$649,000
Est. payment $2,874/moCalculate yours
286 Morgan Street, Cobourg, ON K9A 0L4
Cobourg, Cobourg, ON K9A 0L4
- 2 Beds
- 3 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of Keller Williams Energy Real Estate MLS® X13760818
About this home
Welcome to 286 Morgan Street - a beautifully updated bungalow designed for living well, living simply, and living fully. Nestled in a quiet residential neighbourhood just minutes from downtown Cobourg, the beach, schools, and the community centre, this home offers the perfect balance of connection and calm in Cobourg. With 1,184 sq ft of thoughtfully designed main floor living, this is the kind of space that makes everyday life easier. Large windows flood the fully bricked home with natural light, while the open concept layout creates effortless flow from kitchen to living to dining - ideal for quiet mornings with coffee or evenings spent gathered with friends. The kitchen is both stylish and functional, featuring quartz counters, upgraded cabinetry, and a premium gas range that invites you to slow down and enjoy cooking again. Luxury vinyl floors add warmth and durability, while the main floor fireplace creates a cozy focal point for relaxed nights in. The primary suite feels like a true retreat, complete with a generous walk-in closet and easy access to a well appointed bathroom. A second bedroom offers flexibility - guest room, office, or space for family - while main floor laundry with added storage keeps everything convenient and within reach. Downstairs, the finished lower level expands your lifestyle possibilities. A large open recreation space with its own fireplace offers room for movie nights, hobbies, visiting family, or a quiet escape. The additional two piece bath and large storage room ensure everything has its place. Step outside and enjoy a fully fenced backyard designed for low maintenance living. The landscaped setting, composite deck, and hot tub create a welcoming space for summer evenings, casual entertaining, or simply relaxing at the end of the day. It’s a backyard that offers enjoyment without the burden of heavy upkeep - ideal for those prioritizing ease and lifestyle over yard work.
Property details
Overview
- Property Type
- Semi-Detached
- Style
- Bungalow
- For
- For Sale
- Status
- Sold Conditional Escape
- Size
- 1,100 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 3
- Kitchens
- 1
- Basement
- Full, Finished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 30.31 x 101.71 Feet
- Parking
- Attached garage · 2 total
Financial
- Property Taxes
- $4,842 (2026)
Location
- Neighbourhood
- Cobourg
- Cross Street
- Brook Rd N & Stirling Way
- Direction Faces
- East
Listing
- MLS® Number
- X13760818
- Days on Market
- 39
- Listed On
- 2026-09-09
- Possession
- Flexible
- Listed By
- Keller Williams Energy Real Estate
Rooms
Features
Interior
- Air Exchanger
- Primary Bedroom - Main Floor
Property
- Beach
- Hospital
- Lake/Pond
- Park
- Rec./Commun.Centre
- School
Pool
- None
- Included
- Existing Kitchen Appliances: Fridge, Gas Stove, Built-In Fan, Dishwasher. Interior: All Window Coverings & Blinds, All Electrical Light Fixtures, Washer & Dryer, Garage Door Opener & Remote, Basement Fridge. Exterior: Hot Tub.
- Excluded
- Stand Up Freezer in Basement
- Rental items
- Hot Water Tank
Mortgage calculator
Estimated mortgage payment
$2,874 per month
- Principal and interest
- $2,874
- Property tax
- $404
- Condo fees
- $0
- Estimated monthly cost
- $3,277
Your mortgage
- Mortgage amount
- $519,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $342,889
Cash to close
- Down payment
- $129,800
- Land transfer tax
- $9,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $139,255
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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