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$490K · 2 bed Condo Apartment · Unit 103, 845 Smith Road, Cobourg, Ontario K9A 0C2 | HomeSearchCanada

$489,900

Unit 103

1 DOM

221d

Map

NEW 12 HRS AGO

DOM 1

$489,900

DOM1day

Unit 103

845 Smith Road · Cobourg · Ontario K9A 0C2

MLS® X13593410 · Cobourg · K9A 0C2

22OwnerOccupied900-999 ft²Condo Apartment1-car DetachedNo basement1d$516/ft²$3,559 tax/yrNo basement

1 day on market

About this home

Some homes simply make life feel a little easier, and this is one of them. Located in Cobourg's sought-after New Amherst neighbourhood, this bright and beautifully maintained 2-bedroom, 2-bathroom condo offers the kind of low-maintenance lifestyle that's easy to appreciate. Whether you're heading downtown for dinner, walking the nearby trails, or spending the afternoon at the beach, everything that makes Cobourg special is just minutes away. Inside, the space feels open, comfortable, and full of…

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Property details

MLS#: X13593410
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 8
Kitchens: 1
Size: 900-999Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Multi-Level
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 2 pc · Main; 4 pc · Main
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Condo corp #: 60
Balcony: Open
Locker: Owned
Fees include: Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Detached
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Other
Fireplaces: —
Waterfront: No
Exterior: Vinyl Siding
Fronting on: —
Cross street: Carlisle St & Smith St
Stories: 2
Utilities: —
Laundry: Ensuite
Interior: None
Parking features: —

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: RE/MAX Rouge River Realty Ltd.

Source: TRREB/PROPTX · MLS® X13593410

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$490K

Unit 103 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $489,900✓ $3,559 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,520/mo

incl. closing costs (yr 1)

Annual total

$54,243

year 1

Mortgage only

$1,859/mo

principal + interest

Beyond mortgage

$1,681/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$97,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$297/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%$4,899/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)$45/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $22,302/yr

Property taxes18% $9,832/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,899/yr

Condo fees12% $6,549/yr

Closing costs9% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,302	$1,859/mo
Government & taxes
Property tax	$3,559	$297/mo
Land transfer tax(closing)	$6,273	$523/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%)	$4,899	$408/mo
Condo fees
Condo / HOA fees	$6,549	$546/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	$54,243	$4,520/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 103

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs