$1,325,000
Est. payment $5,867/moCalculate yours
354 College Street, Cobourg, ON K9A 3V6
Cobourg, Cobourg, ON K9A 3V6
- 5 Beds
- 3 Baths
- 2,500 Sq Ft
Listing courtesy of Re/Max Hallmark First Group Realty Ltd. MLS® X13863766
About this home
Main-floor living, a private garden retreat & a separate, detached studio, just blocks from downtown Cobourg, waterfront trails and the beach! The Hough House, c.1867, pairs historic character with thoughtful updates, offering 5 bedrooms & 3 baths with flexibility for family, guests & working from home. The main-floor primary suite features dual walk-in closets with custom built-ins, dedicated 2-in-1 laundry machine & a luxury 3pc ensuite with heated floors, glass shower and custom storage. Direct access to a secluded hot tub deck from the primary creates a quiet place to unwind. At the heart of the home, the custom eat-in kitchen combines premium appliances, quartz counters, a generous centre island, built-in pantry & gas fireplace with views of the private courtyard as well as a walkout to the back yard. A formal dining room & formal living room combination form inviting spaces to gather, while the main floor family room is the perfect place to retreat. A south facing mudroom entry offers heated herringbone tile, built in fridge & impressive custom storage. Upstairs, four bedrooms with custom closets, an additional stackable laundry area & a beautifully finished 5pc bath with curbless shower, marble-topped vanity, toe-kick lighting & reeded soaker tub accommodate family & overnight guests. Outside, the south-facing courtyard is ready for dining & entertaining with a built-in gas BBQ & integrated speakers. Perennial gardens, flagstone paths & landscape lighting extend the experience into the private backyard. A detached approx. 492 sq. ft. studio/workshop, equipped with a heat pump, electric heat & wood stove, offers space for creative work, hobbies or an office separate from the house. Capital improvements include windows, doors, plumbing, electrical, insulation, roofing, decking & lighting. A distinctive combination of downtown convenience, main-floor comfort & space to make your own.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Size
- 2,500 sqft
Interior
- Bedrooms
- 5
- Bathrooms
- 3
- Kitchens
- 1
- Basement
- Partial Basement, Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Wood
- Foundation
- Concrete, Stone
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 66 x 165 Feet
- Parking
- None garage · 2 total
Financial
- Property Taxes
- $5,990 (2026)
Location
- Neighbourhood
- Cobourg
- Cross Street
- Division St & University Ave E
- Direction Faces
- East
Listing
- MLS® Number
- X13863766
- Days on Market
- 13
- Listed On
- 2026-10-05
- Possession
- TBD
- Listed By
- Re/Max Hallmark First Group Realty Ltd.
Rooms
Features
Interior
- Other
- Primary Bedroom - Main Floor
- Sump Pump
Pool
- None
- Included
- Window Coverings, Bathroom Mirrors, Garage Wine Fridge, Garage Work Bench/Shelving, Gas BBQ, Hot Tub, Outdoor Speakers, Built In Speakers Indoors, Firewood in Garage, Basement Shelving, Kitchen Fridge, Stove, Dishwasher, Hood Fan, 2 in 1 Washer/Dryer, Stackable Washer & Dryer
- Excluded
- Speaker Amp + Sonos Box, Apple TV Components
- Rental items
- Hot Water Tank
Mortgage calculator
Estimated mortgage payment
$5,867 per month
- Principal and interest
- $5,867
- Property tax
- $499
- Condo fees
- $0
- Estimated monthly cost
- $6,366
Your mortgage
- Mortgage amount
- $1,060,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $700,044
Cash to close
- Down payment
- $265,000
- Land transfer tax
- $22,975
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $287,975
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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