240 Chapel Street, Unit 425, Cobourg, ON

$219,000
MLS#:X13877180
1 beds
1 baths
500-599 sqft
1.0 parking
Residential Condo & Other
Residential Condo & Other for sale - 1 Bed, 1 Bath Home at 240 Chapel Street Cobourg ON listed at $219,000 (MLS# X13877180) - Main View
Price Change
For Sale
Added:Oct 8, 2026(15 days ago)
Updated:Oct 21, 2026(2 days ago)
Last Checked:9 minutes ago

Property Highlights

Welcome to this remarkable Apartment condo apartment located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick and stucco (plaster) construction, this residence presents an exceptional opportunity offered at $219,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 1 Bedroom and 1 Bathroom
  • Generous living space spanning 500-599 sqft
  • Ample parking with 0.0 garage spaces (1.0 total parking spaces)
  • Notable attributes: Countertop Range, Water Heater Owned, Wheelchair Access
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to Palisade Gardens - This Condominium is noted as one of Northumberland County's Premier Independent Living Retirement Residences. Just steps from Cobourg's historic downtown shopping and amenities which include a range of coffee shops, restaurants, boutiques and Banks. If weather accommodates enjoy an amble around Cobourg's heritage Waterfront Park and marina. This condo has a welcoming entrance with ramp and in and out driveway making it easy for family, friends or taxi's to pick you up or drop off. The main floor provides access to many of the communal areas including front reception, meeting room, relaxing seating area with access to the inner landscaped courtyard, main dining room and library to name a few. Easy access to the unit floor via elevator and wide hallways lead to your Unit. The Unit itself benefits from its own kitchen with warm wood cabinetry. The kitchen is combined with the dining area and living room so easy to chat with family and guests as you cook or brew a drink. The bedroom is spacious and benefits from a well sized closet. Close to the bedroom is the bathroom which has step in shower benefiting from grab bar and there is also undersink storage cabinetry. The convenient washer and storage is in unit as well. Flooring in the Unit is easy maintenace and hard surface whether that be laminate or tile. Don't miss this opportunity to enjoy worry-free living. Palisdade offers flexible service packages which allow you to live independently and choose only the services you want (Min service cost per month for owners in addition to the Condo fee). You can prepare your own meals or book a package to have dinners served in the dining room. In addition there are housekeeping and care services for an additional fee. Palisade offer a variety of social, recreational and health & wellness amenities with an easy and convenient monthly payment plan. They also have a shuttle bus and the schedule/sign up sheet is at reception.

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Property Summary

This condo apartment located at 240 Chapel Street, Cobourg is currently for sale and has been available for 15 days. This property is listed at $219,000 with an estimated mortgage of $729* per month. It has 1 bed, 1 bathroom, and is 500-599 square feet. 240 Chapel Street, Cobourg is in the Cobourg neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Cobourg, Cobourg.

Great for Small Household / Couples
What We Love About This Home
  • •1 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •500-599 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Urban professionals, first-time buyers, or investors looking for low-maintenance living in Cobourg.

Target Buyer Match

Key Features

Bedrooms
1
Bathrooms
1
Kitchens
1
Living Area
500-599 sqft
Property Type
Residential Condo & Other

Additional Details

StatusPrice Change
Price$219,000
Maintenance Fee$570.24/mo
AddedOct 8, 2026 (15 days ago)
UpdatedOct 21, 2026 (2 days ago)
Last Checked9 minutes ago
Transaction TypeFor Sale
List Office NameRoyal LePage Our Neighbourhood Realty

Property Details

Property Sub-TypeCondo Apartment
Architectural StyleApartment
ConstructionBrick, Stucco (Plaster)
BasementNone
CountyNorthumberland
Annual Tax$2,389.14

Parking & Garage

Parking Total1.0
Parking Space1
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Countertop Range
  • Water Heater Owned
  • Wheelchair Access
  • Carpet Free

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Cobourg Home Buyer Advisory & Market HubActive MLS® Listing in Cobourg, Ontario

Looking to Buy a Home in Cobourg?

If you are looking for a house in Cobourg or researching Cobourg real estate for sale, this 1-bedroom condo apartment at 240 Chapel Street, Unit 425, Cobourg, ON offers an exceptional opportunity to buy a home in Cobourg, Ontario. Whether you are a first-time Cobourg home buyer or comparing active Cobourg MLS® homes for sale, working with a dedicated Cobourg buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

Cobourg Homes for Sale & MLS® Listings

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Dedicated Cobourg Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Cobourg realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Cobourg Buyer Budget & Costs

Estimated mortgage: $729*/month*. Estimated Ontario Land Transfer Tax: $1,915. First-time Cobourg home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Cobourg

Frequently Asked Questions about 240 Chapel Street, Unit 425, Cobourg, ON

Q.What is the asking price for 240 Chapel Street, Unit 425, Cobourg, ON ?

The current listing price for 240 Chapel Street, Unit 425, Cobourg, ON in Cobourg, Cobourg is $219,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 1 bedroom and 1 bathroom across approximately 500-599 sqft.

Q.What property type and architectural style is 240 Chapel Street, Unit 425, Cobourg, ON ?

240 Chapel Street, Unit 425, Cobourg, ON is a Condo Apartment (Apartment) featuring a None basement.

Q.What interior features are included in this home?

Interior highlights include: Countertop Range, Water Heater Owned, Wheelchair Access, Carpet Free.

Q.Is parking available at this property?

Yes, this property offers parking space for 1.0 vehicle (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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240 Chapel Street, Unit 425, Cobourg, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Cobourg, Cobourg

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 240 Chapel Street 425, Cobourg, ON K9A 0E3

Estimated Sales Range
$208,000 - $215,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cobourg.

Configure Loan Settings

Interest Rate4.00%
Down Payment$65,700 (30.0%)
* Minimum Canadian down payment required for this price is $10,950.
Amortization Period30 Years
Estimated Monthly Payment$729Based on a loan of $153,300 over 30 years.
Purchase Price$219,000
Loan Amount$153,300
Provincial Land Transfer Tax:$1,915
Total Estimated Closing Taxes:$1,915

About Purchasing a Home in Cobourg, ON

For a property listed at $219,000 in Cobourg, the legal minimum down payment is $10,950 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $1,915 for this transaction. As this listing is in Cobourg (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $1,915.

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Cobourg, Cobourg Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Cobourg, Cobourg.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$769,888

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Cobourg, Cobourg

Elementary Schools

C R Gummow
Public311 Cottesmore Avenue, Cobourg, Ontario, K9A 4E3
5.9
St. Joseph
Catholic919 D'Arcy Street, Cobourg, Ontario, K9A 4B4
3.6
Burnham
Public614 Burnham Street, Cobourg, Ontario, K9A 2X1
5.2
Notre Dame
Public760 Burnham Street, Cobourg, Ontario, K9A 2X6
4.6
Terry Fox
Public1065 Riddell Avenue, Cobourg, Ontario, K9A 5N4
7.3

Secondary Schools

Cobourg
Public335 King Street East, Cobourg, Ontario, K9A 1M2
5.6
St. Mary
Catholic1050 Birchwood Trail, Cobourg, Ontario, K9A 5S9
7.1

Cobourg, Cobourg Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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