
228 Ruttan Terrace
Cobourg, ON K9A 5X6
- 1+1Bedrooms
- 2Bathrooms
- 1Garage
- 700–1100Sq Ft
- $3,981Tax
- 27×125 ftLot Size
- Estimated Value:$488,000See Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 228 Ruttan Terrace, Cobourg
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 2026-05-04 | 2026-05-21 | Login to See Prices | Sold | x13076416 |
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About 228 Ruttan Terrace, Cobourg
Summarized Description
- Bright, spacious freehold bungalow with 1,642 sq. ft.
- Custom fireplace and quartz countertops in kitchen.
- Spa-inspired lower level shower with glass doors.
- Flexible layout with potential for third bedroom.
- Move-in ready with updated flooring and shingles.
- Close to shopping and Cobourg's waterfront.
- Ideal for first-time buyers or downsizers.
Bright, move-in ready freehold bungalow offering approximately 1,642 sq. ft. of finished living space with thoughtful updates throughout. Carpet-free living features fresh neutral décor, a skylight-filled living room with custom fireplace feature. The eat-in kitchen showcases quartz countertops and a walkout to a covered deck with a natural gas BBQ hookup - perfect for easy outdoor entertaining. Spacious primary bedroom features his & hers closets with custom shelving, plus beautifully renovated bathrooms including the spa-inspired lower level shower with glass doors. The lower level was intentionally designed by the builder to maximize living space and features huge above-grade windows that make the space feel bright and inviting. Offering approximately 738 sq. ft. of finished additional living space, it includes a spacious second bedroom, large family room, and separate recreation room with closet and window offering excellent flexibility for a potential third bedroom, guest space, office, or gym. Updated waterproof luxury vinyl plank flooring and finished trim throughout complete the space. Additional highlights include main floor laundry, automatic garage door opener, updated 25-year shingles (2021), and well-maintained mechanics. An excellent affordable option for first-time buyers, downsizers, or anyone seeking low-maintenance living close to shopping, amenities, and Cobourg's beautiful waterfront.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,981
- Land Transfer Tax Fee
- $8,371
Rental Items
- Rental Equipment
- Hot Water Tank
- Basement Type
- Finished, Full
Interior Features
- Laundry Level
- Main Level
- Interior Extras
- Auto Garage Door Remote, Carpet Free, In-Law Capability, Primary Bedroom - Main Floor, Water Heater
- Fireplace/Stove
- Yes
- Fireplace Features
- Fireplace Insert, Electric
- Elevator
- No
Exterior Features
- Exterior Extras
- Deck, Landscaped, Patio, Privacy
- Pool
- None
Building
- Building Type
- Semi-Detached
- Building Style
- Bungalow-Raised
Construction
- Exterior Finish
- Brick, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation Details
- Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 27.00 ft
- Lot Depth
- 124.50 ft
Inclusions
- Inclusions
- Kitchen Appliances: Stove, built-in microwave, Fridge, Dishwasher, Clothes washer and dryer, Fireplace insert, Mounted Coat rack at front door, Basement window coverings, All electrical light features, Gas Furnace, A/C, Garage Door Remote
Exclusions
- Exclusions
- Small fridge in basement, TV wall mounts, Ground floor window coverings, all decorative items
Parking & Garages
- Garage Type
- Attached
- Garage Spaces
- 1
- Parking Spaces
- 1
- Total Garage And Parking Spaces
- 2
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 1 + 1
- Washrooms
- 2
- Kitchens
- 1
- Family / bonus room
- Yes
Room sizes
- Living Room—Main level, Laminate, Large Window, Fireplace Insert
- Primary Bedroom—Main level, Large Window, His and Hers Closets, B/I Shelves
- Kitchen—Main level, Overlooks Dining, Quartz Counter, B/I Microwave
- Dining Room—Main level, W/O To Terrace, Glass Doors, Laminate
- Family Room—Lower level, Above Grade Window, Carpet Free, Vinyl Floor
- Bedroom 2—Lower level, Large Window, Large Closet, Vinyl Floor
- Recreation—Lower level, Large Window, Closet, Vinyl Floor
- Utility Room—Lower level
Washrooms
- 4-piece, Ground
- 3-piece, Basement
- Municipality
- Cobourg
- Neighbourhood
- Cobourg
- Main cross streets
- King St. & Willmot St.
- Directions
- South on Willmott, right on Carroll Cres and right again at Carroll Cres to Ruttan Terr, make a right
- MLS® number
- X13076416
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-05-21
- Listed on
- 2026-05-04
- Days on market
- 17 days
- Possession date
- 2026-08-04
- Possession type
- 30-59 days
- Co-op commission
- 2.5%
- Seller
- Listed by
- RE/MAX ROUGE RIVER REALTY LTD.
Home Market Value
Current home valuation for 228 Ruttan Terrace, Cobourg, Cobourg, ON. Listed for $594,800
HOMEH Estimate
$488,000
Estimated Sales Range
$361,080 - $614,920
HOMEH Estimate for 228 Ruttan Terrace, 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 $94,800 over $500K
$34,480
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $22,412 | $16,595 | $14,156 | $0 |
=Total mortgage | $582,714 | $551,915 | $519,736 | $475,840 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,845monthly | $2,695monthly | $2,538monthly | $2,323monthly |
Land Transfer Tax
$8,371
$8,371
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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