$650,000

For sale

44 James Street West, Cobourg - Single Family for Sale

44 James Street West, Cobourg, Ontario, K9A2J9

3 beds2 baths4 parking2,250 ft²45 × 84 ft (3,784 sq ft) lot sizeListed 27 days ago

Overview

This 3-bedroom, 2-bathroom home in Cobourg is for sale offering roughly 2,250 sq ft of space. Listed at $650,000, it is attractively priced about 10% below the $724,900 median asking price in Cobourg. It has been on the market 27 days, fresher than the Cobourg average of 80 days.

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Description

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. (id:66096)

Property Details

MLS®: X13885024
Property Type: Single Family
Zoning: R3
Bedrooms: 3
Beds (above / below): 3 above · 0 below
Bathrooms: 2
Parking: 4
Interior Size: 2,250 ft²
Lot Size: 45 × 84 ft (3,784 sq ft)
Frontage: 45 ft
Storeys: 2
Basement: Unfinished, Full
Heating: Forced air, Natural gas
Cooling: None
Garage: Detached Garage, Garage
Fireplace: Yes
Ownership: Freehold
Property Tax

Rooms

Main level

Sitting room: 4.36 x 4.05 meters
Living room: 4.86 x 3.64 meters
Dining room: 3.62 x 4.13 meters
Kitchen: 5.3 x 3.45 meters
Bathroom: 1.89 x 1.53 meters
Mud room: 3.04 x 2.64 meters

Upper Level

Laundry room: 1.89 x 2.11 meters
Primary Bedroom: 4.75 x 3.56 meters
Bathroom: 1.89 x 4.63 meters
Bedroom 2: 4.21 x 3.64 meters

Features

Foundation: Unknown
Exterior: Brick

Services

Water: Municipal water
Sewer: Sanitary sewer
Utilities: Sewer, Electricity

Features and services as supplied by the listing brokerage.

Market Timing

Days on market

27d

Cobourg listings, avg age

80d

Price / ft²

$289

List price

$650K

Homes here sell close to asking price

Homes in this market sold for an average of 97.6 percent of their asking price over the past year, above the 96.4 percent median across the markets we publish.

Haho

This 3-bed single family in Cobourg has been listed for 27 days, which is 53 days fresher than the city average of 80. Act while there is still low competition.

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Listed by RE/MAX HALLMARK FIRST GROUP REALTY LTD. · JACQUELINE PENNINGTON

Location

Approximate location — exact address confirmed upon showing

Nearby Places

Area context

Neighbourhood profile (K9A)

This home lists at $650,000, about 7.9× the local median household income of $82,000.

Carrying it typically needs a household income of about $126,968 (20% down, 25-yr amortization, stress-tested) — roughly 55% above the area median.

Median household income: $82,000
Population: 26,757
Median age: 53.2
Owner / renter: 74% / 26%
Avg. household size: 2.3

Source: Statistics Canada, 2021 Census (FSA K9A)

$650,000· $289/ft²

For sale

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Full Cost Breakdown

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Down Payment6.15% · $40,000

Min 6.15%50%

Mortgage payment$3,382/mo

↳ CMHC premium ($24,400 capitalized)

Property tax (est.)$369/mo

Total monthly$3,751

Cash Needed to Close

Down payment (6.15%)$40,000

Land transfer tax$9,475

Est. closing costs$4,450

Total cash needed$53,925

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