525 Barbara Street, Cobourg, ON

$599,000
MLS#:X13154782
4 beds
2 baths
700-1100 sqft
3.0 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 $599,000 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.

  • 4 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 700-1100 sqft on a premium 49.12 x 96.11 ft lot
  • Features a separate entrance, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available
  • Notable attributes: Water Heater Owned, Storage, Primary Bedroom - Main Floor
  • Efficient forced air heating via gas

Description

Cobourg West-End 3+1 beds, 2 bath brick Bungalow with finished basement & In-Law suite potential. Ideal for families, first-time buyers, investors & located in the very desirable West End, close proximity to shopping, groceries, parks, hospital, school and a short walk to downtown Cobourg and its heritage harbour, marina & beach. The main floor features 3 spacious Bedrooms, a renovated 4-piece bathroom, kitchen & a bright and inviting living room, a side entrance providing a seamless transition to the backyard & entrance to the basement. In the basement, you will find a large open living space, bedroom & 3 piece bath & large storage area. Potential In-Law Suite option for the basement, which already includes a kitchenette space. Outdoors offers a private backyard with exceptional gardens, a fenced yard & plenty of space for entertaining. In recent years furnace replaced in 2019, roof 2014/2015 and original windows upgraded with Vinyl in '94. Don't miss the opportunity to own this remarkable property. Whether you're a current resident or new to Northumberland County, it promises an exceptional lifestyle, with its breathtaking rolling hills, lake access, and scenic forested trails perfect for hiking, ATV riding, snowmobiling, and cross-country skiing. All within an hour's drive from Toronto.

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
2
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date5/21/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementSeparate Entrance, Finished
Lot Size49.12 × 96.11 Feet
CountyNorthumberland
Annual Tax$3,658
Legal DescriptionLT 52 PL 139 COBOURG; COBOURG

Parking & Garage

Parking Spaces3.0
Garage Spaces3
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

Fenced Yard, Hospital, Library, Park, School, School Bus Route

Interior Features

Water Heater Owned, Storage, Primary Bedroom - Main Floor, In-Law Capability

Security Features

Smoke Detector

Community Features

Location

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525 Barbara 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 525 Barbara Street, Cobourg, ON K9A 2A9

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$34,900 (5.8%)
* Minimum Canadian down payment required for this price is $34,900.
Amortization Period25 Years
Estimated Monthly Payment$3,362Based on a loan of $564,100 over 25 years.
Purchase Price$599,000
Loan Amount$564,100
Provincial Land Transfer Tax:$8,455
Total Estimated Closing Taxes:$8,455

About Purchasing a Home in Cobourg, ON

For a property listed at $599,000 in Cobourg, the legal minimum down payment is $34,900 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 $8,455 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 $8,455.

Nearby Listings

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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$769,759

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.