Cobourg Homes under $400,000

Cobourg Homes under $400,000

Welcome to Cobourg, Ontario—a charming lakeside town that perfectly blends small-town warmth with vibrant community spirit. Nestled along the shores of Lake Ontario, Cobourg is renowned for its picturesque waterfront, sandy beaches, and historic downtown area, making it an ideal haven for families, retirees, and young professionals alike.

Cobourg boasts a rich history, evident in its beautifully preserved architecture and the inviting atmosphere of its streets. Stroll through the quaint downtown, where local boutiques, cozy cafes, and artisanal shops line the vibrant streets. On weekends, the Cobourg Farmers' Market offers fresh produce and handmade goods, providing a delightful taste of local culture.

For outdoor enthusiasts, Cobourg is a paradise. The expansive Victoria Park features lush green spaces, walking trails, and access to the stunning beach, perfect for summer picnics or winter strolls. The scenic waterfront trail invites you to explore the beauty of Lake Ontario, with breathtaking views that change with the seasons.

What’s more, Cobourg offers an impressive selection of homes under $400,000, making it an attractive option for first-time buyers and those looking to downsize. From charming bungalows to cozy townhouses, there’s something for everyone in this welcoming community. With its affordable housing market, Cobourg presents an excellent opportunity to invest in a home while enjoying the benefits of small-town living.

Whether you’re drawn by the beautiful landscapes, the close-knit community, or the affordability of homes, Cobourg is a place where dreams of homeownership can become a reality. Come and discover the magic of Cobourg—your new home awaits!

Newest Cobourg Homes under $400,000

249 Ruttan Terrace Unit 503, Cobourg
$339,000
2 Beds ⋅ 1 Baths ⋅ X13865920 MLS
This bright 2-bedroom, 1-bathroom condo offers comfort, convenience, and affordability in a desirable Cobourg location. Luxury vinyl plank and tile flooring extend throughout most of the unit, complemented by warm, neutral paint colours. The open-concept living area provides an inviting space to relax or entertain. The kitchen features a spacious peninsula with a breakfast bar for casual dining, while the adjacent dining area offers plenty of room to host family dinners or formal get-togethers. The generous primary bedroom includes a walk-in closet and large windows that fill the space with natural light. For added convenience, the unit also features newer in-suite stacked laundry appliances. Step outside to your private southeast-facing balcony, the perfect spot to enjoy your morning coffee in the sun or unwind with dinner in the shade on warm summer evenings.

249 Ruttan Terrace Unit 503, Cobourg
323 George Street Unit 502, Cobourg
$318,000
3 Beds ⋅ 2 Baths ⋅ X13854536 MLS ⋅ Mansions On Georage BLDG.
Welcome to penthouse living at Mansions on George, where historic charm meets modern luxury in the heart of Cobourg. Nearly 1,700 sq. ft. of beautifully designed living space offers a rare sense of scale, warmth and sophistication. Soaring 10-ft ceilings and an expansive open-concept layout set the tone, while the designer kitchen is made for gatherings, with an abundance of cabinetry and storage you simply don't expect in condo living. With 2 spacious bedrooms plus a sizeable den, there is room to live, work, entertain and unwind. The impressive primary retreat features a private ensuite, oversized walk-in closet and jacuzzi tub while heated floors in both bedrooms add an extra touch of everyday luxury. Exceptional storage continues throughout, along with a dedicated laundry room and private balcony. Enjoy fantastic building amenities including a fitness room, party/meeting room and rooftop terrace and garden. But what truly sets this home apart is the lifestyle outside your door. Step out and stroll through historic downtown Cobourg for coffee, dining and local shops, or wander to the waterfront, marina and beautiful sandy beach for morning walks, summer days by the lake and sunset strolls along the shore. Boating enthusiasts will love having the harbour nearby, while VIA Rail is just a block away and Toronto is approximately an hour away. Historic character, penthouse luxury and a walkable waterfront lifestyle come together in one extraordinary home. Welcome to Mansions on George.

323 George Street Unit 502, Cobourg
515 (Blk 59) Joseph Gale Street Unit 207, Cobourg
$369,000
1 Baths ⋅ X13851270 MLS
STUDIO24 townhouse condo units in Cobourg's sought after EAST VILLAGE are almost complete! Located a walk or bike ride distance to Lake Ontario's vibrant waterfront, beaches, downtown, shopping, parks and restaurants, an amazing location. Built by Stalwood Homes, these affordable studios are perfect for the first time home buyer, professional or down-sizer. Beautiful modern finishes enhanced with 9 ft ceilings. Open concept living room and stylish kitchen with Stainless Steel appliances. Convenient in suite laundry with a stackable Washer & Dryer. Luxury Vinyl Plank throughout with tiled washroom. Purchaser will enjoy an additional $16,000 in Builder's Upgrades: including upgraded appliances, breakfast island and quartz counter tops throughout! Fibre Internet available, HRV for healthy living, heat pump provides primary heating/cooling, owned hot water tank. Lawn Care And Snow Removal included in condo fees, along with one designated parking space and visitor parking is on-site. Easy access to the 401 corridor, convenient Cobourg VIA stop, and just a 45-minute drive to the Oshawa GO. Exterior photo is a virtual rendition, interior photos are virtually staged. LISTING PRICE REFLECTS EXPANDED HST NEW RESIDENTIAL REBATE FOR ELIGIBLE PURCHASERS.

