98 Ontario Street, Cobourg, ON
Property no longer active
This property was sold on January 19, 2026. This listing is for reference purposes only. to view the sold price.
Property Highlights
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
- 8.0 total parking spaces available 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
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.
Schedule a Tour
Contact us to schedule a private viewing of this property.
Contact Agent
Property Summary
This detached home located at 98 Ontario Street, Cobourg is currently for sale and has been available on SousaSells for 195 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.Key Features
Additional Details
Property Details
Parking & Garage
Heating & Cooling
Features
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
Virtual Tours
Location
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 98 Ontario Street S, Cobourg, ON K9A 3B3
Based on 0 recent similar sales in the pocket.
Properties in this area are selling at a steady pace.
Mortgage & Affordability Audit
Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cobourg.
Configure Loan Settings
About Purchasing a Home in Cobourg, ON
For a property listed at $1,695,000 in Cobourg, the legal minimum down payment is $339,000 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 $30,375 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 $30,375.
Similar Listings Nearby
City & Neighborhood Guide
Comprehensive city-wide demographics, local real estate stats, and school rankings for Cobourg, Cobourg.
People & Families
Age Distribution
Household Composition
Top Ethnic Origins
Local Schools Guide
Elementary Schools
Secondary Schools
Homes & Housing
Structural Home Types
Tenure (Ownership vs Rental)
Need more details or a custom CMA?
Generate a full market evaluation or explore city guides using the sidebar links.
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.