$1,599,900
Est. payment $7,084/moCalculate yours
138 Bagot Street, Cobourg, ON K9A 3G1
Cobourg, Cobourg, ON K9A 3G1
- 4 Beds
- 4 Baths
- 2 Garage
- 3,500 Sq Ft
Listing courtesy of Homesmiths Real Estate Ltd. MLS® X13809500
About this home
Centrally located in Cobourg’s Heritage District, 138 Bagot Street, the William McDougall House, circa 1875, is a distinguished example of Victorian architecture and the craftsmanship of its era. Sweeping gables, Gothic windows, intricate finials and an inviting front porch framed by ornate Victorian fretwork and gingerbread detailing create an exceptional architectural presence. Inside, the classic centre-hall plan begins with a generous foyer flanked by beautifully proportioned principal rooms. The grand front living room features pristine hardwood floors preserved beneath loose-lay broadloom, an original fireplace and south-facing bay window. A formal parlour with hardwood floors and second fireplace leads to a separate dining room with a third fireplace, ideal for entertaining. The updated kitchen features a generous island, granite countertops and breakfast area with walkout to the covered rear porch. Beyond lies a private, fully fenced yard surrounded by mature trees and perennial gardens, with cabana/potting shed and in-ground pool creating an exceptional backyard retreat. The original staircase leads to three spacious bedrooms, two further fireplaces and a full bath with traditional soaker tub. An office, flex space or fourth bedroom adds versatility, while the former help’s quarters, complete with second staircase, includes a three-piece bath, fifth bedroom and sunroom - ideal for guests, extended family or live-in assistance. A two-car garage and ample parking add practicality. High-efficiency systems include a natural gas-fired boiler and fully ducted attic-installed air conditioning. Throughout, the home retains an impressive collection of original details, including deep baseboards, original trim and crown moulding, intricate plasterwork and more. A rare balance of Victorian architecture, preserved character and contemporary comfort, just steps from the beach and boardwalk and minutes from downtown Cobourg’s shops, restaurants and amenities.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 100+
- Size
- 3,500 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 4
- Kitchens
- 1
- Basement
- Unfinished
Building & Systems
- Heating
- Radiant (Gas)
- Cooling
- Central Air
- Exterior
- Brick, Other
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 128.34 x 139.79 Feet
- Parking
- Detached garage · 6 total
Financial
- Property Taxes
- $8,913 (2025)
Location
- Neighbourhood
- Cobourg
- Cross Street
- Bagot St/King St W
- Direction Faces
- East
Listing
- MLS® Number
- X13809500
- Days on Market
- 27
- Listed On
- 2026-09-21
- Possession
- Flexible
- Listed By
- Homesmiths Real Estate Ltd.
Rooms
Features
Interior
- Built-In Oven
- Central Vacuum
- In-Law Capability
- On Demand Water Heater
Property
- Beach
- Fenced Yard
- Hospital
- Level
- Lake/Pond
Pool
- Inground
Mortgage calculator
Estimated mortgage payment
$7,084 per month
- Principal and interest
- $7,084
- Property tax
- $743
- Condo fees
- $0
- Estimated monthly cost
- $7,827
Your mortgage
- Mortgage amount
- $1,279,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $845,283
Cash to close
- Down payment
- $319,980
- Land transfer tax
- $28,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $348,453
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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