182 Durham Street, Cobourg, ON

$484,000
MLS#:X13560152
2 beds
1 baths
< 700 sqft
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow semi-detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium aluminum siding construction, this residence presents an exceptional opportunity offered at $484,000 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.

  • 2 Bedrooms and 1 Bathroom
  • Generous living space spanning < 700 sqft on a premium 26.45 x 58.47 ft lot
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 0.0 total parking spaces available
  • Notable attributes: Carpet Free
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

This sweet Cottage inspired semi detached home is ADORABLE...and it's being sold fully furnished! Just bring your personal belongings and start enjoying this charming residence, complete with all furniture, appliances, and even the retro Arcade Games in the finished basement. This is a unique opportunity to own a fully furnished, lifestyle property in one of Ontario's most beloved waterfront communities. Thoughtfully updated with quality finishes and stylish décor, this compact & efficient home offers easy, low-maintenance living in an unbeatable location. Just steps from the West Beach Boardwalk and an easy stroll to the boutiques and restaurants Downtown, the beach, marina, museum, art gallery, library, and Cobourg's popular waterfront attractions, you'll love the convenience of this exceptional setting. Commuters will appreciate the VIA Rail station just a few blocks away, with Toronto only 100 km away. Whether you're searching for a starter home, a carefree retirement retreat, a weekend escape, or an excellent investment or guest rental near the beach, this property is highly suitable!The inviting living room opens through sliding glass doors to a private deck featuring a built-in hot tub, surrounded by privacy fencing-perfect for relaxing or entertaining. The finished basement maximizes every square foot with a home office, laundry area, and your very own arcade games room plus utility and storage room. Newer furnace, rented A/C unit. Significant updates recently and all furnishings, light fixures and window treatments carefully selected for style and ambience, this lovely retreat style home blends character with modern comfort. Surrounded by privacy trees, fully fenced and with the deck and built-in hot tub, there is nothing left to do but move in and relax.

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Property Summary

This detached home located at 182 Durham Street, Cobourg is currently for sale and has been available on SousaSells for 3 days. This property is listed at $484,000 with an estimated mortgage of $1,611* per month. It has 2 beds, 1 bathroom, and is < 700 square feet. 182 Durham Street, Cobourg is in the Cobourg neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Living Area
< 700 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/13/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeSemi-Detached
Architectural StyleBungalow
ConstructionAluminum Siding
BasementFinished
Lot Size26.45 × 58.47 Feet
CountyNorthumberland
Annual Tax$3,063.6
Legal DescriptionPART OF LT 15 BLK H PL CADDY (FORMERLY LT 18 CON B HAMILTON) BEING PT 2 ON PL 39R-14441; COBOURG

Parking & Garage

Parking Spaces0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Fenced Yard, Library, Public Transit, School, School Bus Route, Wooded/Treed

Interior Features

Carpet Free

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

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Location

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182 Durham 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 182 Durham Street, Cobourg, ON K9A 3H6

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 Rate4.00%
Down Payment$145,200 (30.0%)
* Minimum Canadian down payment required for this price is $24,200.
Amortization Period30 Years
Estimated Monthly Payment$1,611Based on a loan of $338,800 over 30 years.
Purchase Price$484,000
Loan Amount$338,800
Provincial Land Transfer Tax:$6,155
Total Estimated Closing Taxes:$6,155

About Purchasing a Home in Cobourg, ON

For a property listed at $484,000 in Cobourg, the legal minimum down payment is $24,200 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 $6,155 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 $6,155.

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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$776,908

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
St. Joseph
Catholic919 D'Arcy Street, Cobourg, Ontario, K9A 4B4
3.6
C R Gummow
Public311 Cottesmore Avenue, Cobourg, Ontario, K9A 4E3
5.9
Terry Fox
Public1065 Riddell Avenue, Cobourg, Ontario, K9A 5N4
7.3

Secondary Schools

St. Mary
Catholic1050 Birchwood Trail, Cobourg, Ontario, K9A 5S9
7.1
Cobourg
Public335 King Street East, Cobourg, Ontario, K9A 1M2
5.6

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.