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$445K · 2 bed Condo Townhouse · Cobourg, Cobourg | MyPropertyScout

$445,000

Unit 205D

21OwnerOccupied

Map

$445,000

A●●●○○

Unit 205D

Rosamond · 182 D'Arcy Street · Cobourg · Ontario K9A 5J1

MLS® X13050676 · Cobourg · K9A 5J1

21OwnerOccupied900-999 ft²Condo TownhouseNone$469/ft²$2,490 tax/yrBuilt 198541 yrs old

11% below market

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

About this home

Welcome to this updated 2-bedroom, 1-bathroom corner condo townhouse suite in downtown Cobourg. Very private. Freshly painted and move-in ready, this bright suite features easy-care laminate flooring (2021) throughout. Large windows fill the corner unit with natural light. The spacious open-concept living and dining area with a cozy office nook offers a loft-inspired feel. The kitchen features stainless steel appliances and new countertops (2021). The primary bedroom offers a walk-in closet, sem…

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Property details

MLS#: X13050676
Status: Buy Now
Beds: 2
Baths: 1 full, 0 half
Size: 900-999
Style: 1 Storey/Apt
Type: Condo Townhouse
Year built: —

Roof: Asphalt Shingle
Foundation: Slab
Property features: Beach, Hospital, Lake/Pond, Library, Marina, Rec./Commun.Centre

View: Garden

Building name: Rosamond
Condo corp #: 8
Balcony: Open
Locker: Ensuite
Fees include: Common Elements Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: None
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding · Deck, Privacy
Fronting on: —
Cross street: King St E & D'Arcy St
Basement: None
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Intercom, Storage Area Lockers
Parking features: Surface

Rooms

Level	Room	Dimensions
Main	Living Room	4.28m × 3.74m
Main	Dining Room	5.14m × 2.63m
Main	Kitchen	2.37m × 2.65m
Main	Primary Bedroom	3.74m × 3.62m
Main	Bedroom 2	3.17m × 2.65m
Main	Laundry	0.82m × 1.41m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: KELLER WILLIAMS REFERRED URBAN REALTY

Source: TRREB/PROPTX · MLS® X13050676

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$445K

Unit 205D · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $445,000✓ $2,490 tax✓ Electric✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,958/mo

incl. closing costs (yr 1)

Annual total

$47,495

year 1

Mortgage only

$1,688/mo

principal + interest

Beyond mortgage

$1,364/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$208/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~950 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$4,450/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)$40/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $20,258/yr

Property taxes17% $7,865/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,450/yr

Condo fees12% $5,762/yr

Closing costs11% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,258	$1,688/mo
Government & taxes
Property tax	$2,490	$208/mo
Land transfer tax(closing)	$5,375	$448/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,450	$371/mo
Condo fees
Condo / HOA fees	$5,762	$480/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	$47,495	$3,958/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 205D

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs