249 Ruttan Terrace, Unit 505, Cobourg, ON

$349,900
MLS#:X13511346
2 beds
1 baths
1000-1199 sqft
2.0 parking
Residential Condo & Other
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Added:Jul 2, 2026(58 days ago)
Updated:Aug 13, 2026(16 days ago)
Last Checked:3 minutes ago

Property Highlights

Welcome to this remarkable Bungalow condo townhouse located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $349,900 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.

  • 2 Bedrooms and 1 Bathroom
  • Generous living space spanning 1000-1199 sqft
  • 2.0 total parking spaces available
  • Notable attributes: Primary Bedroom - Main Floor, Water Heater Owned
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome Home! Discover the perfect blend of comfort, convenience, and low-maintenance living in this inviting bungalow-style two-bedroom condominium built by Stalwood Homes. Whether you're a first-time home buyer, looking to downsize, or searching for a great investment opportunity, this charming home is sure to impress.Enjoy the ease of one-level living in this bright, open-concept lower-level unit featuring a spacious living and dining area that flows seamlessly into the well-designed kitchen-perfect for everyday living and entertaining. The two generously sized bedrooms offer comfortable retreats, while the full bathroom and large combined storage/laundry room provide exceptional functionality and convenience.Step outside to your private 12' x 11' patio, an ideal space to enjoy your morning coffee, unwind after a long day, or entertain family and friends. This home also includes one exclusive parking space, along with ample visitor parking for your guests.Ideally located just minutes from parks, schools, restaurants, shopping, and everyday amenities, you'll also love being close to Cobourg's vibrant downtown, picturesque marina, and the beautiful sandy shores of Cobourg Beach. Whether you're enjoying waterfront walks, local cafés, or community events, everything you need is within easy reach.Offering the comfort of bungalow-style living, a fantastic location, and exceptional value, this condo is the perfect place to call home. Don't miss your opportunity to enjoy carefree condo living at its finest

Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

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Property Summary

This townhouse located at 249 Ruttan Terrace, Cobourg is currently for sale and has been available on SousaSells for 58 days. This property is listed at $349,900 with an estimated mortgage of $1,165* per month. It has 2 beds, 1 bathroom, and is 1000-1199 square feet. 249 Ruttan Terrace, Cobourg is in the Cobourg neighborhood.

Work with the SOUSA TEAM to unlock your .

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

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Cobourg, Cobourg.

Great for Small Household / Couples
What We Love About This Home
  • •2 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •1000-1199 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Urban professionals, first-time buyers, or investors looking for low-maintenance living in Cobourg.

Target Buyer Match

Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Living Area
1000-1199 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
AddedJul 2, 2026 (58 days ago)
UpdatedAug 13, 2026 (16 days ago)
Last Checked3 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeCondo Townhouse
Architectural StyleBungalow
ConstructionBrick, Vinyl Siding
BasementNone
CountyNorthumberland
Annual Tax$3,246

Parking & Garage

Parking Total2.0
Parking Space1
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Park
  • School
  • School Bus Route
  • Place Of Worship
  • Lake/Pond
  • Marina

Interior Features

  • Primary Bedroom - Main Floor
  • Water Heater Owned

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 249 Ruttan Terrace, Unit 505, Cobourg, ON

Q.What is the asking price for 249 Ruttan Terrace, Unit 505, Cobourg, ON ?

The current listing price for 249 Ruttan Terrace, Unit 505, Cobourg, ON in Cobourg, Cobourg is $349,900.

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

This property features 2 bedrooms and 1 bathroom across approximately 1000-1199 sqft.

Q.What property type and architectural style is 249 Ruttan Terrace, Unit 505, Cobourg, ON ?

249 Ruttan Terrace, Unit 505, Cobourg, ON is a Condo Townhouse (Bungalow) featuring a None basement.

Q.What key property features does 249 Ruttan Terrace, Unit 505, Cobourg, ON offer?

Key property features include: Park, School, School Bus Route, Place Of Worship, Lake/Pond, Marina.

Q.What interior features are included in this home?

Interior highlights include: Primary Bedroom - Main Floor, Water Heater Owned.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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249 Ruttan Terrace, Unit 505, 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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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 249 Ruttan Terrace 505, Cobourg, ON K9A 5X6

Estimated Sales Range
$1.2M - $1.4M

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$104,970 (30.0%)
* Minimum Canadian down payment required for this price is $17,495.
Amortization Period30 Years
Estimated Monthly Payment$1,165Based on a loan of $244,930 over 30 years.
Purchase Price$349,900
Loan Amount$244,930
Provincial Land Transfer Tax:$3,724
Total Estimated Closing Taxes:$3,724

About Purchasing a Home in Cobourg, ON

For a property listed at $349,900 in Cobourg, the legal minimum down payment is $17,495 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 $3,724 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 $3,724.

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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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