
144 Spencer Street E
Cobourg, ON K9A 1C4
- 2+1Bedrooms
- 2Bathrooms
- 0Garage
- 700–1100Sq Ft
- $3,668Tax
- 41×174 ftLot Size
- Estimated Value:$557,500See Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 144 Spencer Street E, Cobourg
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 2026-05-13 | 2026-05-21 | Login to See Prices | Sold | x13120682 |
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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.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $124,900 over $500K
$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 |
Land Transfer Tax
$8,973
$8,973
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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