Listed for:Listed 7 days ago
$650,000

44 James Street W

Cobourg, ON K9A 2J9

Detached House For Sale
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031
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Sale & Price History for 44 James Street W, 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 44 James Street W, Cobourg

Summarized Description

  • Charming red brick home with historic character.
  • Private backyard with elevated deck for entertaining.
  • Updated kitchen with stainless steel appliances.
  • Detached garage and convenient mudroom.
  • Three spacious bedrooms with ample closet space.
  • Proximity to downtown shops and Cobourg Beach.
  • Sun-filled bathrooms with modern fixtures.
  • Easy access to Highway 401 for commuting.

Character and history fill this red brick home, ideally located moments from Lake Ontario and downtown shops, restaurants, and markets. Offering a family-friendly layout, detached garage, and private backyard, this home blends timeless charm with thoughtful updates. A bright, open foyer welcomes guests and leads into the inviting front living room, featuring a cozy fireplace and charming window nook. The living room flows seamlessly into the spacious family and dining rooms, where a bay window fills the carpet-free space with natural light. The updated kitchen offers ample cabinetry and counter space, stainless steel appliances, a large window overlooking the double undermount sink, and a tin tile-style backsplash. A full bathroom and convenient mudroom with abundant storage complete the main level. Upstairs, three well-appointed bedrooms offer ample closet space, with one bedroom enjoying a walkout to the balcony. An updated, sun-filled bathroom with a separate tub and glass shower enclosure, plus a convenient laundry room, add everyday functionality to the upper level. Outside, the private fenced backyard offers a peaceful retreat, with an elevated deck ideal for al fresco dining and a patio perfect for entertaining or quiet evenings under the stars. Just moments from downtown amenities, Cobourg Beach, and convenient 401 access, this character-filled home offers the perfect place to put down roots in Northumberland County.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$4,430
Land Transfer Tax Fee
$9,475

Rental Items

Rental Equipment
Hot Water Heater.
Under Contract
Hot Water Heater

Basement Type
Full, Unfinished

Interior Features

Laundry Level
Upper Level
Interior Extras
Other
Fireplace/Stove
Yes
Fireplace Features
Wood, Family Room
Elevator
No

Exterior Features

Exterior Extras
Deck, Patio, Porch, Landscaped
Pool
None

Building

Building Type
Detached
Building Style
2-Storey

Construction

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

Lot

Lot Front
45.00 ft
Lot Depth
84.06 ft
Lot Size
0.09

Parking & Garages

Garage Type
Detached
Garage Spaces
1
Parking Spaces
3
Total Garage And Parking Spaces
4

Heating & Cooling

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

Bedrooms
3
Washrooms
2
Kitchens
1
Family / bonus room
Yes

Room sizes

  • Other—
    Basement level, Unfinished
  • Sitting—
    Main level, Fireplace
  • Laundry—
    Upper level
  • Bedroom 3—
    Upper level, Walk-In Closet(s), W/O To Balcony
  • Other—
    Basement level
  • Primary Bedroom—
    Upper level
  • Bathroom—
    Main level, 4 Pc Bath
  • Utility Room—
    Basement level
  • Other—
    Basement level
  • Bedroom 2—
    Upper level
  • Kitchen—
    Main level
  • Dining Room—
    Main level
  • Bathroom—
    Upper level, 4 Pc Bath
  • Living Room—
    Main level
  • Mud Room—
    Main level

Washrooms

  • 4-piece, Main
  • 4-piece, Second

Municipality
Cobourg
Neighbourhood
Cobourg
Main cross streets
James St W & George St
Zoning
R3
Directions
Division St heading South, Right onto James St W
Waterfront
None

MLS® number
X13885024
Data source
Toronto Regional Real Estate Board
Listed on
2026-10-10
Updated on
2026-10-11
Days on market
7 days
Possession type
Other
Co-op commission
2.0% Plus HST
Seller
Listed by
RE/MAX HALLMARK FIRST GROUP REALTY LTD.

Home Market Value

Current home valuation for 44 James Street W, Cobourg, Cobourg, ON. Listed for $650,000

HOMEH Estimate

?

$618,800

Estimated Sales Range

?

$488,852 - $748,748

HOMEH Estimate for 44 James Street W, Cobourg

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

$618,800Medium confidence
Based on 15 comparable properties
+ $31,200 (5%) above our estimate
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:6.2%

5% on first $500K + 10% on $150,000 over $500K

Minimum down payment

$40,000

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$24,388$18,135$15,470$0
=Total mortgage
$634,088$603,135$567,970$520,000
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$3,096monthly$2,945monthly$2,773monthly$2,539monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$9,475

Total Land Transfer Tax

$9,475

Around this home

4/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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