$629K · 2 bed Condo Apartment · Unit 403, 107 Marisa Lane, Cobourg, Ontario K9A 5N6

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About this home

First time offered for sale and recently refreshed, Unit 403 at 107 Marisa Lane is a top-floor, 2-bedroom, 2-bathroom condo in the heart of the coveted Cobourg marina neighbourhood with views of Lake Ontario. Condo living that actually feels like home. Beautiful arched windows bring in plenty of natural light, and the gas fireplace in the living room adds warmth and a sense of coziness. A private outdoor patio off the kitchen is a lovely spot to sit and watch the world go by. The layout is pract…

Property details

MLS#

X12896768

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Apartment

Type

Condo Apartment

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Partial
Washrooms: 4 pc · Main; 3 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Roof: Asphalt Shingle
Foundation: Unknown
Property features: Arts Centre, Beach, Golf, Hospital, Lake/Pond, Marina

Fireplace features: Natural Gas

View: Lake, Park/Greenbelt

Condo corp #: 23
Balcony: Terrace
Locker: None
Association amenities: Elevator
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick · Controlled Entry, Patio
Fronting on: —
Cross street: SEE MAP
Stories: 4
Utilities: —
Laundry: In-Suite Laundry
Interior: Primary Bedroom - Main Floor
Parking features: Mutual

Price movement & seller pressure

↓ $20KPrice reduction

MLS shows the seller reduced the asking price by $20,000 (from $649,000 to $629,000).

Motivated SellerWhy this label

171 days on market — Listing has been active for 171 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $629,000✓ $4,716 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,703/mo

incl. closing costs (yr 1)

Annual total

$68,439

year 1

Mortgage only

$2,386/mo

principal + interest

Beyond mortgage

$2,104/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$125,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$393/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$6,290/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$63/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $28,635/yr

Property taxes20% $13,771/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,290/yr

Condo fees13% $9,083/yr

Closing costs7% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$28,635	$2,386/mo
Government & taxes
Property tax	$4,716	$393/mo
Land transfer tax(closing)	$9,055	$755/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,290	$524/mo
Condo fees
Condo / HOA fees	$9,083	$757/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$68,439	$5,703/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 403

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs