Listed for:Listed 7 days ago
$425,000

229 Water Street

Cobourg, ON K9A 1R3

Detached House For Sale
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Sale & Price History for 229 Water Street, Cobourg

No listing history available

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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 229 Water Street, Cobourg

Summarized Description

  • Generous lot size ideal for outdoor activities.
  • Steps away from Cobourg Beach.
  • Move-in fixer-upper with renovation potential.
  • Located close to downtown Cobourg.
  • Two-bedroom layout offers flexibility.
  • Large paved driveway for ample parking.
  • Opportunity to create a personalized home.
  • Part of a desirable lakeside community.

Steps from Cobourg Beach | Generous Lot | Opportunity on Water Street Location, lot and potential come together in this brick bungalow just a short stroll from Cobourg Beach and close to downtown.Set on a generously sized lot with a large paved private driveway, the property offers plenty of outdoor space for gardening, entertaining or creating your own outdoor oasis. Featuring 2 bedrooms, this property is a fantastic opportunity for buyers looking to renovate and create a home tailored to their own taste and vision. The home is livable and a move-in fixer-upper, offering plenty of scope for improvement and value-add potential. Whether you're looking for an affordable entry into a sought-after neighbourhood, a renovation project, or simply a home in a terrific location with a great-sized lot, this Water Street property offers plenty of potential.Just steps to the beach, close to downtown Cobourg, and surrounded by the charm of one of Ontario's most desirable lakeside communities - bring your ideas and make this one your own!

Key Facts & Features

Property Costs

Annual Property Tax Amount
$4,770
Land Transfer Tax Fee
$4,975

Rental Items

Rental Equipment
Hot Water Tank
Under Contract
Hot Water Heater

Basement Type
Full, Partially Finished

Interior Features

Laundry Level
Lower Level
Interior Extras
Central Vacuum, Primary Bedroom - Main Floor
Fireplace/Stove
Yes
Fireplace Features
Natural Gas
Elevator
No

Exterior Features

Pool
None

Building

Building Type
Detached
Building Style
Bungalow
Approx Age
51-99

Construction

Exterior Finish
Brick
Roof
Shingles
Foundation Details
Unknown
Special Designation
Unknown

Lot

Lot Front
59.00 ft
Lot Depth
165.00 ft

Inclusions

Inclusions
Fridge, Stove, Washer, Dryer, All Electric Light Fixtures, All Window Coverings, Central Vacuum and attachments. All Inclusions in as is condition.

Exclusions

Exclusions
None

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
5
Total Garage And Parking Spaces
5

Heating & Cooling

Heat Source
Electric
Heat Type
Baseboard
Air Conditioning
Wall Unit(s)
Water
Municipal
Sewers
Sewer

Bedrooms
2
Washrooms
1
Kitchens
1

Room sizes

  • Kitchen—
    Main level
  • Other—
    Basement level
  • Living Room—
    Main level
  • Recreation—
    Basement level
  • Utility Room—
    Basement level
  • Other—
    Basement level
  • Primary Bedroom—
    Main level
  • Other—
    Basement level
  • Dining Room—
    Main level
  • Bedroom 2—
    Main level

Washrooms

  • 4-piece, Main

Municipality
Cobourg
Neighbourhood
Cobourg
Main cross streets
Darcy/Henry
Directions
King St to Henry St to Water St
Waterfront
WaterfrontCommunity

MLS® number
X14012246
Data source
Toronto Regional Real Estate Board
Listed on
2026-10-13
Updated on
2026-10-14
Days on market
7 days
Possession date
2026-11-02
Possession type
Flexible
Co-op commission
2% +HST
Seller
Listed by
ROYAL SERVICE REAL ESTATE INC.

Home Market Value

Current home valuation for 229 Water Street, Cobourg, Cobourg, ON. Listed for $425,000

HOMEH Estimate

?

$510,000

Estimated Sales Range

?

$394,430 - $585,232

HOMEH Estimate for 229 Water Street, Cobourg

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

$510,000Low confidence
Based on 3 comparable properties
− $85,000 (17%) below our estimate — Good deal!
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:5.0%

5% of purchase price for homes $500K or less

Minimum down payment

$21,250

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$16,150$11,858$10,115$0
=Total mortgage
$419,900$394,358$371,365$340,000
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,050monthly$1,925monthly$1,813monthly$1,660monthly
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Land Transfer Tax

Provincial

$4,975

Total Land Transfer Tax

$4,975

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