DetachedOn market 135 days

181 Ontario St, Cobourg

Name: 181 Ontario Street
SKU: X13415040
Price: 1875000 CAD
Availability: InStock

Cobourg, ON · · MLS® X13415040Updated October 1, 2026

$1,875,000Est. $9,211/mo mortgage

Bedrooms: 4
Bathrooms: 3
Living space: 3000–3500sq ft
Parking spaces: 8

Type Detached
Garage Yes
Basement Partially Finished

What you should know

181 Ontario St is a 4-bedroom, 3-bathroom detached home in Cobourg, listed for $1,875,000. It has 3000-3500 sq ft of living space.

The heart of the home is a striking, modern kitchen complete with custom cabinetry and an oversized stone island designed for effortless entertaining.
The elegant primary suite features a walk-in closet and a luxurious ensuite.
Positioned on a gracious, oversized corner lot, this property offers unmatched outdoor living space in the heart of town, adorned with magnificent, mature trees and perennial gardens.

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4 Bed, 3 Bath Detached Home in Cobourg

About 181 Ontario Street

Welcome to 181 Ontario Street, The Sonning House, one of Cobourg's most prominent historic estates. Originally constructed in 1840 by the Burnet Brothers-the legendary builders behind Victoria Hall, during Cobourg's prosperous pre-Confederation boom. Today, this stunning Georgian Revival stands as a pristine landmark of the era, beautifully restored and seamlessly upgraded with modern efficiencies. This home exudes the grandeur of the bygone era, complemented by a glamorous, and stylish aesthetic. You're captivated the moment you step into the stunning central hall plan, with a grand staircase and soaring 10.5-foot main-floor ceilings adorned with intricate plaster crown molding. Generous, light-filled principal rooms flow effortlessly with opulent details. The sumptuous dining room will host the celebrations and elegant dinner parties, inviting you to linger. The heart of the home is a striking, modern kitchen complete with custom cabinetry and an oversized stone island designed for effortless entertaining. Contemporary conveniences include a main-floor laundry room and a mudroom with direct access to a rare 2-car attached garage. Upstairs, the grandeur continues with remarkable 11.5-foot ceilings and four spacious bedrooms. Oversized windows provide generous views and abundant natural light. The elegant primary suite features a walk-in closet and a luxurious ensuite. Positioned on a gracious, oversized corner lot, this property offers unmatched outdoor living space in the heart of town, adorned with magnificent, mature trees and perennial gardens. Expansive decking and an elegant pergola provide the perfect space for dining al fresco, entertaining, or quiet gatherings. The generous south lawn features a charming cottage for garden storage and a beautiful fieldstone fire pit, perfect for cool evening gatherings. Located just steps from Lake Ontario and the West Beach boardwalk, The Sonning House is the perfect blend of historic romance and modern luxury.

4 bedrooms, 3 bathrooms, about 3,000 sq ft, works out to roughly $625 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 181 Ontario St

Every detail from the listing, in one place.

Type: Detached
Style: 2-Storey
Living space: 3000-3500 sq ftas stated on the listing
Parking: 8 spacesYes garage
Basement: Partially Finished

Features & systems

Parking & garage

Garage: Yes
Parking spaces: 8

Interior

Basement: Partially Finished

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: 2-Storey
Property class: Detached

181 Ontario St Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

Jun 8, 2026For saleListedThis listingMLS® X13415040$1,875,000

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 181 Ontario St Compares to the Cobourg Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Above Market· based on 252 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

Cobourg market, last 90 days

Median sold price: $632,500
Average sold price: $664,722
Average days on market: 43
Homes sold: 148

Closed sales on the TRREB MLS®.

Full Cobourg market report

Recently sold nearby in Cobourg

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

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Home	Sold price	$ / sqft	% of asking	Sold
This home181 Ontario Street 4 bd · 3 ba · 3,000 sqft	$1,875,000asking	$625	—	—
32 Jean Davey Road 3 bd · 3 ba · 2,000 sqft
949 Cornell Crescent 3 bd · 1 ba · 700 sqft
42 Meredith Crescent 3 bd · 1 ba · 700 sqft
81 D'arcy Street 3 bd · 1 ba · 700 sqft
528 Barbara Street 3 bd · 2 ba · 700 sqft
432 Nickerson Drive 3 bd · 2 ba · 1,100 sqft

32 Jean Davey Road
3 bd · 3 ba · 2,000 sqft
949 Cornell Crescent
3 bd · 1 ba · 700 sqft
42 Meredith Crescent
3 bd · 1 ba · 700 sqft
81 D'arcy Street
3 bd · 1 ba · 700 sqft
528 Barbara Street
3 bd · 2 ba · 700 sqft
432 Nickerson Drive
3 bd · 2 ba · 1,100 sqft

Living in Cobourg: Location & Amenities

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Costs, Mortgage & Rental Return for 181 Ontario St

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $9,211; 20% down · 25 years · 5.5% assumed
Property tax: $1,031; 0.66% mill rate · ON
Total per month: $10,242; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

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Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$9,211

/mo

based on the purchase price of $1,875,000

Down payment20%

$375,000 cash

Amortization25 yr

$1,500,000 financed

Rate5.50%

$1,263,394 total interest

Principal54%$1,500,000

Interest46%$1,263,394

20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

Rental income potential

Est. monthly rent

low–high

Gross yield

rent × 12 ÷ price

Cap rate (est.)

net of tax + fees

Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.

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Listing brokerage: RE/MAX Rouge River Realty Ltd., BrokerageMLS® X13415040 · Listing data last updated October 1, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

For sale· listed Jun 7· $625/sq ft

Estimated monthly mortgage$9,211/moMortgage only · 20% down · 5.5% assumed

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5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

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