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$689,900
DOM60days135 Orr Street · Cobourg · Ontario K9A 0J6
60 days on market
Welcome to Harbour Breeze, where sophisticated luxury and lakeside living come together in the heart of downtown Cobourg. This exceptional sun-filled corner suite offers 1,179 sq. ft. of beautifully appointed living space, enhanced by expansive windows on two sides that flood the home with natural light throughout the day. Designed with elegance and comfort in mind, the open-concept layout showcases soaring 9-foot ceilings, engineered hardwood flooring, and premium finishes throughout. The chef…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
No price-drop or motivated-seller signals detected from MLS data we track on this listing.
Property history
Comparable sales
Brokered by: Royal Heritage Realty Ltd.
Source: TRREB/PROPTX · MLS® X13414752
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $31,407 | $2,617/mo |
| Government & taxes | ||
| Property tax | $7,263 | $605/mo |
| Land transfer tax(closing) | $10,273 | $856/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%) | $6,899 | $575/mo |
| Condo fees | ||
| Condo / HOA fees | $6,803 | $567/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 | $73,306 | $6,109/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.