2 Cowley Street, Whitewater Region, ON

$539,000
MLS#:X12935142
3 beds
1 baths
1100-1500 sqft
6.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of 582 - Cobden. Expertly crafted featuring premium aluminum siding and vinyl siding construction, this residence presents an exceptional opportunity offered at $539,000 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 1 Bathroom
  • Generous living space spanning 1100-1500 sqft on a premium 60 x 195 ft lot
  • Features a walk-out, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Rough-In Bath, Water Heater Owned, Workbench
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Rare waterfront opportunity in the heart of Cobden! This affordable 3 Bedroom waterfront home on double lot is perfectly positioned on the shores of Muskrat Lake, offering a sophisticated blend of modern open-concept living and breathtaking natural views. The main level is designed for effortless connection, featuring vaulted ceilings and a bright, airy kitchen and dining area that flows seamlessly into the living space, all framed by oversized triple-glazed windows. For year-round relaxation, the enclosed three-season sun porch provides a tranquil spot to enjoy the water views regardless of the weather. Primary bedroom offers views of the lake and custom closets. The lower level of this home is where functionality meets untapped potential. It features a massive, integrated two-bay garage and workshop with plenty of depth for vehicles,and seasonal lake toys, allowing for convenient, sheltered access directly into the home's lower level. Adjacent to the garage, the bright walkout basement serves as an incredible blank canvas awaiting your personal touch. With high ceilings and a direct walkout to the lakeside yard, this space offers the rare chance to double your finished living area-perfect for a familyroom, 2nd bathroom, a sprawling family media room, or a home gym. Laundry is located on main floor.This property offers the unique advantage of lakefront privacy combined with incredible "in-town" convenience, situated just steps from local restaurants and shop Direct access to the expansive lakeside park that features a bandstand, gazebo, children' s playground. Perfect spot to enjoy picnics and concerts on Sunday afternoons.The beach and boat launch are just a short stroll away.Perfect side yard for family activities.For commuters, quick access to Highway 417 ensures a smooth connection to Ottawa and surrounding areas. This is a rare chance to own a modern waterfront retreat that balances small-town charm with endless future potential. Thirty-six hour irrevocable.

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Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateApril 9, 2026
Sold price information is available to members only
Listed Date3/26/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionAluminum Siding, Vinyl Siding
BasementWalk-Out, Partially Finished
Lot Size60 × 195 Feet
CountyRenfrew
Annual Tax$3,663
Legal DescriptionPT LOTS 475 & 476; PL 65; PT BLK D; PL 65; ALL AS IN R81921;VILLAGE OF COBDEN

Parking & Garage

Parking Spaces6.0
Garage Spaces4
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Waterfront

Interior Features

Rough-In Bath, Water Heater Owned, Workbench

Security Features

Community Features

Location

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2 Cowley Street, Whitewater Region, 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 2 Cowley Street, Whitewater Region, ON K0J 1K0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Whitewater Region.

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Interest Rate5.25%
Down Payment$28,900 (5.4%)
* Minimum Canadian down payment required for this price is $28,900.
Amortization Period25 Years
Estimated Monthly Payment$3,040Based on a loan of $510,100 over 25 years.
Purchase Price$539,000
Loan Amount$510,100
Provincial Land Transfer Tax:$7,255
Total Estimated Closing Taxes:$7,255

About Purchasing a Home in Whitewater Region, ON

For a property listed at $539,000 in Whitewater Region, the legal minimum down payment is $28,900 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 $7,255 for this transaction. As this listing is in Whitewater Region (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $7,255.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Whitewater Region.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$482,605

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

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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.