670 William Street, Cobourg, ON

$1,000,000
MLS#:X13506492
4 beds
2 baths
1100-1500 sqft
10.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $1,000,000 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 1100-1500 sqft on a premium 163.06 x 2.11 ft lot
  • Features a apartment, full, separate entrance, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 10.0 total parking spaces available with a convenient carport configuration
  • Notable attributes: Accessory Apartment, Primary Bedroom - Main Floor, Storage
  • equipped with central air central cooling and highly efficient forced air heating via propane

Description

Escape to your own private nature oasis with this rare-zoned property that owns into a beautiful, sparkling creek filled with trout and salmon & surrounded by forest. A classic & well-maintained 3+1BR, 2Bath bungalow is home, tucked away on (approx.) 2 park-like acres! A dream come true for nature lovers, families as well as for any who wish to have a workshop for hobbies or a business onsite. The home features a great main floor living layout (1,391 sq ft) with upgraded kitchen. A large living room picture window shows off gorgeous greenspace views of your manicured grounds, forest. The fully finished lower level offers1,391 sq ft of living space, with a stone wall surrounding a Gas Fireplace. Perfect space for a guest unit, in-law suite, or multi-family living. Step outside to a large Carport over a concrete slab, ideal for parking or hosting covered outdoor patios & family BBQs. Adjacent to a large Conservation Park, your land owns well into the Cobourg Creek that runs along the NW perimeter & the land is protected by old growth Forest for privacy. A Detached workshop zoned for Industrial or Commercial is located on the south side of the property with William St visibility - currently rented by a fabulous artisan carver. This versatile building workshop is the ultimate setup for your heavy hobbies, a home business, or potentially converting into a second garden suite residence (based on town approvals.) This property has many zonings included Development (May be able to convert to a specific zoning use depending on what you seek to develop, as per town zoning requirements.) Enjoy a flat, tree-surrounded sanctuary that features full city water, sewer, hydro, and high-speed internet with multiple zoning! Located in a growing town just 100 km from Toronto with easy access to public transit, VIA Rail, and Highways 401/407. Live, work, and play in a one-of-a-kind property offering endless space, flexibility, and long-term family or investment value.

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
2
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/29/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementApartment, Full, Separate Entrance, Finished
Lot Size163.06 × 2.11 Feet
CountyNorthumberland
Annual Tax$5,886.76
Legal DescriptionON A PT LOT 20 BLK 7 PT LOT 4 LOTS 5 & 6 GATEWAY ALLOW PT LOTS 2 & 3

Parking & Garage

Parking Spaces10.0
Garage Spaces10
Garage TypeCarport

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Accessory Apartment, Primary Bedroom - Main Floor, Storage

Security Features

Community Features

Location

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670 William 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 670 William Street, Cobourg, ON K9A 3A5

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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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 Rate5.25%
Down Payment$200,000 (20.0%)
* Minimum Canadian down payment required for this price is $200,000.
Amortization Period25 Years
Estimated Monthly Payment$4,767Based on a loan of $800,000 over 25 years.
Purchase Price$1,000,000
Loan Amount$800,000
Provincial Land Transfer Tax:$16,475
Total Estimated Closing Taxes:$16,475

About Purchasing a Home in Cobourg, ON

For a property listed at $1,000,000 in Cobourg, the legal minimum down payment is $200,000 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 $16,475 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 $16,475.

Nearby Listings

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No current listings found in Cobourg.

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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$769,893

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
C R Gummow
Public311 Cottesmore Avenue, Cobourg, Ontario, K9A 4E3
5.9
St. Joseph
Catholic919 D'Arcy Street, Cobourg, Ontario, K9A 4B4
3.6
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

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.