540 Division Street, Cobourg, ON

$995,000
MLS#:X12793052
0 beds
1 baths
Commercial
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Added:Feb 17, 2026(197 days ago)
Updated:Feb 18, 2026(196 days ago)
Last Checked:6 minutes ago

Property Highlights

Welcome to this remarkable commercial retail located in the coveted neighborhood of Cobourg. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $995,000 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.

  • 0 Bedrooms and 1 Bathroom
  • Premium 122 x 1281 ft lot size
  • equipped with no central cooling and highly efficient gas forced air closed heating

Description

Exceptional opportunity to acquire a 3.5-acre light manufacturing property in the Town of Cobourg. Featuring 122 feet of frontage and an existing 4500 sf building formerly operating as a building supply outlet (continued use permitted). This property offers immediate functionality for contractors, trades, equipment operators, or yard-based businesses. Light manufacturing zoning allows for a wide range of permitted uses. Due to the parcel's configuration and setback parameters, the site is ideally suited for compound-style operations including outdoor storage, fleet staging, contractor yards, mini storage units, equipment sales, or hybrid yard + shop configurations. Backing onto the CN rail corridor, the property benefits from industrial separation and no rear residential neighbors. Large yard component provides significant operational flexibility. Opportunities of this scale in Cobourg's industrial market are increasingly rare. Ideal for owner-operators seeking long-term cost control and asset ownership versus rising lease rates.

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Property Summary

This commercial retail located at 540 Division Street, Cobourg is currently for sale and has been available on zoozaa for 197 days. This property is listed at $995,000 with an estimated mortgage of $3,312* per month. It has 0 beds, 1 bathroom, and is unknown square feet. 540 Division Street, Cobourg is in the Cobourg neighborhood.

Work with the SOUSA TEAM to unlock your .

* 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 well-appointed bathroom
  • •Desirable Commercial Retail architecture in Cobourg, Cobourg
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Bathrooms
1
Property Type
Commercial

Additional Details

StatusActive
AddedFeb 17, 2026 (197 days ago)
UpdatedFeb 18, 2026 (196 days ago)
Last Checked6 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeCommercial Retail
Lot Size122 × 1281 Feet
CountyNorthumberland
Annual Tax$8,123
Legal DescriptionPART PARK LOTS B & R & PART OF WELLINGTON STREET (CLOSED BY INSTRUMENT CG5138), CADDY PLAN, PART 2, 39R13709 TOWN OF COBOUR

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Closed
CoolingNo

Features

Property Features

None listed

Interior Features

None listed

Security Features

  • No

Community Features

  • Major Highway

Frequently Asked Questions about 540 Division Street, Cobourg, ON

Q.What is the asking price for 540 Division Street, Cobourg, ON ?

The current listing price for 540 Division Street, Cobourg, ON in Cobourg, Cobourg is $995,000.

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

This property features null bedrooms and 1 bathroom.

Q.What property type and architectural style is 540 Division Street, Cobourg, ON ?

540 Division Street, Cobourg, ON is a Commercial Retail () featuring a basement.

Q.What neighborhood and community amenities are nearby?

Community features and nearby amenities include: Major Highway.

Q.What security features are installed at 540 Division Street, Cobourg, ON ?

Security features include: No.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via No.

Virtual Tour & 3D Walkthrough

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Location

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540 Division Street, 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–¼ 6%

Improving vs previous year

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

Formula: (Annual Occurrences / Population) × 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 & GTHA 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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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 540 Division Street, Cobourg, ON K9A 3S4

Estimated Sales Range
$1.2M - $1.4M

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$298,500 (30.0%)
* Minimum Canadian down payment required for this price is $74,500.
Amortization Period30 Years
Estimated Monthly Payment$3,312Based on a loan of $696,500 over 30 years.
Purchase Price$995,000
Loan Amount$696,500
Provincial Land Transfer Tax:$16,375
Total Estimated Closing Taxes:$16,375

About Purchasing a Home in Cobourg, ON

For a property listed at $995,000 in Cobourg, the legal minimum down payment is $74,500 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 $16,375 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 $16,375.

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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?

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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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