$899,950
↓ $49,050 from $949,000
Est. payment $3,985/moCalculate yours
96 James Street W, Cobourg, ON K9A 2K2
Cobourg, Cobourg, ON K9A 2K2
- 4 + 1 Beds
- 3 Baths
- 1 Garage
- 2,000 Sq Ft
Listing courtesy of REAL ESTATE HOMEWARD MLS® X13751616
About this home
Nestled in the heart of Cobourg’s coveted Heritage District, this stunning brick Craftsman-Style Four Square home is a timeless blend of historic charm and thoughtful modern updates. Rich in character and beautifully maintained, the home showcases gleaming hardwood floors, exquisite original wood trim, leaded glass details, and all the treasured architectural features that have been lovingly preserved throughout the years.At the heart of the home is a spectacular custom Kingsmill kitchen, thoughtfully designed with premium Fisher & Paykel appliances, refined finishes, and exceptional functionality for everyday living and entertaining alike. The spacious main floor also offers a welcoming family room and convenient 2-piece powder room.Upstairs, the home features four generous bedrooms filled with warmth, natural light, and enduring character. An additional unfinished attic space complete with its own designated staircase from the second floor, presents incredible potential for future living space, a studio, or artist studio or retreat.The bright and inviting one-bedroom basement apartment with separate entrance offers excellent in-law or income potential.Perfectly situated within walking distance to Cobourg’s vibrant downtown core, boutique shopping, restaurants, and cafés, this exceptional property is also just minutes from the white sands of Victoria Beach and Cobourg’s world-class marina - the ultimate summer destination. Conveniently located only 15 minutes to Trinity College School, this is a rare opportunity to own a truly distinguished character home in one of Cobourg’s most desirable neighbourhoods.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- Price Change
- Size
- 2,000 sqft
Interior
- Bedrooms
- 4 + 1
- Bathrooms
- 3
- Kitchens
- 2
- Basement
- Finished with Walk-Out
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- None
- Exterior
- Brick
- Foundation
- Brick, Stone
- Roof
- Shingles
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 58 x 96 Feet
- Parking
- Detached garage · 5 total
Financial
- Property Taxes
- $5,523 (2025)
Location
- Neighbourhood
- Cobourg
- Cross Street
- James St W and Bond
- Direction Faces
- North
Listing
- MLS® Number
- X13751616
- Days on Market
- 40
- Listed On
- 2026-09-08
- Possession
- TBD
- Listed By
- REAL ESTATE HOMEWARD
Rooms
Features
Interior
- Accessory Apartment
Pool
- None
- Included
- Inclusions:Main Floor: B/I Fridge, stove, microwave, range hood, dishwasher, gas fireplace, all light fixtures, dining room Bay window curtain rod.Lower level: Fridge, stove, dryer/range hood/microwave.2nd floor, ceiling fans, California shutters. New roof 2024.
- Excluded
- Barn quilt on garage, curtains and curtain rods, main bathroom mirror, blink doorbell, coat rack hook in sunroom, electric fireplace in family room, art installation on front porch, plant shelf in family room.
- Rental items
- None
Mortgage calculator
Estimated mortgage payment
$3,985 per month
- Principal and interest
- $3,985
- Property tax
- $460
- Condo fees
- $0
- Estimated monthly cost
- $4,445
Your mortgage
- Mortgage amount
- $719,960
- Mortgage insurance
- Not needed
- Interest over 25 years
- $475,475
Cash to close
- Down payment
- $179,990
- Land transfer tax
- $14,474
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $194,464
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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