98 Ontario Street S
Cobourg Cobourg K9A 3B3

$1,695,000
Residential Freehold beds: 4+1 baths: 5.0

Main Photo: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 1: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 2: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 3: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 4: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 5: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 6: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 7: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 8: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 9: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 10: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 11: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 12: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 13: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 14: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 15: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 16: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 17: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 18: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 19: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 20: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 21: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 22: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 23: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 24: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 25: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 26: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 27: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 28: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 29: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 30: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 31: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 32: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 33: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 34: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 35: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 36: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 37: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 38: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 39: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 40: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 41: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 42: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 43: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 44: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 45: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 46: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 47: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Photo 48: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
Status:
Active
Prop. Type:
Residential Freehold
MLS® Num:
X12657332
Bedrooms:
4+1
Bathrooms:
5
Just steps from the soft sands of Cobourg Beach and the lively historic downtown, Discover coastal luxury at its finest in one of Cobourg's most desirable waterfront neighbourhoods. This custom-built executive home blends refined design with relaxed lakeside living-where the rhythm of the waves and the charm of small-town life meet.this residence showcases exceptional craftsmanship, modern elegance, and thoughtful architecture that frames stunning views of Lake Ontario.From the moment you enter, you're greeted by a grand foyer leading to soaring ceilings and expansive open-concept living spaces filled with natural light. The chef-inspired kitchen impresses with custom cabinetry, quartz countertops, and a generous island perfect for entertaining. A two-sided fireplace anchors the living area, which opens to a covered terrace-ideal for al fresco dining while listening to the gentle sounds of the lake.The primary suite offers a private sanctuary complete with a spa-inspired ensuite and custom walk-in closet. Additional bedrooms are spacious and beautifully finished, providing comfort and style for family and guests alike.The fully finished lower level adds versatility with room for a media lounge, fitness studio, or guest suite. Outdoor living is elevated with a stone gas fireplace, sauna, and thoughtfully landscaped grounds that invite year-round enjoyment.Additional features include a double garage and professional interior design emphasizing both scale and functionality.Situated in the heart of Northumberland County, Cobourg offers daily VIA Rail service, convenient highway access, proximity to the GTA, and a vibrant downtown brimming with shops, cafés, and cultural attractions-all complemented by one of Ontario's most beloved beaches.Experience timeless elegance and effortless living in this exceptional Cobourg home.
Property Type:
Residential Freehold
Property Sub Type:
Detached
Home Style:
2-Storey
Approx. Age:
6-15
Total Approx Floor Area:
3500-5000
Lot Size:
<.50
Lot Depth:
185'
Lot Frontage:
48'3¼"
Lot Shape:
Irregular
Topography:
Flat
Direction Faces:
East
Bedrooms:
4+1
Bathrooms:
5.0
Water supply:
Municipal
Kitchens:
1
Bedrooms Above Grade:
4
Bedrooms Below Grade:
1
Kitchens Above Grade:
1
Rooms Above Grade:
12
Zoning:
301
Heating type:
Forced Air
Heating Fuel:
Gas
Fireplaces:
4
Foundation:
Concrete
Roof:
Asphalt Shingle
Basement:
Finished, Full
Fireplace Features:
Natural Gas
Fireplace/Stove:
Yes
Garage:
Attached
Garage Spaces:
2.0
Other Structures:
Garden Shed
Parking Features:
Private Triple
Parking Spaces:
6
Total Parking Spaces:
8.0
Family Room:
Yes
Possession Details:
TBA
Lot Irregularities:
Depth 216. North side
Pool:
None
Link:
No
