478 Monk Street, Cobourg, ON

$559,000
MLS#:X13713180
3 beds
1 baths
700-1100 sqft
2.0 parking
Residential Freehold
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Added:Aug 26, 2026(3 days ago)
Updated:Aug 26, 2026(3 days ago)
Last Checked:15 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $559,000 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.

  • 3 Bedrooms and 1 Bathroom
  • Generous living space spanning 700-1100 sqft on a premium 51 x 100 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available with a convenient carport configuration
  • Notable attributes: Carpet Free, Primary Bedroom - Main Floor
  • Efficient forced air heating via gas

Description

Location, Location, Location! Great Lake Views in South-West Cobourg. Discovering a corner lot with an unobstructed view of Lake Ontario out your front window is a true rarity. This 3-bedroom, 1-bath bungalow with a carport is a fantastic opportunity for investors, renovators, or anyone looking to build a custom dream home in one of Cobourg's finest neighborhoods. Steps from Tut Gutteridge Park, Monk's Cove, and community gardens, the location is second to none. Best of all, you are just minutes away from the vibrant downtown core and the beach. Live in it, rent it out, or transform it-properties with this view and potential do not come along often. Listen to the waves from your front yard and say hello to a wonderful community. Opportunities like this are few and far between.

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 detached home located at 478 Monk Street, Cobourg is currently for sale and has been available on SousaSells for 3 days. This property is listed at $559,000 with an estimated mortgage of $1,861* per month. It has 3 beds, 1 bathroom, and is 700-1100 square feet. 478 Monk Street, 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?

Yes! Featuring 3 bedrooms and 1 bathroom, this home offers ample space and comfort for growing families in Cobourg, Cobourg.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •700-1100 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Cobourg.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedAug 26, 2026 (3 days ago)
UpdatedAug 26, 2026 (3 days ago)
Last Checked15 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementFull, Unfinished
Lot Size51 Ă— 100 Feet
CountyNorthumberland
Annual Tax$3,855.53
Legal DescriptionPT LT 1 W/S STUART ST BLK A PL CADDY (FORMERLY LT 20 CON A HAMILTON) COBOURG; PT LT 2 W/S STUART ST BLK A PL CADDY (FORMERLY LT 20 CON A HAMILTON) COBOURG AS IN CB122227; COBOURG

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeCarport

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

  • Clear View
  • Lake/Pond
  • Level
  • Marina
  • Park

Interior Features

  • Carpet Free
  • Primary Bedroom - Main Floor

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 478 Monk Street, Cobourg, ON

Q.What is the asking price for 478 Monk Street, Cobourg, ON ?

The current listing price for 478 Monk Street, Cobourg, ON in Cobourg, Cobourg is $559,000.

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

This property features 3 bedrooms and 1 bathroom across approximately 700-1100 sqft.

Q.What property type and architectural style is 478 Monk Street, Cobourg, ON ?

478 Monk Street, Cobourg, ON is a Detached (Bungalow) featuring a Full, Unfinished basement.

Q.What key property features does 478 Monk Street, Cobourg, ON offer?

Key property features include: Clear View, Lake/Pond, Level, Marina, Park.

Q.What interior features are included in this home?

Interior highlights include: Carpet Free, Primary Bedroom - Main Floor.

Q.What security features are installed at 478 Monk Street, Cobourg, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (Carport).

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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478 Monk 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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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 478 Monk Street, Cobourg, ON K9A 2T1

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$167,700 (30.0%)
* Minimum Canadian down payment required for this price is $30,900.
Amortization Period30 Years
Estimated Monthly Payment$1,861Based on a loan of $391,300 over 30 years.
Purchase Price$559,000
Loan Amount$391,300
Provincial Land Transfer Tax:$7,655
Total Estimated Closing Taxes:$7,655

About Purchasing a Home in Cobourg, ON

For a property listed at $559,000 in Cobourg, the legal minimum down payment is $30,900 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 $7,655 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 $7,655.

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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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