102 Havelock Street, Cobourg, ON

$699,000
MLS#:X13624580
4 beds
2 baths
1500-2000 sqft
3.0 parking
Residential Freehold
102 Havelock Street, Cobourg, ON K9A 2J7

Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium other construction, this residence presents an exceptional opportunity offered at $699,000 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 1500-2000 sqft on a premium 81 x 50 ft lot
  • Features a partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Central Vacuum, ERV/HRV
  • equipped with other central cooling and highly efficient water heating via gas

Description

Step into a piece of history with this delightful family home that has been cherished by the same family for three generations. Located close to downtown Cobourg, without being right in the hustle and bustle, 102 Havelock St. offers a convenient but private locale. The home welcomes you with a covered porch/sunroom at the front of the house, perfect as a retreat to enjoy your coffee and newspaper. Walk through the "Shaker-style" front door onto wooden floors that guide you to the heart of the home. The living room is cozy, thanks to a charming fireplace, and it benefits from abundant natural light streaming through plentiful windows. The kitchen features extra cabinets, ensuring that all your culinary needs are within easy reach, making it a delight for those who love to cook. The main bathroom has been recently updated with elegant white tiling accented by black trim, delivering a fresh and inviting spa-like atmosphere. The expansive rec room on the lower level offers a second fireplace, numerous built-in cabinets, and a dedicated workroom complete with workbenches, creating a versatile space for both relaxation and crafting. Enjoy the benefits of heating with hot water radiators, ideal for those with allergies and practical for drying winter mittens. The backyard features a private patio, a sizable shed off the garage, and has been maintained with simplicity, making it the perfect outdoor oasis. This lovingly maintained home is suitable for single buyers, couples, or families of any age. The care and pride of ownership are evident throughout, making it a truly special place to call home.

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Property Summary

This detached home located at 102 Havelock Street, Cobourg is currently for sale and has been available on SousaSells for 6 days. This property is listed at $699,000 with an estimated mortgage of $2,327* per month. It has 4 beds, 2 bathrooms, and is 1500-2000 square feet. 102 Havelock 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
  • 1500-2000 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
2
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/31/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionOther
BasementPartially Finished
Lot Size81 × 50 Feet
CountyNorthumberland
Annual Tax$3,891
Legal DescriptionPIN: 51094-0250 (LT); PT 4 AND 5 PLAN 39R-1794

Parking & Garage

Parking Total3.0
Parking Space2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeWater
CoolingOther

Features

Property Features

  • Fenced Yard
  • Place Of Worship

Interior Features

  • Auto Garage Door Remote
  • Central Vacuum
  • ERV/HRV
  • Floor Drain
  • Water Meter
  • Workbench

Security Features

  • Security System

Community Features

None listed

Frequently Asked Questions about 102 Havelock Street, Cobourg, ON

Q.What is the asking price for 102 Havelock Street, Cobourg, ON ?

The current listing price for 102 Havelock Street, Cobourg, ON in Cobourg, Cobourg is $699,000.

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

This property features 4 bedrooms and 2 bathrooms across approximately 1500-2000 sqft.

Q.What property type and architectural style is 102 Havelock Street, Cobourg, ON ?

102 Havelock Street, Cobourg, ON is a Detached (1 1/2 Storey) featuring a Partially Finished basement.

Q.What key property features does 102 Havelock Street, Cobourg, ON offer?

Key property features include: Fenced Yard, Place Of Worship.

Q.What interior features are included in this home?

Interior highlights include: Auto Garage Door Remote, Central Vacuum, ERV/HRV, Floor Drain, Water Meter, Workbench.

Q.What security features are installed at 102 Havelock Street, Cobourg, ON ?

Security features include: Security System.

Q.Is parking available at this property?

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

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Other.

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102 Havelock 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 102 Havelock Street, Cobourg, ON K9A 2J7

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

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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$209,700 (30.0%)
* Minimum Canadian down payment required for this price is $44,900.
Amortization Period30 Years
Estimated Monthly Payment$2,327Based on a loan of $489,300 over 30 years.
Purchase Price$699,000
Loan Amount$489,300
Provincial Land Transfer Tax:$10,455
Total Estimated Closing Taxes:$10,455

About Purchasing a Home in Cobourg, ON

For a property listed at $699,000 in Cobourg, the legal minimum down payment is $44,900 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 $10,455 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 $10,455.

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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.