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$520K · 2 bed Condo Apartment · Cobourg, Cobourg | MyPropertyScout

$519,900

Unit 215

43 DOM

2243d

Map

DOM 43

↓ $19KWaterfront

$519,900

↓ $19K

DOM43days

Unit 215

145 Third Street · Cobourg · Ontario K9A 5X1

MLS® X13417336 · Cobourg · K9A 5X1

22Vacant900-999 ft²Condo Apartment1-car UndergroundNo basement43d$548/ft²$4,483 tax/yrNo basement

43 days on market

About this home

Enjoy the very best of Cobourg's waterfront lifestyle just steps from the lake, marina, beach, and vibrant downtown core. Morning walks along the harbour, afternoons at Victoria Park beach, boating from the nearby marina, and evenings dining at local cafés and restaurants are all right outside your door. This sought-after location offers the perfect blend of scenic lakeside living and everyday convenience with truly low-maintenance condo living. Inside, this bright and beautifully maintained 2 b…

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Property details

MLS#: X13417336
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 5
Kitchens: 1
Size: 900-999Exact 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: Vacant
Washrooms: 3 pc; 4 pc
Family room: No
Central vacuum: No
Ensuite laundry: No

View: Water, Downtown, Lake, City

Waterfront: Yes

Condo corp #: 44
Balcony: Terrace
Locker: Exclusive
Association amenities: Party Room/Meeting Room
Fees include: Water Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Albert St & 3rd St
Stories: 2
Utilities: —
Laundry: In Bathroom
Laundry level: Main Level
Interior: Other
Parking features: —

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $19KPrice reduction

MLS shows the seller reduced the asking price by $19,100 (from $539,000 to $519,900).

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

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Re/Max Hallmark First Group Realty Ltd.

Source: TRREB/PROPTX · MLS® X13417336

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$520K

Unit 215 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $519,900✓ $4,483 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,214/mo

incl. closing costs (yr 1)

Annual total

$62,573

year 1

Mortgage only

$1,972/mo

principal + interest

Beyond mortgage

$2,211/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$103,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$374/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 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%$5,199/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)$81/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)38% $23,668/yr

Property taxes18% $11,356/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $5,199/yr

Condo fees19% $11,690/yr

Closing costs8% $5,100/yr

Mortgage is 38% of your true cost of ownership. The other 62% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$23,668	$1,972/mo
Government & taxes
Property tax	$4,483	$374/mo
Land transfer tax(closing)	$6,873	$573/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%)	$5,199	$433/mo
Condo fees
Condo / HOA fees	$11,690	$974/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	$62,573	$5,214/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 215

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs