Sold for:Sold May 21, 2026
$624,900

144 Spencer Street E

Cobourg, ON K9A 1C4

Detached House SoldNot available

Property not available for sale or for rent.

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Sale & Price History for 144 Spencer Street E, Cobourg

2026-05-13
2026-05-21
Sold
Price
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MLS#
x13120682

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 144 Spencer Street E, Cobourg

Summarized Description

  • Charming detached brick bungalow in Cobourg.
  • Finished basement with separate entrance for versatility.
  • Walkout deck with pergola for outdoor enjoyment.
  • Bright open-concept living with hardwood floors.
  • Modern kitchen with stainless steel appliances.
  • Primary bedroom features rare walkout to deck.
  • Conveniently located near beach and downtown.
  • Ideal for families or potential secondary suite.

Welcome to 144 Spencer St. E., a charming 2 Bedroom, 2 Bathroom detached brick bungalow in the desirable community of Cobourg, walking distance to Cobourg beach, historic downtown, and near schools, parks, community centres, shopping, and walking trails. The front of the home offers a refreshing landscaped lawn, a 2-car private driveway, and a separate side door entrance to the finished basement. The backyard features a convenient walkout composite deck with a pergola and a garden shed for additional storage. Inside, the bright open-concept main floor, finished with hardwood floors, welcomes you into the inviting yet cozy living room with a gas fireplace and built-in shelving for a personalized touch. The stylish kitchen is thoughtfully designed with modern white cabinetry, stainless steel appliances, and a functional island breakfast bar, seamlessly flowing into the sun-filled dining area. The primary bedroom is a true standout, featuring a rare walkout to the back deck, while the second bedroom offers ample storage with both a closet and wardrobe. The well-appointed 3-piece main floor bathroom is finished with tile flooring and a spa-inspired walk-in glass shower with a luxury rain-style shower head.The fully finished versatile basement offers an additional bedroom, 4-piece bathroom and comfortable living space, along with a separate side entrance, making it ideal for extended family, guests, or a potential secondary suite. Perfectly positioned in one of Cobourg's most sought-after locations, this home combines beautiful finishes, rare features, and a thoughtfully designed outdoor space, making it a standout opportunity for those seeking comfort, style, and convenience in a beautiful community.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,668
Land Transfer Tax Fee
$8,973

Rental Items

Rental Equipment
Reliance - Hot Water Tank Approx $23.00 monthly
Under Contract
Hot Water Tank-Gas

Basement Type
Finished, Separate Entrance

Interior Features

Interior Extras
In-Law Capability, Primary Bedroom - Main Floor, Storage, Water Heater
Security Features
Smoke Detector
Fireplace/Stove
Yes
Fireplace Features
Living Room, Natural Gas
Elevator
No

Exterior Features

Exterior Extras
Deck, Porch
Pool
None
Property Features
Beach, Cul de Sac/Dead End, Golf, Hospital, Park, School
Other Structures
Garden Shed, Drive Shed, Fence - Partial

Building

Building Type
Detached
Building Style
Bungalow

Construction

Exterior Finish
Brick
Roof
Asphalt Shingle
Foundation Details
Concrete
Special Designation
Unknown

Lot

Lot Front
40.93 ft
Lot Depth
173.69 ft

Inclusions

Inclusions
Fridge, Stove, Dishwasher, B/I Microwave, Clothing Washer, Clothing Dryer, Basement Freezer, Black Wardrobe

Exclusions

Exclusions
Stagers Drapes, TVs and Wall Mounts, Stagers Main Bathroom Mirror

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
3
Total Garage And Parking Spaces
3

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer

Bedrooms
2 + 1
Washrooms
2
Kitchens
1

Room sizes

  • Kitchen—
    Main level, Breakfast Bar, Eat-in Kitchen, Large Window
  • Living Room—
    Main level, Gas Fireplace, B/I Shelves, Hardwood Floor
  • Dining Room—
    Main level, Hardwood Floor, Open Concept, Overlooks Frontyard
  • Primary Bedroom—
    Main level, W/O To Deck, Hardwood Floor, Closet
  • Bedroom 2—
    Main level, Hardwood Floor, Closet, Window
  • Bedroom 3—
    Basement level, Pot Lights, Window
  • Recreation—
    Basement level, Window, Pot Lights, Broadloom
  • Bathroom—
    Basement level, 4 Pc Bath, Window, Closet

Washrooms

  • 3-piece, Main
  • 4-piece, Basement

Municipality
Cobourg
Neighbourhood
Cobourg
Main cross streets
Division/University
Directions
Division/University Ave East/Clergy

MLS® number
X13120682
Data source
Toronto Regional Real Estate Board
Status change
2026-05-21
Listed on
2026-05-13
Days on market
8 days
Possession type
Other
Co-op commission
2.5
Seller
Listed by
RE/MAX HALLMARK FIRST GROUP REALTY LTD.

Home Market Value

Current home valuation for 144 Spencer Street E, Cobourg, Cobourg, ON. Listed for $624,900

HOMEH Estimate

?

$557,500

Estimated Sales Range

?

$440,425 - $674,575

HOMEH Estimate for 144 Spencer Street E, Cobourg

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$557,500Medium confidence
Based on 3 comparable properties
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
Cobourg, ON
Minimum Down Payment Required:6.0%

5% on first $500K + 10% on $124,900 over $500K

Minimum down payment

$37,490

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$23,496$17,435$14,873$0
=Total mortgage
$610,902$579,845$546,038$499,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,983monthly$2,831monthly$2,666monthly$2,441monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$8,973

Total Land Transfer Tax

$8,973

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0/100Minimal Transit
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