26 Spencer St E #106 is a 1-bedroom, 1-bathroom condo in Cobourg, listed for $349,000. It has 700-799 sq ft of living space.
1Thoughtfully designed for both comfort and functionality, the spacious layout features a versatile den, perfect for a home office, guest space or additional living area.
2The fully equipped kitchen comes with stainless steel appliances and ample storage for all of your kitchen needs.
3Step outside and enjoy access to your own private terrace, creating the perfect spot to relax or entertain.
Welcome to this modern, turnkey 1-bedroom plus den condo offering 748 sq. ft. of stylish, open-concept living. Thoughtfully designed for both comfort and functionality, the spacious layout features a versatile den, perfect for a home office, guest space or additional living area. The fully equipped kitchen comes with stainless steel appliances and ample storage for all of your kitchen needs. Step outside and enjoy access to your own private terrace, creating the perfect spot to relax or entertain. The unit also offers the convenience of a large in-suite laundry room with a ton of storage space and one dedicated surface parking space. Maintenance fees include building insurance, common elements, and water, providing added value and peace of mind. Ideally located close to Cobourg Beach, local amenities, the Conservation area, Cobourg Hospital and with easy access to Highway 401, this beautiful and bright condo is perfect for first-time buyers, downsizers, investors or anyone looking to enjoy a low-maintenance lifestyle in a fantastic location.
1 bedroom, 1 bathroom, about 700 sq ft, works out to roughly $499 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this condo fits your budget and timing.
Inside 26 Spencer St E #106
Every detail from the listing, in one place.
Type
Condo
Style
2-Storey
Living space
700-799 sq ftas stated on the listing
Parking
1 space
Basement
None
Features & systems
Parking & garage
Parking spaces
1
Interior
Basement
None
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Condo Apartment
26 Spencer St E #106 Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13763402$349,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 26 Spencer St E #106 Compares to the Cobourg Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$1,715
/mo
based on the purchase price of $349,000
$69,800 cash
$279,200 financed
$235,160 total interest
Principal54%$279,200
Interest46%$235,160
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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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.
Similar homes for sale nearby in Cobourg
Other 1–2 bed homes for sale in Cobourg around $349K.
Average days on market44Homes sold in about 44 days on average.
Sale-to-list ratio97.6%On average, homes sold below asking.
Active listings229Homes for sale here right now.
Median vs prior 90 days−0.7%Compared with Apr 30 – Jul 29, 2026: prices down.
Based on 148 sales from Jul 29 – Oct 27, 2026 (111 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
More in this building
1 for sale at 26 Spencer St E — plus its sale and lease history.
26 Spencer St E #106 is listed at $349,000 (MLS® X13763402). Summitly updates the price as soon as the MLS® record changes.
Is $349,000 a good price for 26 Spencer St E #106?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Cobourg. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 26 Spencer St E #106 changed?
No — 26 Spencer St E #106 is still listed at its original asking price of $349,000.
How many bedrooms and bathrooms does 26 Spencer St E #106 have?
26 Spencer St E #106 has 1 bedroom and 1 bathroom, with about 700–799 square feet of living space. It is a condo in Cobourg.
How much would the monthly mortgage be on 26 Spencer St E #106?
About $1,715 a month — principal and interest on $349,000 with 20% down ($69,800), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 26 Spencer St E #106 compare with other homes in Cobourg?
Its asking price of $349,000 is about 44% below the median sold price in Cobourg over the last 90 days, $625,500, across 148 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 26 Spencer St E #106 been sold before?
Summitly has no earlier MLS® sale or lease of 26 Spencer St E #106 on record from the last two years. Older records aren't shown under TRREB rules.
Where is 26 Spencer St E #106?
26 Spencer St E #106 is in Cobourg, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 26 Spencer St E #106 been on the market?
48 days — 26 Spencer St E #106 was listed on September 9, 2026.
What is the price per square foot of 26 Spencer St E #106?
About $437 to $499 per square foot: the asking price of $349,000 over the 700–799 sq ft the listing gives as its size range.
Does 26 Spencer St E #106 have parking or a garage?
Yes — the listing gives 1 parking space.
Does 26 Spencer St E #106 have a basement, and is it finished?
The listing says 26 Spencer St E #106 has no basement.
