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$690K · 2 bed Condo Apartment · Cobourg, Cobourg | MyPropertyScout

$689,900

Unit 209

22 DOM

2222d

Map

DOM 22

$689,900

F●●●○○DOM22days

Unit 209

135 Orr Street · Cobourg · Ontario K9A 0J6

MLS® X13414752 · Cobourg · K9A 0J6

22OwnerOccupied1000-1199 ft²Condo ApartmentNone22d$627/ft²$7,263 tax/yrBuilt 20188 yrs old

27% above market · 22 days on market

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

About this home

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…

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Property details

MLS#: X13414752
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1000-1199
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Beach, Hospital, Lake/Pond, Public Transit, Marina, Park

Condo corp #: 95
Balcony: Open
Locker: Owned
Association amenities: Elevator, Visitor Parking, Party Room/Meeting Room
Fees include: Heat Included, Water Included, Building Insurance Included, Parking Included, CAC Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Brick Front · Controlled Entry
Fronting on: —
Cross street: Hibernia St/King St
Basement: None
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Primary Bedroom - Main Floor, Storage Area Lockers
Parking features: Surface

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Foyer	2.32m × 4.24m
Main	Kitchen	3.84m × 3.87m
Main	Living Room	3.87m × 5.25m
Main	Primary Bedroom	4.01m × 5m
Main	Bedroom 2	3.13m × 3.23m
Main	Other	1.45m × 2.5m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Royal Heritage Realty Ltd.

Source: TRREB/PROPTX · MLS® X13414752

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$690K

Unit 209 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $689,900✓ $7,263 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,109/mo

incl. closing costs (yr 1)

Annual total

$73,306

year 1

Mortgage only

$2,617/mo

principal + interest

Beyond mortgage

$2,177/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$137,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$605/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$6,899/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)$47/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$10,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $31,407/yr

Property taxes24% $17,536/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,899/yr

Condo fees9% $6,803/yr

Closing costs7% $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)	$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.

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Unit 209

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs