98 Ontario Street, Cobourg, ON

$1,695,000
MLS#:X12657332
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4 Bedrooms + 1 = 5 Total Bedrooms
5 baths
3500-5000 sqft
8.0 parking
Residential Freehold
Sold property - 5 Bed, 5 Bath Home at 98 Ontario Street Cobourg ON listed at $1,695,000 (MLS# X12657332) - Main View
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This property was sold on January 19, 2026. Listing is for reference only.
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Added:Jan 2, 2026(316 days ago)
Updated:Jan 19, 2026(299 days ago)
Last Checked:14 minutes ago

Property Highlights

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Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick and stone construction, this residence presents an exceptional opportunity offered at $1,695,000 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 5 Bathrooms
  • Generous living space spanning 3500-5000 sqft on a premium 48.27 x 185 ft lot
  • Features a finished, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 2.0 garage spaces (8.0 total parking spaces) with a convenient attached configuration
  • Notable attributes: Air Exchanger, Auto Garage Door Remote, ERV/HRV
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

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Just steps from the soft sands of Cobourg Beach and the lively historic downtown, Discover coastal luxury at its finest in one of Cobourg's most desirable waterfront neighbourhoods. This custom-built executive home blends refined design with relaxed lakeside living-where the rhythm of the waves and the charm of small-town life meet.this residence showcases exceptional craftsmanship, modern elegance, and thoughtful architecture that frames stunning views of Lake Ontario.From the moment you enter, you're greeted by a grand foyer leading to soaring ceilings and expansive open-concept living spaces filled with natural light. The chef-inspired kitchen impresses with custom cabinetry, quartz countertops, and a generous island perfect for entertaining. A two-sided fireplace anchors the living area, which opens to a covered terrace-ideal for al fresco dining while listening to the gentle sounds of the lake.The primary suite offers a private sanctuary complete with a spa-inspired ensuite and custom walk-in closet. Additional bedrooms are spacious and beautifully finished, providing comfort and style for family and guests alike.The fully finished lower level adds versatility with room for a media lounge, fitness studio, or guest suite. Outdoor living is elevated with a stone gas fireplace, sauna, and thoughtfully landscaped grounds that invite year-round enjoyment.Additional features include a double garage and professional interior design emphasizing both scale and functionality.Situated in the heart of Northumberland County, Cobourg offers daily VIA Rail service, convenient highway access, proximity to the GTA, and a vibrant downtown brimming with shops, cafés, and cultural attractions-all complemented by one of Ontario's most beloved beaches.Experience timeless elegance and effortless living in this exceptional Cobourg home.

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Property Summary

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This detached home located at 98 Ontario Street, Cobourg is currently for sale and has been available for 316 days. This property is listed at $1,695,000 with an estimated mortgage of $5,642* per month. It has 5 beds, 5 bathrooms, and is 3500-5000 square feet. 98 Ontario 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 5 bedrooms and 5 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
  • •5 well-appointed bathrooms
  • •3500-5000 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

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Bedrooms
4 Bedrooms + 1 = 5 Total Bedrooms
Bathrooms
5
Kitchens
1
Living Area
3500-5000 sqft
Property Type
Residential Freehold

Additional Details

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StatusSold
Sold DateJanuary 19, 2026
Sold price information is available to members only
AddedJan 2, 2026 (316 days ago)
UpdatedJan 19, 2026 (299 days ago)
Last Checked14 minutes ago
Transaction TypeFor Sale
List Office NameRE/MAX ROUGE RIVER REALTY LTD.

Property Details

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Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Stone
BasementFinished, Full
Lot Size48.27 × 185 Feet
CountyNorthumberland
Annual Tax$14,938
Rental Itemsnil
Legal DescriptionSee Remarks

Parking & Garage

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Parking Total8.0
Parking Space6
Garage Parking2.0
Garage TypeAttached

Heating & Cooling

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Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

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Property Features

  • Beach
  • Clear View
  • Cul de Sac/Dead End
  • Level
  • Marina
  • Library

Interior Features

  • Air Exchanger
  • Auto Garage Door Remote
  • ERV/HRV
  • Generator - Full
  • Primary Bedroom - Main Floor
  • Sauna
  • Water Heater
  • Separate Heating Controls
  • Sump Pump
  • Storage
  • Steam Room
  • Floor Drain

Security Features

  • Smoke Detector
  • Carbon Monoxide Detectors

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 98 Ontario 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 98 Ontario Street, Cobourg, ON

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Q.What is the asking price for 98 Ontario Street, Cobourg, ON ?

The current listing price for 98 Ontario Street, Cobourg, ON in Cobourg, Cobourg is $1,695,000.

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

This property features 5 bedrooms and 5 bathrooms across approximately 3500-5000 sqft.

Q.What property type and architectural style is 98 Ontario Street, Cobourg, ON ?

98 Ontario Street, Cobourg, ON is a Detached (2-Storey) featuring a Finished, Full basement.

Q.What key property features does 98 Ontario Street, Cobourg, ON offer?

Key property features include: Beach, Clear View, Cul de Sac/Dead End, Level, Marina, Library.

Q.What interior features are included in this home?

Interior highlights include: Air Exchanger, Auto Garage Door Remote, ERV/HRV, Generator - Full, Primary Bedroom - Main Floor, Sauna, Water Heater, Separate Heating Controls, Sump Pump, Storage, Steam Room, Floor Drain.

Q.What security features are installed at 98 Ontario Street, Cobourg, ON ?

Security features include: Smoke Detector, Carbon Monoxide Detectors.

Q.Is parking available at this property?

Yes, this property offers parking space for 8.0 vehicles (Attached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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98 Ontario 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 98 Ontario Street S, Cobourg, ON K9A 3B3

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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
$1,695,000

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