515 (Blk 59) Joseph Gale Street Unit 207, Cobourg
249 Ruttan Terrace Unit 505, Cobourg
$335,000
2 Beds ⋅ 1 Baths ⋅ X13810638 MLS
Looking for the space of a home without all the upkeep? This inviting 2-bedroom bungalow-style condo by Stalwood Homes offers an easy, low-maintenance lifestyle with comfortable living space, your own private outdoor area & a location that puts the best of Cobourg within easy reach. Tucked into an established community, this lower-level unit offers the convenience of one-level living with a functional open-concept design connecting the living room, dining area & kitchen. It's a layout that simply works, whether you're enjoying a quiet night at home, hosting family & friends or looking for space to make your own. The kitchen provides ample cabinetry & workspace while remaining open to the principal living areas. Two generously sized bedrooms give you options: create a comfortable primary retreat, guest room, home office or hobby space depending on your lifestyle. A full 4-pc bathroom & combined laundry/storage room add everyday practicality, with valuable storage conveniently located right inside the unit. But living here isn't limited to the indoors. Step outside to your private 12' x 11' patio, your own spot for morning coffee, summer dinners, BBQs, container gardens or simply relaxing outdoors. One exclusive parking space is included, along with visitor parking for your guests. When you want to venture out, shopping, restaurants, parks, schools & everyday amenities are only minutes away, while Cobourg's charming downtown, picturesque marina, waterfront & beautiful sandy beach offer plenty to enjoy close to home. Whether you're entering the market, ready to simplify or simply want a home that gives you more freedom & less maintenance, 249 Ruttan Terrace #505 offers an affordable opportunity to put down roots & enjoy the Cobourg lifestyle.

249 Ruttan Terrace Unit 505, Cobourg
137 Furnace Street Unit 8, Cobourg
$365,000
3 Beds ⋅ 1 Baths ⋅ X13799876 MLS
Offering a comfortable blend of space, convenience and low-maintenance living, this well-kept three-bedroom townhouse condominium is ready for its next chapter. Step inside to a bright and welcoming main level, where warm hardwood flooring carries through the open-concept living and dining area and natural light fills the space. The well-appointed kitchen provides plenty of cabinetry and workspace while overlooking the backyard, keeping the layout functional and connected to the rest of the home. Upstairs, three well-proportioned bedrooms offer plenty of flexibility, whether you need room for family, overnight guests or a dedicated home office. The spacious primary bedroom features generous closet space, while a four-piece bathroom completes the upper level. Downstairs, the partially finished basement adds valuable bonus space for a family room, play area, home gym or office, while still providing plenty of room for storage. Outside, your backyard is partially fenced with a great deck that creates a welcome extension of the living space. Perfect for morning coffee, summer barbecues or simply relaxing at the end of the day. Set in a convenient Cobourg location just minutes from historic downtown, Victoria Beach and the waterfront, parks, schools, shopping, restaurants, Northumberland Hills Hospital and Highway 401, everyday essentials and some of the town's best amenities are all within easy reach. Whether you're ready to step into homeownership, simplify your lifestyle or add to your investment portfolio, this inviting townhouse offers the space, location and versatility to make it your own. *Some photos are virtually staged

137 Furnace Street Unit 8, Cobourg
6 Hillview Drive, Cobourg
$315,000
2 Beds ⋅ 1 Baths ⋅ X13774590 MLS
This Fabulous Mobile is one of the Newest In The Park, and it Shows! Open concept Living Room and Kitchen. Great Sized 4pc Bathroom, 2 Bedrooms. Beautiful, Huge Deck, Great For Entertaining. Lot is Nicely Landscaped. Whole Property Has Been Well-Kept and Shows Wonderfully. Gas Heat, Central Air Conditioning,, Gas Stove New Fall 2025, New Washer and Dryer Fall 2025.

6 Hillview Drive, Cobourg
361 Bond Street, Cobourg
$395,000
3 Beds ⋅ 1 Baths ⋅ X13772166 MLS
With a practical layout and more space than you would anticipate, this semi-detached 1 1/2-storey home has room for everyone! A great location central to downtown Cobourg, yet quietly tucked between side streets and surrounded by other properties with charm and character. You will appreciate the main floor layout, complete with a formal dining/living room, kitchen, porch and a main floor bedroom or den. The upper "loft style" second floor features additional bedrooms. A quaint yard space, parking for two cars, and a short walk to downtown Cobourg and all of the amenities. It's the perfect place to call your first home, an investment property or even a downsize to get closer to the conveniences of living in town. Great value in the market and endless potential for you to create and design the interior space to suit your needs and style!