HST Applicable To Sale Price:
Not Subject to HST
Taxes:
$14,938 / 2025
Assessment:
$- / -
Northumberland
Cobourg
Cobourg
Beach, Clear View, Cul de Sac/Dead End, Level, Marina, Library
Air Exchanger, Auto Garage Door Remote, ERV/HRV, Generator - Full, Primary Bedroom - Main Floor, Sauna, Water Heater, Separate Heating Controls, Sump Pump, Storage, Steam Room, Floor Drain
Porch, Patio, Landscaped
Smoke Detector, Carbon Monoxide Detectors
nil
See attachment
Master Bedroom Drapery
Brick, Stone
No
Beach, Lake, Skyline, Water
Multiple Entrances, Open Floor Plan, Remote Devices
Floor
Type
Size
Other
Main
Living Room
18'1" × 11'3"
Main
Kitchen
22'6" × 10'11¼"
Main
Family Room
29'2" × 14'7"
Main
Dining Room
17'9¾" × 11'8½"
Main
Primary Bedroom
19'2" × 13'1½"
Second
Sitting
19'3½" × 16'6"
Second
Laundry
20'10¾" × 18'3"
Second
Bedroom 2
16'8¾" × 13'10"
Second
Bedroom 3
15'11" × 12'10"
Second
Bedroom 4
20'6" × 12'11⅛"
Basement
Office
16'4" × 14'½"
Basement
Recreation
27' × 23'10"
Basement
Bedroom 5
23'6" × 11'8½"
Basement
Utility Room
10'8¾" × 10'6"
Basement
Utility Room
24'5" × 13'1½"
Utilities Cable:
Available
Utilities Telephone:
Available
Utilities Gas:
Yes
Utilities Hydro:
Yes
Utilities Water:
Yes
Sewers:
Yes
Special Designation:
Unknown
Sewers:
Other
Air Conditioning:
Central Air
Central Vacuum:
No
Seller Property Info Statement:
No
Laundry Level:
Upper Level
Date Listed:
Jan 02, 2026
Original Price:
Previous Price:
  • Photo 1: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 1 of 48
  • Photo 2: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 2 of 48
  • Photo 3: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 3 of 48
  • Photo 4: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 4 of 48
  • Photo 5: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 5 of 48
  • Photo 6: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 6 of 48
  • Photo 7: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 7 of 48
  • Photo 8: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 8 of 48
  • Photo 9: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 9 of 48
  • Photo 10: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 10 of 48
  • Photo 11: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 11 of 48
  • Photo 12: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 12 of 48
  • Photo 13: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 13 of 48
  • Photo 14: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 14 of 48
  • Photo 15: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 15 of 48
  • Photo 16: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 16 of 48
  • Photo 17: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 17 of 48
  • Photo 18: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 18 of 48
  • Photo 19: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 19 of 48
  • Photo 20: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 20 of 48
  • Photo 21: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 21 of 48
  • Photo 22: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 22 of 48
  • Photo 23: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 23 of 48
  • Photo 24: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 24 of 48
  • Photo 25: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 25 of 48
  • Photo 26: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 26 of 48
  • Photo 27: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 27 of 48
  • Photo 28: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 28 of 48
  • Photo 29: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 29 of 48
  • Photo 30: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 30 of 48
  • Photo 31: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 31 of 48
  • Photo 32: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 32 of 48
  • Photo 33: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 33 of 48
  • Photo 34: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 34 of 48
  • Photo 35: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 35 of 48
  • Photo 36: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 36 of 48
  • Photo 37: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 37 of 48
  • Photo 38: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 38 of 48
  • Photo 39: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 39 of 48
  • Photo 40: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 40 of 48
  • Photo 41: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 41 of 48
  • Photo 42: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 42 of 48
  • Photo 43: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 43 of 48
  • Photo 44: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 44 of 48
  • Photo 45: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 45 of 48
  • Photo 46: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 46 of 48
  • Photo 47: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 47 of 48
  • Photo 48: 98 Ontario Street S: Cobourg House for sale : MLS®# X12657332
    Photo 48 of 48
Listed by RE/MAX ROUGE RIVER REALTY LTD.
Data was last updated January 3, 2026 at 01:15 AM (UTC)
Area Statistics
Listings on market:
87
Avg list price:
$799,900
Min list price:
$425,000
Max list price:
$1,654,550
Avg days on market:
86
Min days on market:
2
Max days on market:
728
These statistics are generated based on the current listing's property type and located in Cobourg. Average values are derived using median calculations. This data is not produced by the MLS® system.
This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website. The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.