96 James Street, Cobourg, ON

$949,000
MLS#:X13751616
5 beds
3 baths
2000-2500 sqft
5.0 parking
Residential Freehold
Residential Freehold for sale - 5 Bed, 3 Bath Home at 96 James Street Cobourg ON listed at $949,000 (MLS# X13751616) - Main View
For Sale
Added:Sep 8, 2026(1 day ago)
Updated:Sep 8, 2026(1 day ago)
Last Checked:25 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $949,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 5 Bedrooms and 3 Bathrooms with 2 functional kitchens
  • Generous living space spanning 2000-2500 sqft on a premium 58 x 96 ft lot
  • Features a finished with walk-out basement, adding superb versatility for recreation, a home gym, or extra storage
  • 5.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Accessory Apartment
  • Efficient forced air heating via gas

Description

Nestled in the heart of Cobourg's coveted Heritage District, this stunning brick Craftsman Four Square home is a timeless blend of historic charm and thoughtful modern updates. Rich in character and beautifully maintained, the home showcases gleaming hardwood floors, exquisite original wood trim, leaded glass details, and all the treasured architectural features that have been lovingly preserved throughout the years.At the heart of the home is a spectacular custom Kingsmill kitchen, thoughtfully designed with premium Fisher & Paykel appliances, refined finishes, and exceptional functionality for everyday living and entertaining alike. The spacious main floor also offers a welcoming family room and convenient 2-piece powder room.Upstairs, the home features four generous bedrooms filled with warmth, natural light, and enduring character. An additional unfinished attic space complete with its own designated staircase from the second floor, presents incredible potential for future living space, a studio, or artist studio or retreat.The bright and inviting one-bedroom basement apartment with separate entrance offers excellent in-law or income potential.Perfectly situated within walking distance to Cobourg's vibrant downtown core, boutique shopping, restaurants, and cafés, this exceptional property is also just minutes from the white sands of Victoria Beach and Cobourg's world-class marina - the ultimate summer destination. Conveniently located only 15 minutes to Trinity College School, this is a rare opportunity to own a truly distinguished character home in one of Cobourg's most desirable neighbourhoods.

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Property Summary

This detached home located at 96 James Street, Cobourg is currently for sale and has been available on SousaSells for 1 day. This property is listed at $949,000 with an estimated mortgage of $3,159* per month. It has 5 beds, 3 bathrooms, and is 2000-2500 square feet. 96 James Street, Cobourg is in the Cobourg neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 5 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Cobourg, Cobourg.

Highly Recommended for Families
What We Love About This Home
  • •5 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •2000-2500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Cobourg, Cobourg.

Target Buyer Match

Key Features

Bedrooms
5
Bathrooms
3
Kitchens
2
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$949,000
AddedSep 8, 2026 (1 day ago)
UpdatedSep 8, 2026 (1 day ago)
Last Checked25 minutes ago
Transaction TypeFor Sale
List Office NameREAL ESTATE HOMEWARD

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementFinished with Walk-Out
Lot Size58 Ă— 96 Feet
CountyNorthumberland
Annual Tax$5,523
Rental ItemsNone
Legal DescriptionPT LT 10 BLK B S/S UNIVERSITY AV AND W/S GEORGE ST PL CADDY (FORMERLY LT 17 CON A HAMILTON) COBOURG AS IN NC234093; COBOURG

Parking & Garage

Parking Total5.0
Parking Space4
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

None listed

Interior Features

  • Accessory Apartment

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Frequently Asked Questions about 96 James Street, Cobourg, ON

Q.What is the asking price for 96 James Street, Cobourg, ON ?

The current listing price for 96 James Street, Cobourg, ON in Cobourg, Cobourg is $949,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 5 bedrooms and 3 bathrooms across approximately 2000-2500 sqft.

Q.What property type and architectural style is 96 James Street, Cobourg, ON ?

96 James Street, Cobourg, ON is a Detached (2-Storey) featuring a Finished with Walk-Out basement.

Q.What interior features are included in this home?

Interior highlights include: Accessory Apartment.

Q.Is parking available at this property?

Yes, this property offers parking space for 5.0 vehicles (Detached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via None.

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Location

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96 James Street, Cobourg, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Cobourg, Cobourg

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 96 W James Street W, Cobourg, ON K9A 2K2

Estimated Sales Range
$902,000 - $930,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cobourg.

Configure Loan Settings

Interest Rate4.00%
Down Payment$284,700 (30.0%)
* Minimum Canadian down payment required for this price is $69,900.
Amortization Period30 Years
Estimated Monthly Payment$3,159Based on a loan of $664,300 over 30 years.
Purchase Price$949,000
Loan Amount$664,300
Provincial Land Transfer Tax:$15,455
Total Estimated Closing Taxes:$15,455

About Purchasing a Home in Cobourg, ON

For a property listed at $949,000 in Cobourg, the legal minimum down payment is $69,900 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $15,455 for this transaction. As this listing is in Cobourg (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $15,455.

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Cobourg, Cobourg Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Cobourg, Cobourg.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$769,888

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Cobourg, Cobourg

Elementary Schools

C R Gummow
Public311 Cottesmore Avenue, Cobourg, Ontario, K9A 4E3
5.9
St. Joseph
Catholic919 D'Arcy Street, Cobourg, Ontario, K9A 4B4
3.6
Burnham
Public614 Burnham Street, Cobourg, Ontario, K9A 2X1
5.2
Notre Dame
Public760 Burnham Street, Cobourg, Ontario, K9A 2X6
4.6
Terry Fox
Public1065 Riddell Avenue, Cobourg, Ontario, K9A 5N4
7.3

Secondary Schools

Cobourg
Public335 King Street East, Cobourg, Ontario, K9A 1M2
5.6
St. Mary
Catholic1050 Birchwood Trail, Cobourg, Ontario, K9A 5S9
7.1

Cobourg, Cobourg Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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