431 Orchard Avenue C, Cobourg

$849,900
431 Orchard Avenue C

$849,900

New
2d
Att/Row/Townhouse2-Storey

431 Orchard Avenue C, Cobourg

Total Monthly Obligation $4,381

Beds
3
Baths
3
Park
4
Sqft
2000-2500
DOM
2d
Score
16
Yield
4.0%
Cash on Cash
-7.7%
Cap Rate
2.9%
5Y IRR
9.5%
10Y IRR
9.9%
Property Type-Att/Row/Townhouse
MLS® Number-X14101284
Beds-3
Bathrooms-3
Size-2000-2500 sqft
Lot Size-29.17 × 115.81 ft
Listed on site-Oct 21, 2026
Style-2-Storey
Building Type-Att/Row/Townhouse
Taxes-$6,934.37 (2026)
Parking-6 - Attached
Basement-Full
Heating-Forced Air (Gas)
Brokerage-Royal LePage ProAlliance Realty
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-Cobourg
Title-Residential Freehold

No agent assigned

Discover this exceptional executive freehold townhome in one of Cobourg's most desirable neighbourhoods, showcasing impressive upgrades, refined finishes and the elegance of a model home. Expansive windows, 9-foot ceilings, rounded-edge drywall, engineered hardwood flooring on the main level and pot lights throughout create a sophisticated, light-filled atmosphere. The stunning chef-inspired kitchen features ceiling-height cabinetry, stainless steel appliances, upgraded lighting and an extraordinary 9.5' x 4' centre island with built-in microwave, perfect for entertaining and everyday living. A solid oak staircase leads upstairs, where engineered hardwood continues through the hallway. The spacious primary retreat boasts a spa-inspired ensuite with double sinks, a soaker tub and separate glass-enclosed shower. Two additional bedrooms, each with a large walk-in closet, a four-piece bathroom and convenient second-floor laundry complete this beautifully appointed level. Upgraded tile, plumbing fixtures and lighting further elevate the interior. The landscaped backyard oasis features a spacious deck with privacy wall, solar lighting and dedicated BBQ area. An elegant paver stone patio, 12' x 10' gazebo with colour-changing built-in lights and custom firepit with a direct propane line create an inviting setting for outdoor entertaining. Convenient under-deck storage adds practicality. The impressive garage features a fully insulated, drywalled and painted interior with epoxy-finished flooring, ideal for a home gym, workshop or hobby space. An EV charging rough-in adds future-ready convenience. Enjoy an enviable lifestyle within walking distance of Cobourg's beach, restaurants, shopping and everyday amenities, with excellent schools nearby and quick access to Highway 401. A distinguished executive townhome offering upscale finishes, exceptional indoor-outdoor living and a refined lifestyle of comfort, style and convenience.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$679,920
Land Transfer Taxes$13,473
Legal Fees (Est.)
$
Total cash required for closing$184,953

Total Monthly Obligation

$4,381/mo
Mortgage $3,428
Monthly Loss $3,479
Principal$902
Interest$2,526
Property Tax$578
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.3%14
Cash-on-Cash
-11.8%0
5-Year IRR
6.4%16
10-Year IRR
7.8%
Returns Index
9.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$34,392/yr
NOI
$19,518/yr
Net Cash Flow
-$1,802/mo
Cash Margin
-62.9%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.474
LTV Ratio
80.0%18
Vacancy Buffer
2.2 mo35
Risk Index
19.1/ 100

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

Comparables

Properties near 431 Orchard Avenue C

Time

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