443 Victoria Street, Cobourg

$799,990
443 Victoria Street

$799,990

New
22d
Detached2-Storey

443 Victoria Street, Cobourg

Total Monthly Obligation $4,056

Beds
4
Baths
2
Park
2
Sqft
2500-3000
DOM
22d
Score
18
Yield
4.8%
Cash on Cash
-3.5%
Cap Rate
3.8%
5Y IRR
12.8%
10Y IRR
12.4%
Property Type-Detached
MLS® Number-X13847558
Beds-4
Bathrooms-2
Size-2500-3000 sqft
Lot Size-77 × 116 ft
Listed on site-Oct 1, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,452 (2025)
Parking-3 - Detached
Basement-Unfinished
Heating-Radiant (Gas)
Brokerage-CINDY & CRAIG REAL ESTATE LTD.
Cooling-Other
Laundry-No
Fireplace-Yes
Pool-None
Facing-West
Exterior-Wood
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-30/TBA
Neighbourhood-Cobourg
Title-Residential Freehold

No agent assigned

Built in 1856 and proudly recognized as one of Cobourg's Pre-Confederation Buildings, this one-of-a-kind century home blends timeless 19th century architecture with thoughtful upgrades-far from your average cookie-cutter property. Situated on a private oversized corner lot, the home welcomes you from the covered porch, surrounded by mature perennial gardens, into bright and inviting living and dining spaces. The updated kitchen features quartz countertops and built-in appliances, while upstairs offers 3 spacious bedrooms including a primary retreat with vaulted ceilings and a walk-in closet. Registered as a 2-unit dwelling, the home also presents excellent potential for an in-law or nanny suite, or home business with its own living/dining area and additional bedroom/office. Ideally located just moments from Cobourg's vibrant downtown, farmers' market, waterfront, beach, VIA rail station for easy travel into Toronto. Rich in character, history, versatility, and an exceptional location, this is a truly special property you won't want to miss.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$639,992
Land Transfer Taxes$12,475
Legal Fees (Est.)
$
Total cash required for closing$173,973

Total Monthly Obligation

$4,056/mo
Mortgage $3,227
Monthly Loss $3,207
Principal$849
Interest$2,378
Property Tax$454
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-8.0%1
5-Year IRR
9.3%31
10-Year IRR
10.1%
Returns Index
16.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$38,784/yr
NOI
$24,954/yr
Net Cash Flow
-$1,147/mo
Cash Margin
-35.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.648
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo38
Risk Index
21.4/ 100

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

Comparables

Properties near 443 Victoria Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.