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$650K · 2 bed Common Element Condo · Cobourg, Cobourg | MyPropertyScout

$649,900

Unit #407

22OwnerOccupied

Map

$649,900

F●●●○○

Unit #407

Harbour Breeze Conominiums · 135 Orr Street · Cobourg · Ontario K9A 0J6

MLS® X13047960 · Cobourg · K9A 0J6

22OwnerOccupied1200-1399 ft²Common Element Condo1-car Underground$500/ft²$8,380 tax/yr

19% above market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Welcome to 135 Orr Street, Unit 407, in the charming lakeside community of Cobourg. Ideally located just minutes from the renowned Cobourg Beach, Harbour front Marina, and the vibrant shops and restaurants of downtown, this exceptional residence offers the perfect blend of convenience and lifestyle. This beautifully maintained, north-facing unit showcases true pride of ownership and is filled with natural light throughout. The custom-designed kitchen features stainless steel appliances, ample ca…

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Property details

MLS#: X13047960
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1200-1399
Style: Apartment
Type: Common Element Condo
Year built: —

Property features: Beach, Campground, Hospital, Lake Access, Lake/Pond, Marina

Building name: Harbour Breeze Conominiums
Condo corp #: 95
Balcony: Open
Locker: Exclusive
Association amenities: Elevator, Party Room/Meeting Room
Fees include: Common Elements Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick · Patio, Porch
Fronting on: —
Cross street: Orr St/Hibernia St
Basement: None
Stories: 4
Utilities: —
Laundry: In-Suite Laundry, Laundry Closet
Interior: Auto Garage Door Remote, Intercom, Primary Bedroom - Main Floor, Storage Area Lockers, Carpet Free
Parking features: Covered, Underground, Reserved/Assigned

Rooms

Level	Room	Dimensions
Main	Living Room	3.35m × 4.26m
Main	Kitchen	3.65m × 4.26m
Main	Primary Bedroom	3.35m × 5.48m
Main	Bedroom 2	6.01m × 3.35m
Main	Bathroom	1.44m × 2.07m
Main	Bathroom	2.05m × 2.06m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX HALLMARK EASTERN REALTY

Source: TRREB/PROPTX · MLS® X13047960

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$650K

Unit #407 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $649,900✓ $8,380 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,027/mo

incl. closing costs (yr 1)

Annual total

$72,324

year 1

Mortgage only

$2,466/mo

principal + interest

Beyond mortgage

$2,314/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$129,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$698/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$6,499/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $29,586/yr

Property taxes25% $17,853/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,499/yr

Condo fees11% $7,726/yr

Closing costs7% $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)	$29,586	$2,466/mo
Government & taxes
Property tax	$8,380	$698/mo
Land transfer tax(closing)	$9,473	$789/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%)	$6,499	$542/mo
Condo fees
Condo / HOA fees	$7,726	$644/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	$72,324	$6,027/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 #407

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs