DetachedListed today

44 James St W, Cobourg

Name: 44 James Street W
SKU: X13885024
Price: 650000 CAD
Availability: InStock

Cobourg, ON · · MLS® X13885024Updated October 10, 2026

$650,000Est. $3,193/mo mortgage

Bedrooms: 3
Bathrooms: 2
Living space: 2000–2500sq ft
Parking spaces: 4

Type Detached
Lot 50 acres
Garage Yes
Basement Full, Unfinished

What you should know

44 James St W is a 3-bedroom, 2-bathroom detached home in Cobourg, listed for $650,000. It has 2000-2500 sq ft of living space.

Offering a family-friendly layout, detached garage, and private backyard, this home blends timeless charm with thoughtful updates.
The updated kitchen offers ample cabinetry and counter space, stainless steel appliances, a large window overlooking the double undermount sink, and a tin tile-style backsplash.
Upstairs, three well-appointed bedrooms offer ample closet space, with one bedroom enjoying a walkout to the balcony.

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3 Bed, 2 Bath Detached Home in Cobourg

About 44 James Street West

Character and history fill this red brick home, ideally located moments from Lake Ontario and downtown shops, restaurants, and markets. Offering a family-friendly layout, detached garage, and private backyard, this home blends timeless charm with thoughtful updates. A bright, open foyer welcomes guests and leads into the inviting front living room, featuring a cozy fireplace and charming window nook. The living room flows seamlessly into the spacious family and dining rooms, where a bay window fills the carpet-free space with natural light. The updated kitchen offers ample cabinetry and counter space, stainless steel appliances, a large window overlooking the double undermount sink, and a tin tile-style backsplash. A full bathroom and convenient mudroom with abundant storage complete the main level. Upstairs, three well-appointed bedrooms offer ample closet space, with one bedroom enjoying a walkout to the balcony. An updated, sun-filled bathroom with a separate tub and glass shower enclosure, plus a convenient laundry room, add everyday functionality to the upper level. Outside, the private fenced backyard offers a peaceful retreat, with an elevated deck ideal for al fresco dining and a patio perfect for entertaining or quiet evenings under the stars. Just moments from downtown amenities, Cobourg Beach, and convenient 401 access, this character-filled home offers the perfect place to put down roots in Northumberland County.

3 bedrooms, 2 bathrooms, about 2,000 sq ft, works out to roughly $325 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.Ask Zara a follow-up

Inside 44 James St W

Every detail from the listing, in one place.

Type: Detached
Style: 2-Storey
Living space: 2000-2500 sq ftas stated on the listing
Parking: 4 spacesYes garage
Basement: Full, Unfinished

Features & systems

Parking & garage

Garage: Yes
Parking spaces: 4

Interior

Basement: Full · Unfinished

Lot & land

Lot size (sqft): 0.09

Listing & possession

Property style: 2-Storey
Property class: Detached

44 James St W Price & Sale History

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

Oct 10, 2026For saleListedThis listingMLS® X13885024$650,000

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

What's it worth?

How 44 James St W 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

Excellent Deal· based on 247 recent sales

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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: $640,000
Average sold price: $674,412
Average days on market: 42
Homes sold: 153

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 home44 James Street W 3 bd · 2 ba · 2,000 sqft	$650,000asking	$325	—	—
19 Coverdale Avenue 3 bd · 3 ba · 1,500 sqft
550 Lakeshore Road 3 bd · 1 ba · 700 sqft
746 Northwood Drive 3 bd · 1 ba · 1,500 sqft
1184 Alder Road 2 bd · 3 ba · 1,100 sqft
348 Cottesmore Avenue 3 bd · 2 ba · 1,100 sqft
537 Wilson Road 2 bd · 2 ba · 700 sqft

19 Coverdale Avenue
3 bd · 3 ba · 1,500 sqft
550 Lakeshore Road
3 bd · 1 ba · 700 sqft
746 Northwood Drive
3 bd · 1 ba · 1,500 sqft
1184 Alder Road
2 bd · 3 ba · 1,100 sqft
348 Cottesmore Avenue
3 bd · 2 ba · 1,100 sqft
537 Wilson Road
2 bd · 2 ba · 700 sqft

Living in Cobourg: Location & Amenities

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Costs, Mortgage & Rental Return for 44 James St W

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

Mortgage: $3,193; 20% down · 25 years · 5.5% assumed
Property tax: $358; 0.66% mill rate · ON
Total per month: $3,551; 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

$3,193

/mo

based on the purchase price of $650,000

Down payment20%

$130,000 cash

Amortization25 yr

$520,000 financed

Rate5.50%

$437,976 total interest

Principal54%$520,000

Interest46%$437,976

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 HALLMARK FIRST GROUP REALTY LTD., BrokerageMLS® X13885024 · Listing data last updated October 10, 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 Oct 9· $325/sq ft

Estimated monthly mortgage$3,193/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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