$650,000
Est. payment $2,878/moCalculate yours
44 James Street W, Cobourg, ON K9A 2J9
Cobourg, Cobourg, ON K9A 2J9
- 3 Beds
- 2 Baths
- 1 Garage
- 2,000 Sq Ft
Listing courtesy of RE/MAX HALLMARK FIRST GROUP REALTY LTD. MLS® X13885024
About this home
Character and history fill this red brick home, ideally located moments from Lake Ontario and downtown shops, restaurants, and markets. Offering a family-friendly layout, detached garage, and private backyard, this home blends timeless charm with thoughtful updates. A bright, open foyer welcomes guests and leads into the inviting front living room, featuring a cozy fireplace and charming window nook. The living room flows seamlessly into the spacious family and dining rooms, where a bay window fills the carpet-free space with natural light. The updated kitchen offers ample cabinetry and counter space, stainless steel appliances, a large window overlooking the double undermount sink, and a tin tile-style backsplash. A full bathroom and convenient mudroom with abundant storage complete the main level. Upstairs, three well-appointed bedrooms offer ample closet space, with one bedroom enjoying a walkout to the balcony. An updated, sun-filled bathroom with a separate tub and glass shower enclosure, plus a convenient laundry room, add everyday functionality to the upper level. Outside, the private fenced backyard offers a peaceful retreat, with an elevated deck ideal for al fresco dining and a patio perfect for entertaining or quiet evenings under the stars. Just moments from downtown amenities, Cobourg Beach, and convenient 401 access, this character-filled home offers the perfect place to put down roots in Northumberland County.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Size
- 2,000 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Full, Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- None
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 45 x 84.06 Feet
- Parking
- Detached garage · 4 total
- Zoning
- R3
Financial
- Property Taxes
- $4,430 (2026)
Location
- Neighbourhood
- Cobourg
- Cross Street
- James St W & George St
- Direction Faces
- North
Listing
- MLS® Number
- X13885024
- Days on Market
- 8
- Listed On
- 2026-10-10
- Possession
- TBD
- Listed By
- RE/MAX HALLMARK FIRST GROUP REALTY LTD.
Rooms
Features
Interior
- Other
Pool
- None
- Rental items
- Hot Water Heater.
Mortgage calculator
Estimated mortgage payment
$2,878 per month
- Principal and interest
- $2,878
- Property tax
- $369
- Condo fees
- $0
- Estimated monthly cost
- $3,247
Your mortgage
- Mortgage amount
- $520,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $343,418
Cash to close
- Down payment
- $130,000
- Land transfer tax
- $9,475
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $139,475
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
This photo could not be loaded.