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$539K · 2 bed Condo Apartment · Cobourg, Cobourg | MyPropertyScout

$539,000

Unit 215

22 DOM

2222d

Map

DOM 22

$539,000

B●●●○○DOM22days

Unit 215

145 Third Street · Cobourg · Ontario K9A 5X1

MLS® X13417336 · Cobourg · K9A 5X1

22Vacant900-999 ft²Condo Apartment1-car Underground22d$568/ft²$4,483 tax/yr

1% below 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

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
Beds: 2
Baths: 2 full, 0 half
Size: 900-999
Style: Apartment
Type: Condo Apartment
Year built: —

View: Water, Downtown, Lake, City

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: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Albert St & 3rd St
Basement: None
Stories: 2
Utilities: —
Laundry: In Bathroom
Interior: Other
Parking features: —

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Kitchen	4.22m × 4.13m
Main	Bathroom	1.91m × 1.71m
Main	Primary Bedroom	4.9m × 2.92m
Main	Bathroom	1.8m × 2.39m
Main	Living Room	4.5m × 4.36m
Main	Dining Room	3.14m × 2.31m
Main	Bedroom	3.82m × 2.88m

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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$539K

Unit 215 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $539,000✓ $4,483 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,335/mo

incl. closing costs (yr 1)

Annual total

$64,016

year 1

Mortgage only

$2,045/mo

principal + interest

Beyond mortgage

$2,227/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$107,800

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%$5,390/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$7,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)38% $24,538/yr

Property taxes18% $11,738/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance8% $5,390/yr

Condo fees18% $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)	$24,538	$2,045/mo
Government & taxes
Property tax	$4,483	$374/mo
Land transfer tax(closing)	$7,255	$605/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%)	$5,390	$449/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	$64,016	$5,335/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

Sales History

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Annual costs