361 Bond Street, Cobourg
400 Westwood Drive Unit A3, Cobourg
$389,999
3 Beds ⋅ 2 Baths ⋅ X13765742 MLS
Welcome to 400 Westwood Drive - A3, a move-in ready 3-bedroom, 2-bathroom townhome condo offering exceptional value in one of Cobourg's most desirable communities. Pride of ownership is evident throughout this beautifully maintained home, featuring a functional layout, tasteful updates, and a brand-new professionally renovated basement that adds incredible living space and versatility. The bright main floor offers spacious living and dining areas filled with natural light, creating a warm and inviting atmosphere for everyday living and entertaining. The well-designed kitchen flows seamlessly into the main living space, making it both practical and functional. Upstairs you'll find three generous bedrooms (one currently used as a home office) along with an updated full bathroom featuring a new vanity and modern fixtures. The newly renovated basement is a true highlight, offering the perfect space for a family room, recreation area, home gym, office, or playroom, complete with a stylish 2-piece bathroom. Enjoy the ease of low-maintenance condo living just minutes from Cobourg's waterfront, parks, walking trails, schools, shopping, and everyday amenities. Whether you're a first-time buyer, young family, commuter, or investor, this is an outstanding opportunity to own an updated, move-in ready home offering exceptional value in today's market.

400 Westwood Drive Unit A3, Cobourg
26 Spencer Street E Unit 106, Cobourg
$349,000
2 Beds ⋅ 1 Baths ⋅ X13763402 MLS
Welcome to this modern, turnkey 1-bedroom plus den condo offering 748 sq. ft. of stylish, open-concept living. Thoughtfully designed for both comfort and functionality, the spacious layout features a versatile den, perfect for a home office, guest space or additional living area. The fully equipped kitchen comes with stainless steel appliances and ample storage for all of your kitchen needs. Step outside and enjoy access to your own private terrace, creating the perfect spot to relax or entertain. The unit also offers the convenience of a large in-suite laundry room with a ton of storage space and one dedicated surface parking space. Maintenance fees include building insurance, common elements, and water, providing added value and peace of mind. Ideally located close to Cobourg Beach, local amenities, the Conservation area, Cobourg Hospital and with easy access to Highway 401, this beautiful and bright condo is perfect for first-time buyers, downsizers, investors or anyone looking to enjoy a low-maintenance lifestyle in a fantastic location.

26 Spencer Street E Unit 106, Cobourg
39 Hillview Drive, Cobourg
$240,000
3 Beds ⋅ 1 Baths ⋅ X13719666 MLS
Welcome To 39 Hillview Drive, Cobourg. Conveniently Located Minutes To Highway 401 Off Television Road Between Cobourg And Port Hope, This 4-Season Mobile Home Features 2+1 Bedrooms On A Private Lot Overlooking A Corn Field.

39 Hillview Drive, Cobourg
137 Furnace Street Unit 5, Cobourg
$399,000
4 Beds ⋅ 2 Baths ⋅ X13652138 MLS ⋅ Royal Property Solutions BLDG.
Located in the welcoming lakeside community of Cobourg, Unit 5-137 Furnace Street offers a thoughtfully upgraded living space ideal for families, first-time buyers, or investors. This well-maintained 3+1 bedroom, 2 full bathroom home features a functional layout with bright principal rooms and comfortable living areas throughout. The added basement apartment provides excellent flexibility-perfect for extended family, guests, or potential rental income-featuring an extra bedroom and enhanced living space. The property blends practicality with value, offering multiple-use potential in a quiet, established neighbourhood close to schools, shopping, transit, and Cobourg's vibrant downtown and waterfront. Whether you're looking to live in and rent out, or simply enjoy extra space for your family, this home delivers versatility and strong long-term appeal. A solid opportunity in one of Northumberland's most desirable communities.

137 Furnace Street Unit 5, Cobourg
242 D'arcy Street Unit 3, Cobourg
$285,000
2 Beds ⋅ 1 Baths ⋅ X13624448 MLS
Welcome to this well maintained lower level condo in one of Cobourg's most sought after buildings, ideally situated in the desirable East end of town. Offering 2 spacious bedrooms, this move-in ready home has been freshly painted and features new laminate flooring and tasteful upgrades throughout, creating a bright and inviting space. Large windows fill the home with an abundance of natural light, enhancing the spacious and welcoming layout. Enjoy the convenience of low condo fees and access to a separate shared outdoor space, perfect for relaxing and enjoying the outdoors. Ideally located just steps from Cobourg's beautiful beach, marina, and vibrant downtown, you'll love being within walking distance of charming cafés, restaurants, shops, and all the amenities this picturesque lakeside town has to offer. Offering exceptional value in today's market, this spacious condo is perfect for first-time buyers, downsizers, retirees, or investors alike. Don't miss this fantastic opportunity to own in one of Cobourg's most desirable condo buildings and enjoy all that this wonderful lakeside community has to offer!

242 D'arcy Street Unit 3, Cobourg
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