Gurvinder Nokwal REALTOR®
For Sale Detached 16 days on market

$788,900 ↓ $30,100 from $819,000

Est. payment $3,493/moCalculate yours

108 James Street E, Cobourg, ON K9A 1H3

Cobourg, Cobourg, ON K9A 1H3

  • 3 + 1 Beds
  • 2 Baths
  • 1 Garage
  • 1,100 Sq Ft

Listing courtesy of Century 21 United Realty Inc. MLS® X13858126

About this home

PREMIER COLLEGE St & JAMES St E LOCATION! One of Cobourg’s most desired areas among Century & Vintage homes, Old growth Trees & Pretty landscaped Gardens. Stroll to Downtown shops, Victoria Park, the Beach, Marina, Yacht Club along the Lake Ontario Boardwalk & Esplanade. Enjoy the Farmer’s Market or your favourite shops & dining. A mid-century modern all-brick, well-renovated c.1958 Bungalow. 3+1BR & 2Baths. 1425 sq ft on MN FL PLUS a finished LL. *Potential for separate LL Apt. with a R/In Kitchen,1 BR, Living Room, 3pce bath, Laundry room, Inter-wired Smoke Detectors, Fire-break Drywall provide a head start. (Buyer to apply & get permits with Town). Zoned R3. Private, fenced backyard is framed by mature trees & established perennial gardens: Cherry trees, Hydrangeas, Wisteria, Roses, Honeysuckle, Clematis, Mint, Lily of the Valley. Substantial interlock patios wrap the front, side & back of home for pleasant outdoor living. This is an alluring home in a lovely setting. Large, newer windows bring soft, natural light & pretty neighbourhood views. Rooms are back! FR DRs separate Living & Dining Rooms. A separate, bright Kitchen with natural stone quartzite counters, marble flooring, custom built wood cabinetry. Original oak strip floors dramatically stained black. Carpet free. A useful Laundry closet installed for ease on MN FL by kitchen. A fully finished LL offers a spacious Rec Room, 4th BR, 3-pc Slate & Glass-Tiled Bath, R/in Kitchen & a 2nd Lndry/Storage Rm. Pot lights & luxury vinyl lam flring for a modern, clean LL space. Access from inside garage or side entrance to downstairs. A Limewash stain treatment just completed over entire brick exterior adds curb appeal & a preserving, “brick-healthy” alternative to paint. Both Decks/Stairs just stained. Single Car Inset Garage + 3-Outdoor surface parking spaces. **LL ROUGHED-IN KITCHEN VIRTUALLY STAGED TO SHOW CABINETS, SINK, APPLS.** LOCATION, UPDATES, PRIVACY PLUS POTENTIAL for SECONDARY APT UNIT.

Property details

Overview

Property Type
Detached
Style
Bungalow
For
For Sale
Status
Price Change
Approximate Age
51-99
Size
1,100 sqft

Interior

Bedrooms
3 + 1
Bathrooms
2
Kitchens
1
Total Rooms
11
Basement
Finished, Separate Entrance, Walk-Out, Walk-Up, Development Potential

Building & Systems

Heating
Water (Gas)
Cooling
None
Exterior
Brick Front
Foundation
Poured Concrete
Roof
Asphalt Shingle
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
40.45 x 128.13 Feet
Parking
Attached garage · 4 total
Zoning
R3

Financial

Property Taxes
$4,089 (2025)

Location

Neighbourhood
Cobourg
Cross Street
College St & James St E
Direction Faces
North

Listing

MLS® Number
X13858126
Days on Market
16
Listed On
2026-10-02
Possession
Immediate
Listed By
Century 21 United Realty Inc.

Rooms

Room Level Dimensions
Bathroom Main 6′ 0″ × 10′ 0″
Primary Bedroom Main 11′ 0″ × 13′ 0″
Living Room Main 13′ 0″ × 17′ 0″
Bedroom 4 Lower 9′ 0″ × 19′ 8″
Laundry Lower 11′ 0″ × 20′ 0″
Bedroom Main 10′ 0″ × 13′ 0″
Bathroom Lower 6′ 0″ × 7′ 0″
Family Room Lower 13′ 0″ × 22′ 0″
Kitchen Main 11′ 0″ × 11′ 0″
Bedroom Main 10′ 0″ × 10′ 0″

Features

Interior

  • In-Law Suite
  • Primary Bedroom - Main Floor
  • Storage
  • Upgraded Insulation
  • Water Heater Owned
  • Carpet Free

Pool

  • None
Included
$12,000.00 Hunter Douglas Retractable Wand Blinds & Cellular Shades installed 2023. Roof Shingles & Roof Vents installed 2021. Replaced all interior doors to wood shaker style. Soffit, Eaves, Downspouts replaced 2020 all aluminum. All Appls: Fridge, Stove, Vent Hood, Dishwasher, Microwave, Stackable Washer Dryer, Dryer in LL, all in as-is condition. Electric Hot Water Tank Owned 2020. All Windows & Screen Doors New 2019/2020. ESA for Electrical Panel. Updated baths, flooring, plumbing, copper wiring & Main panels for entire home in 2013. Luxury Vinyl Lam flooring & Pot Lights in LL 2021.
Excluded
S/T & T/W NC307017 TOWN OF COBOURG Driveway to west side - allows neighbour on west to drive over to their parking area but it is part owned by this Property. A 4th Parking Spot is at end of that driveway.

Mortgage calculator

Minimum for this price: $53,890 (6.83%)

Amortization, years

Estimated mortgage payment

$3,493 per month

Principal and interest
$3,493
Property tax
$341
Estimated monthly cost
$3,834

Your mortgage

Mortgage amount
$631,120
Mortgage insurance
Not needed
Interest over 25 years
$416,804

Cash to close

Down payment
$157,780
Land transfer tax
$12,253
Total, before legal fees
$170,033
Talk to me about financing

Estimates 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

108 James Street E, Cobourg, ON K9A 1H3 Cobourg, Cobourg, ON K9A 1H3
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$788,900 108 James Street E, Cobourg, ON K9A 1H3
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