77 Havelock Street, Cobourg, ON

$1,649,000
MLS#:X13460980
4 beds
3 baths
3500-5000 sqft
4.0 parking
Residential Freehold
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Added:Jun 18, 2026(76 days ago)
Updated:Aug 27, 2026(6 days ago)
Last Checked:19 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Cobourg. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $1,649,000 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.

  • 4 Bedrooms and 3 Bathrooms
  • Generous living space spanning 3500-5000 sqft on a premium 138.01 x 134.31 ft lot
  • Features a unfinished, walk-up, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Auto Garage Door Remote, Carpet Free, Water Heater Owned
  • equipped with wall unit(s) central cooling and highly efficient forced air heating via gas

Description

Welcome to The Reynar House, an iconic c.1876 heritage residence and one of Cobourg's most celebrated Victorian homes. Originally commissioned by the Hayden family as a wedding gift for their daughter, Ida, and her husband, Alfred Reynar, a professor at Victoria College, this distinguished property offers a rare opportunity to own a remarkable piece of the town's history. Situated on a prominent corner lot in one of Cobourg's most desirable heritage neighborhoods, The Reynar House is a striking example of late Victorian architecture, with its classic square design, prominent bay windows, decorative eave brackets, and symmetrical façade. Recognized as a local landmark, it is featured on the Cobourg Architectural Conservation Society's historic walking tour. Surrounded by mature trees, perennial gardens, and an expansive fully fenced yard, the property offers exceptional privacy in a park-like setting. A long gated driveway and detached garage add both charm and convenience. Inside, soaring 10-foot ceilings on the main and second floors, a traditional center hall plan, and generously sized principal rooms create an elegant yet welcoming atmosphere. Original stained-glass transoms, beautiful vestibule doors, rich hardwood floors with intricate inlay, multiple fireplaces, and other period details showcase the craftsmanship of a bygone era. The second floor features four spacious bedrooms and two beautifully renovated four-piece bathrooms, blending modern comfort with historic character. A sunroom, third-floor loft, and full basement with walk-up access add to the home's versatility. Just steps from Downtown Cobourg, Victoria Park, the marina, boutique shops, cafés, restaurants, pubs, and Cobourg's renowned beach, The Reynar House is more than an exceptional home-it's a rare opportunity to own one of the community's most treasured landmark properties, where timeless elegance and modern living come together.

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Property Summary

This detached home located at 77 Havelock Street, Cobourg is currently for sale and has been available on zoozaa for 76 days. This property is listed at $1,649,000 with an estimated mortgage of $5,489* per month. It has 4 beds, 3 bathrooms, and is 3500-5000 square feet. 77 Havelock 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?

Yes! Featuring 4 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Cobourg, Cobourg.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •3500-5000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Cobourg, Cobourg.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
3
Kitchens
1
Living Area
3500-5000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedJun 18, 2026 (76 days ago)
UpdatedAug 27, 2026 (6 days ago)
Last Checked19 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementUnfinished, Walk-Up, Full
Lot Size138.01 Ă— 134.31 Feet
CountyNorthumberland
Annual Tax$9,217
Legal DescriptionPT BLK I S/S UNIVERSITY AV AND W/S GEORGE ST PL CADDY (FORMERLY LT 17 CON A HAMILTON) COBOURG PT 1 39R1261; COBOURG

Parking & Garage

Parking Total4.0
Parking Space3
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingWall Unit(s)

Features

Property Features

  • Arts Centre
  • Beach
  • Library
  • Marina
  • Place Of Worship
  • Park

Interior Features

  • Auto Garage Door Remote
  • Carpet Free
  • Water Heater Owned
  • Storage

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 77 Havelock Street, Cobourg, ON

Q.What is the asking price for 77 Havelock Street, Cobourg, ON ?

The current listing price for 77 Havelock Street, Cobourg, ON in Cobourg, Cobourg is $1,649,000.

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

This property features 4 bedrooms and 3 bathrooms across approximately 3500-5000 sqft.

Q.What property type and architectural style is 77 Havelock Street, Cobourg, ON ?

77 Havelock Street, Cobourg, ON is a Detached (2-Storey) featuring a Unfinished, Walk-Up, Full basement.

Q.What key property features does 77 Havelock Street, Cobourg, ON offer?

Key property features include: Arts Centre, Beach, Library, Marina, Place Of Worship, Park.

Q.What interior features are included in this home?

Interior highlights include: Auto Garage Door Remote, Carpet Free, Water Heater Owned, Storage.

Q.What security features are installed at 77 Havelock Street, Cobourg, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (Detached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Wall Unit(s).

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Location

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77 Havelock 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–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 & 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 77 Havelock Street, Cobourg, ON K9A 2J5

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$494,700 (30.0%)
* Minimum Canadian down payment required for this price is $329,800.
Amortization Period30 Years
Estimated Monthly Payment$5,489Based on a loan of $1,154,300 over 30 years.
Purchase Price$1,649,000
Loan Amount$1,154,300
Provincial Land Transfer Tax:$29,455
Total Estimated Closing Taxes:$29,455

About Purchasing a Home in Cobourg, ON

For a property listed at $1,649,000 in Cobourg, the legal minimum down payment is $329,800 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 $29,455 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 $29,455.

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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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