491 Joseph Gale Street, Cobourg, ON

$829,900
MLS#:X11989046
2 beds
2 baths
1100-1500 sqft
3.0 parking
Residential Freehold
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This listing is no longer active (Sold)

This property has been sold, leased, or taken off the market. You can view similar active listings below.

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $829,900 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 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 47.8 x 124 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, ERV/HRV, On Demand Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to your dream home! This stunning bungalow, built in 2022, sits on a corner lot in the East Village, offering a perfect blend of modern elegance and comfort. Windows on east-south-west side allows natural light to flood the living areas. The immaculate dining room is especially bright, with sunlight streaming through California shutters.The main floor boasts beautiful hardwood flooring throughout, complemented by pot lights in every room. The open-concept kitchen is a standout, featuring stainless steel appliances,an induction stove,a gorgeous backsplash, and striking quartz countertop withwaterfall island on one end . The bedrooms and foyer are equipped with custom wardrobes, providing excellent storage. The bathrooms are serene retreats with heated floors and floating sinks, plus both a bathtub and standing shower for ultimate convenience .Approximately $90k spent on builder upgrades, with an additional $30k invested in fine details. This home is perfect for retirees seeking one-level living or a young family. The unspoiled basement features five large windows and a high ceiling, making it an ideal space for customization into a cozy family room,home office, entertainment hub or gym. This prime location is just steps from an elementary school, with French immersion and a high school within a quick 1-2 minute drive. Cobourgs charming downtown, with its quaint shops and lively cafes, grocery stores, hospital is nearby. Outdoor enthusiasts will love being just a short bike ride from the beach and surrounded by parks. This home shows true pride of ownership, with every detail thoughtfully attended to, from the 1.5-car insulated garage with a silent opener to the recently built composite deck (2024)and fully fenced yard.With 2 bedrooms, 2 full bathrooms, and a design that prioritizes both comfort and style, this home is ready for its new owners to enjoy a life of tranquility and modern luxury. Dont miss your chance to make this beautiful bungalow your own!

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Key Features

Bedrooms
2
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMarch 14, 2025
Sold price information is available to members only
Listed Date2/26/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementFull, Unfinished
Lot Size47.8 × 124 Feet
CountyNorthumberland
Annual Tax$5,342.68
Legal DescriptionLOT 4, PLAN 39M944 SUBJECT TO AN EASEMENT AS IN ND198910 TOWN OF COBOURG

Parking & Garage

Parking Spaces3.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

School, Park, Beach, Hospital, Place Of Worship, Library

Interior Features

Auto Garage Door Remote, ERV/HRV, On Demand Water Heater

Security Features

Community Features

Location

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491 Joseph Gale Street, Cobourg, ON
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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 491 Joseph Gale Street, Cobourg, ON K9A 3N3

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

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

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Interest Rate5.25%
Down Payment$57,990 (7.0%)
* Minimum Canadian down payment required for this price is $57,990.
Amortization Period25 Years
Estimated Monthly Payment$4,600Based on a loan of $771,910 over 25 years.
Purchase Price$829,900
Loan Amount$771,910
Provincial Land Transfer Tax:$13,073
Total Estimated Closing Taxes:$13,073

About Purchasing a Home in Cobourg, ON

For a property listed at $829,900 in Cobourg, the legal minimum down payment is $57,990 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 $13,073 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 $13,073.

Nearby Listings

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No current listings found in Cobourg.

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City & 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$726,096

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%

Local Schools Guide

Elementary Schools

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

Secondary Schools

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

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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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.