$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
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
Estimated mortgage payment
$3,493 per month
- Principal and interest
- $3,493
- Property tax
- $341
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $170,033
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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