Gurvinder Nokwal REALTOR®
For Sale Detached 8 days on market

$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

Room Level Dimensions
Other Basement 26′ 6″ × 23′ 7″
Sitting Main 14′ 4″ × 13′ 3″
Laundry Upper 6′ 2″ × 6′ 11″
Bedroom 3 Upper 12′ 6″ × 11′ 4″
Primary Bedroom Upper 15′ 7″ × 11′ 8″
Bathroom Main 6′ 2″ × 5′ 0″
Utility Room Basement 17′ 5″ × 12′ 0″
Other Basement 6′ 2″ × 11′ 8″
Bedroom 2 Upper 13′ 10″ × 11′ 11″
Kitchen Main 17′ 5″ × 11′ 4″
Dining Room Main 11′ 11″ × 13′ 7″
Bathroom Upper 6′ 2″ × 15′ 2″
Living Room Main 15′ 11″ × 11′ 11″
Mud Room Main 10′ 0″ × 8′ 8″

Features

Interior

  • Other

Pool

  • None
Rental items
Hot Water Heater.

Mortgage calculator

Minimum for this price: $40,000 (6.15%)

Amortization, years

Estimated mortgage payment

$2,878 per month

Principal and interest
$2,878
Property tax
$369
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
Total, before legal fees
$139,475
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

44 James Street W, Cobourg, ON K9A 2J9 Cobourg, Cobourg, ON K9A 2J9
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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).

$650,000 44 James Street W, Cobourg, ON K9A 2J9
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