325 Ball Street, Cobourg

$555,000
325 Ball Street

$555,000

New
15d
Detached2-Storey

325 Ball Street, Cobourg

Total Monthly Obligation $2,936

Beds
3
Baths
2
Park
2
Sqft
1500-2000
DOM
15d
Score
25
Yield
6.5%
Cash on Cash
3.4%
Cap Rate
5.3%
5Y IRR
18.3%
10Y IRR
16.9%
Property Type-Detached
MLS® Number-X13875282
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-41.41 × 106.25 ft
Listed on site-Oct 8, 2026
Style-2-Storey
Building Type-Detached
Taxes-$3,870 (2026)
Parking-2 - None
Basement-Half, Unfinished, Crawl Space
Heating-Forced Air (Gas)
Brokerage-Keller Williams Energy Real Estate
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete Block, Stone
Sewer-Sewer
Possession-Jan / Feb 2027
Neighbourhood-Cobourg
Title-Residential Freehold

No agent assigned

Set in a walkable Cobourg location, this home puts the best parts of town within easy reach. Morning at the market? Walk there. Dinner downtown? No car required. Beach day? Grab your towel and go. Character and everyday convenience come together throughout this home, with hardwood floors flowing across both the main and second levels. Main floor laundry and second bathroom is cleverly tucked behind a pocket door, keeping it convenient yet separate from the main living space. Just off the kitchen, the dining room offers plenty of room to gather, whether it's a casual weeknight dinner, holiday celebrations or a full house of family and friends. The custom kitchen cabinetry adds a distinctive touch, with beautifully curved cabinets that bring character, craftsmanship and a softness to the space you simply don't find in cookie cutter kitchens. With three bedrooms, there's room to grow and flexibility to adapt whether you need space for a growing family, overnight guests, a dedicated home office or a little of each. Upstairs, what was once a fourth bedroom has been converted into a convenient three piece bathroom, giving the second level added functionality alongside the home's three bedrooms. The conversion was completed prior to the current owners. For an older home, storage is a welcome surprise, with closets & cubbies providing practical space that's often hard to find in homes of this style. There's even more room to tuck things away in the interior access half-height basement/crawl space. At the back of the home, a mudroom creates the perfect transition from the fully fenced yard, giving muddy shoes, wet boots and the family pup a place to dry off before coming inside. Practical spaces, unexpected storage and thoughtful updates, all while keeping the character that makes an older home feel like home.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$444,000
Land Transfer Taxes$7,575
Legal Fees (Est.)
$
Total cash required for closing$120,075

Total Monthly Obligation

$2,936/mo
Mortgage $2,239
Monthly Loss $2,347
Principal$589
Interest$1,650
Property Tax$323
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.3%30
Cash-on-Cash
-2.4%4
5-Year IRR
13.8%63
10-Year IRR
13.6%
Returns Index
33.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
25/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$36,000/yr
NOI
$24,030/yr
Net Cash Flow
-$236/mo
Cash Margin
-7.9%1
Cash Flow Index
1.0/ 100
Risk Profile
Weight: 20%
DSCR
0.8919
LTV Ratio
80.0%18
Vacancy Buffer
3.2 mo55
Risk Index
30.8/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 325 Ball Street

Time

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