165 Division Street, Cobourg, ON

$1,589,000
MLS#:X13132042
3 beds
4 baths
2000-2500 sqft
2.0 parking
Residential Freehold
165 Division Street 107, Cobourg, ON K9A 0B3
⚠️

Property no longer active

This property was sold on August 4, 2026. This listing is for reference purposes only. to view the sold price.

Property Highlights

Welcome to this remarkable 3-Storey link located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium stone and stucco (plaster) construction, this residence presents an exceptional opportunity offered at $1,589,000 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.

  • 3 Bedrooms and 4 Bathrooms
  • Generous living space spanning 2000-2500 sqft on a premium 29.4 x 82.45 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Bar Fridge, Central Vacuum
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

This Unique Luxury Residence on The Esplanade on the Wharf... offers an unparalleled living experience everyday, with breathtaking panoramic views of the magnificent waterfront "Overlooking the Beach & Marina" in Downtown Cobourg! Enjoy the Magic of Lakeside Living with Captivating Views from this renovated "Freehold" End Unit Townhome...it even has it's own Elevator! Featuring a Front Patio off the Living Room & an Amazing Private Rooftop Terrace ~ Perfect for Entertaining & enjoying the Glorious Sunsets! This Modern updated home offers 9' Ceilings, Hardwood floors, Gorgeous Kitchen ~ Stainless Steel Appliances with Gas Stove, large Center Island with Quality Caesar stone Counters & Backsplash. A New Gas Fireplace in Living Room, Spacious Open Dining area, Floor to Ceiling Windows with California Shutters to marvel at the Yachts & Views. From this well appointed Principle Suite morning begins with sweeping Harbour views from the Balcony, custom Walk-in Closet and enjoy this Spa Style Ensuite a dream come true ~ Glass Shower with Rain Head, Marble & Ceramic finishes, complete with Free Standing Soaker Tub ~ a true private retreat! The "Great Room" on the 3rd Floor is amazing with convenient Wet Bar & Bathroom ~ the view to the North includes Victoria Hall & the Historic Downtown. To the South through Wall to Wall Windows & Walkout to the huge Private Terrace where you will enjoy the Fabulous Views - you might think you are in the Rivera! Complete with Direct Connect Gas for B.B.Q. The Attached Garage features Electrical Vehicle Charger & Garage Door Opener Plus Driveway Parking for your Second Car. NO MAINTENANCE ~ Grass Cutting & Snow Removal~ included. That's not all~ Walk to Everything ~ King Street Shops, Cafes, Restaurants, Victoria Park for Concerts & Events, The amazing Beach... with Movies under the Stars, Sand Castle Competition, Canada Day Festival with Fireworks over the Harbour! All this & just Minutes to Via Rail ~ Downtown T.O. in an Hour!

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Property Summary

This link located at 165 Division Street, Cobourg is currently for sale and has been available on SousaSells for 83 days. This property is listed at $1,589,000 with an estimated mortgage of $5,289* per month. It has 3 beds, 4 bathrooms, and is 2000-2500 square feet. 165 Division 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 3 bedrooms and 4 bathrooms, this home offers ample space and comfort for growing families in Cobourg, Cobourg.

Highly Recommended for Families
What We Love About This Home
  • 3 spacious bedroom layout offering versatile living space
  • 4 well-appointed bathrooms
  • 2000-2500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Cobourg.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
4
Kitchens
1
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateAugust 4, 2026
Sold price information is available to members only
Listed Date5/15/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeLink
Architectural Style3-Storey
ConstructionStone, Stucco (Plaster)
BasementFull, Unfinished
Lot Size29.4 × 82.45 Feet
CountyNorthumberland
Annual Tax$11,243.8
Legal DescriptionPt Block 4 Plan 39M840, Pt12, 3911345; T/W Over Pts 5,8 & 10, 39R11310 As in NC254057; T/W over PTS 6,7 & 9, 39R11310 as in NC 254059; T/W over Pt 11, 39R11310 as in NC254058; T/V over Pt12, 39R11310 as in NC254060, Cobourg, County of Northumberland, T/W an undivided Common Interest in Northumberland Common Elements Condominium Corporation No 50.

Parking & Garage

Parking Total2.0
Parking Space1
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Beach
  • Electric Car Charger
  • Marina
  • Park
  • Place Of Worship
  • Public Transit

Interior Features

  • Auto Garage Door Remote
  • Bar Fridge
  • Central Vacuum
  • Floor Drain
  • Intercom
  • Rough-In Bath
  • Separate Heating Controls
  • Separate Hydro Meter
  • Storage
  • Sump Pump
  • Water Heater Owned

Security Features

  • Alarm System
  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 165 Division Street, Cobourg, ON

Q.What is the asking price for 165 Division Street, Cobourg, ON ?

The current listing price for 165 Division Street, Cobourg, ON in Cobourg, Cobourg is $1,589,000.

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

This property features 3 bedrooms and 4 bathrooms across approximately 2000-2500 sqft.

Q.What property type and architectural style is 165 Division Street, Cobourg, ON ?

165 Division Street, Cobourg, ON is a Link (3-Storey) featuring a Full, Unfinished basement.

Q.What key property features does 165 Division Street, Cobourg, ON offer?

Key property features include: Beach, Electric Car Charger, Marina, Park, Place Of Worship, Public Transit.

Q.What interior features are included in this home?

Interior highlights include: Auto Garage Door Remote, Bar Fridge, Central Vacuum, Floor Drain, Intercom, Rough-In Bath, Separate Heating Controls, Separate Hydro Meter, Storage, Sump Pump, Water Heater Owned.

Q.What security features are installed at 165 Division Street, Cobourg, ON ?

Security features include: Alarm System, Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (Attached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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165 Division 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 165 Division Street 107, Cobourg, ON K9A 0B3

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.

Configure Loan Settings

Interest Rate4.00%
Down Payment$476,700 (30.0%)
* Minimum Canadian down payment required for this price is $317,800.
Amortization Period30 Years
Estimated Monthly Payment$5,289Based on a loan of $1,112,300 over 30 years.
Purchase Price$1,589,000
Loan Amount$1,112,300
Provincial Land Transfer Tax:$28,255
Total Estimated Closing Taxes:$28,255

About Purchasing a Home in Cobourg, ON

For a property listed at $1,589,000 in Cobourg, the legal minimum down payment is $317,800 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 $28,255 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 $28,255.

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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.