, detached brick bungalow with a separate side entrance, located within the heart of Cobourg. This home offers just over 2,000 sq ft of finished modern living space. Main floor features an open-concept design, large windows & a spacious living room area highlighted by stylish pot lighting. The large eat-in kitchen comes fully equipped with quartz countertops, S/S appliances & an attached breakfast nook island. The fully finished lower level has high ceilings & windows for abundant natural light. Accessible directly from the main floor, the separate side entrance reveals a flexible space complete with two additional bedrooms, two full bathrooms, rec room, den, dedicated laundry & two separate kitchenettes-offering incredible potential for an in-law suite, extended family, guests, or older teens. Located minutes to the famous Cobourg Beach, hospital, shops & dining. Easy access to Highway 401. Flexible closing.and can be sold furnished! Open House Saturday June 27'th 2-4pm

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Key Features

Bedrooms
5
Bathrooms
3
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/1/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementSeparate Entrance, Finished
Lot Size55.07 × 103.34 Feet
CountyNorthumberland
Annual Tax$3,712.06
Legal DescriptionPT LT 53 BLK 9 N OF RAILWAY PL CADDY (FORMERLY LT 20 CON A HAMILTON) BEING PART 2 ON PLAN 39R-2298 TOWN OF COBOURG

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Beach, School, Hospital, Fenced Yard, Marina, Rec./Commun.Centre

Interior Features

In-Law Suite, In-Law Capability, Primary Bedroom - Main Floor, Guest Accommodations, Carpet Free

Security Features

Smoke Detector, Carbon Monoxide Detectors

Community Features

Location

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520 Burnham 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 520 Burnham Street, Cobourg, ON K9A 2W7

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.

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Interest Rate5.25%
Down Payment$40,950 (6.2%)
* Minimum Canadian down payment required for this price is $40,950.
Amortization Period25 Years
Estimated Monthly Payment$3,686Based on a loan of $618,550 over 25 years.
Purchase Price$659,500
Loan Amount$618,550
Provincial Land Transfer Tax:$9,665
Total Estimated Closing Taxes:$9,665

About Purchasing a Home in Cobourg, ON

For a property listed at $659,500 in Cobourg, the legal minimum down payment is $40,950 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 $9,665 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 $9,665.

Nearby Listings

Distance:

No current listings found in Cobourg.

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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$768,731

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
C R Gummow
Public311 Cottesmore Avenue, Cobourg, Ontario, K9A 4E3
5.9
St. Joseph
Catholic919 D'Arcy Street, Cobourg, Ontario, K9A 4B4
3.6
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

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.