257 White Street, Cobourg

$620,000
257 White Street

$620,000

New
3d
DetachedSidesplit 3

257 White Street, Cobourg

Total Monthly Obligation $3,240

HausQ Valuation Report
Beds
4
Baths
1
Park
4
Sqft
1100-1500
DOM
3d
Score
26
Yield
6.7%
Cash on Cash
4.3%
Cap Rate
5.5%
5Y IRR
19.0%
10Y IRR
17.4%
Property Type-Detached
MLS® Number-X14098144
Beds-4
Bathrooms-1
Size-1100-1500 sqft
Lot Size-60.35 × 138.9 ft
Listed on site-Oct 20, 2026
Style-Sidesplit 3
Building Type-Detached
Age-31-50
Taxes-$4,366.09 (2026)
Parking-5 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX HALLMARK EASTERN REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Block
Sewer-Septic
Possession-TBD
Neighbourhood-Cobourg
Title-Residential Freehold

No agent assigned

Welcome to this beautifully updated 3 plus 1 bedroom bungalow, ideally situated on a quiet street on the outskirts of Cobourg, offering a peaceful country feel while remaining just minutes from every convenience. The bright and inviting main level showcases a stunning brand-new kitchen, professionally installed last month, featuring stylish new cabinetry, elegant quartz countertops, and engineered hardwood flooring throughout. The fully finished lower level offers a spacious rec room, a fourth bedroom, and new vinyl click flooring, providing the perfect space for family living, guests, or a home office. Step outside to enjoy the lovely private backyard, ideal for relaxing or entertaining. Commuters will appreciate the quick access to Highway 401, while fine dining, shopping, and Cobourg's vibrant downtown are only a five-minute drive away. Spend your summers enjoying Cobourg's sandy beach and beautiful waterfront, a destination loved by visitors from across Ontario. Town sewer on the street and available for hook-up!! This move-in-ready home truly offers the perfect blend of modern updates, comfort, and location.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$496,000
Land Transfer Taxes$8,875
Legal Fees (Est.)
$
Total cash required for closing$134,375

Total Monthly Obligation

$3,240/mo
Mortgage $2,501
Monthly Loss $2,582
Principal$658
Interest$1,843
Property Tax$364
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.6%33
Cash-on-Cash
-1.3%6
5-Year IRR
14.6%69
10-Year IRR
14.3%
Returns Index
36.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
26/ 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
$41,256/yr
NOI
$28,264/yr
Net Cash Flow
-$146/mo
Cash Margin
-4.2%2
Cash Flow Index
2.1/ 100
Risk Profile
Weight: 20%
DSCR
0.9423
LTV Ratio
80.0%18
Vacancy Buffer
2.9 mo49
Risk Index
29.8/ 100

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

Comparables

Properties near 257 White Street

Time

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