3 Hamilton Court, Cobourg

$1,350,000
3 Hamilton Court

$1,350,000

New
3d
Detached2-Storey

3 Hamilton Court, Cobourg

Total Monthly Obligation $6,590

Beds
5
Baths
4
Park
4
Sqft
3000-3500
DOM
3d
Score
14
Yield
2.3%
Cash on Cash
-14.8%
Cap Rate
1.4%
5Y IRR
4.1%
10Y IRR
5.8%
Property Type-Detached
MLS® Number-X14100202
Beds-5
Bathrooms-4
Size-3000-3500 sqft
Lot Size-101.2 × 149.2 ft
Listed on site-Oct 20, 2026
Style-2-Storey
Building Type-Detached
Taxes-$9,235 (2025)
Parking-6 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX HALLMARK FIRST GROUP REALTY LTD.
Cooling-Central Air
Laundry-No
Fireplace-Living Room
Pool-Inground
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-Cobourg
Title-Residential Freehold

No agent assigned

Situated on a quiet court just steps from Lake Ontario, this exceptional home offers just under 5,000 sq ft of refined living space on a beautifully landscaped, spacious lot. Designed for both everyday comfort and elevated entertaining, the property features an in-ground pool, a finished lower level with in-law potential and separate entrance. The open living room is anchored by a cozy fireplace and a stunning wall of windows that flood the space with natural light. Crown moulding and a carpet-free layout add timeless appeal, while the adjoining sunroom with peaked ceilings creates the perfect setting for slow mornings. A spacious dining room with classic wainscoting is ideal for hosting family gatherings and special occasions. The eat-in kitchen is thoughtfully designed with an oversized island and breakfast bar, pendant lighting, stainless steel appliances, and ample cabinetry. A sunny breakfast area and direct access to the garage add everyday convenience. The main level continues with a warm and inviting family room featuring a fireplace, skylights, and built-in cabinetry with a dedicated office nook. A walkout leads to the backyard retreat, extending your living space outdoors. Laundry room and guest bathroom complete this level. Upstairs, the primary suite offers a spacious layout with built-in storage and a spa-inspired ensuite with glass shower and freestanding tub. Three additional well-appointed bedrooms and a full bathroom provide space for family and guests. The finished lower level enhances versatility with a large recreation room, office, games area, guest bedroom, bathroom, storage, and a walkout to the garage, ideal for multi-generational living. Outdoors, enjoy an elevated deck for alfresco dining, a patio surrounding the in-ground pool, hot tub area, and pergola seating, all framed by mature trees and expansive greenspace. Close to amenities and with easy access to the 401, this property delivers an exceptional lifestyle in a truly private setting.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$1,080,000
Land Transfer Taxes$23,475
Legal Fees (Est.)
$
Total cash required for closing$294,975

Total Monthly Obligation

$6,590/mo
Mortgage $5,446
Monthly Loss $5,157
Principal$1,433
Interest$4,013
Property Tax$770
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
1.0%8
Cash-on-Cash
-17.8%0
5-Year IRR
1.8%4
10-Year IRR
4.3%
Returns Index
3.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
14/ 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
$30,600/yr
NOI
$13,805/yr
Net Cash Flow
-$4,295/mo
Cash Margin
-168.4%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.212
LTV Ratio
80.0%18
Vacancy Buffer
1.5 mo23
Risk Index
14.3/ 100

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

Comparables

Properties near 3 Hamilton Court

Time

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