$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
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
Estimated mortgage payment
$2,829 per month
- Principal and interest
- $2,829
- Property tax
- $355
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $137,055
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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