Gurvinder Nokwal REALTOR®
For Sale Duplex 37 days on market

$639,000

Est. payment $2,829/moCalculate yours

463 Division Street, Cobourg, ON K9A 3S1

Cobourg, Cobourg, ON K9A 3S1

  • 3 Beds
  • 2 Baths
  • 1,500 Sq Ft

Listing courtesy of eXp Realty, Brokerage MLS® X13770432

About this home

A versatile opportunity in the heart of Cobourg, offering two separate living spaces just a short walk from the beach, historic downtown, and everyday amenities. The lower unit features two bedrooms, an updated kitchen, in-unit laundry, and comfortable living space, while the upper unit offers one bedroom, its own updated kitchen, and a spacious living area. With separate upper and lower accommodations, the property provides plenty of flexibility for investors, multi-generational living, or buyers looking to occupy one unit while generating income from the other. Outside, a large backyard provides additional space to relax and enjoy the property, a valuable feature in such a central location. Within walking distance of Cobourg Beach, the waterfront, downtown shops and restaurants, and everyday conveniences, this property combines location with exciting income and future potential. Whether you’re looking to expand your investment portfolio or find a home that can adapt to your lifestyle, this unique Cobourg property offers plenty of possibilities in a highly walkable location.

Property details

Overview

Property Type
Duplex
Style
2-Storey
For
For Sale
Status
New
Approximate Age
100+
Size
1,500 sqft

Interior

Bedrooms
3
Bathrooms
2
Kitchens
2
Basement
Unfinished, Partial Basement

Building & Systems

Heating
Forced Air (Gas)
Cooling
None
Exterior
Vinyl Siding
Foundation
Stone
Roof
Shingles
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
47 x 124 Feet
Parking
None garage · 3 total
Zoning
R3

Financial

Property Taxes
$4,256 (2026)

Location

Neighbourhood
Cobourg
Cross Street
Spencer St. W
Direction Faces
West

Listing

MLS® Number
X13770432
Days on Market
37
Listed On
2026-09-11
Possession
Flexible
Listed By
eXp Realty, Brokerage

Rooms

Room Level Dimensions
Kitchen Second 7′ 9″ × 12′ 9″
Bathroom Second 5′ 3″ × 11′ 0″
Bedroom 2 Main 10′ 1″ × 13′ 11″
Kitchen Main 7′ 11″ × 10′ 10″
Living Room Main 11′ 9″ × 15′ 5″
Living Room Second 15′ 11″ × 14′ 11″
Bathroom Main 7′ 9″ × 4′ 2″
Bedroom 3 Second 10′ 9″ × 11′ 0″
Primary Bedroom Main 12′ 4″ × 14′ 11″

Features

Interior

  • Carpet Free
  • In-Law Suite
  • Primary Bedroom - Main Floor
  • Storage

Property

  • Beach
  • Fenced Yard
  • Park
  • Place Of Worship
  • School

Pool

  • None
Included
Fridge x2, stove x2, microwave, porch chairs, patio table and chairs, bathroom shelf.
Excluded
Staging items.
Rental items
HWT.

Mortgage calculator

Minimum for this price: $38,900 (6.09%)

Amortization, years

Estimated mortgage payment

$2,829 per month

Principal and interest
$2,829
Property tax
$355
Estimated monthly cost
$3,184

Your mortgage

Mortgage amount
$511,200
Mortgage insurance
Not needed
Interest over 25 years
$337,606

Cash to close

Down payment
$127,800
Land transfer tax
$9,255
Total, before legal fees
$137,055
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

463 Division Street, Cobourg, ON K9A 3S1 Cobourg, Cobourg, ON K9A 3S1
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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).

$639,000 463 Division Street, Cobourg, ON K9A 3S1
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