286 Morgan Street, Cobourg, ON K9A 0L4
- Property tax
- $4,842 / year
Welcome to 286 Morgan Street - a beautifully updated bungalow designed for living well, living simply, and living fully. Nestled in a quiet residential neighbourhood just minutes from downtown Cobourg, the beach, schools, and the community centre, this home offers the perfect balance of connection and calm in Cobourg. With 1,184 sq ft of thoughtfully designed main floor living, this is the kind of space that makes everyday life easier. Large windows flood the fully bricked home with natural light, while the open concept layout creates effortless flow from kitchen to living to dining - ideal for quiet mornings with coffee or evenings spent gathered with friends. The kitchen is both stylish and functional, featuring quartz counters, upgraded cabinetry, and a premium gas range that invites you to slow down and enjoy cooking again. Luxury vinyl floors add warmth and durability, while the main floor fireplace creates a cozy focal point for relaxed nights in. The primary suite feels like a true retreat, complete with a generous walk-in closet and easy access to a well appointed bathroom. A second bedroom offers flexibility - guest room, office, or space for family - while main floor laundry with added storage keeps everything convenient and within reach. Downstairs, the finished lower level expands your lifestyle possibilities. A large open recreation space with its own fireplace offers room for movie nights, hobbies, visiting family, or a quiet escape. The additional two piece bath and large storage room ensure everything has its place. Step outside and enjoy a fully fenced backyard designed for low maintenance living. The landscaped setting, composite deck, and hot tub create a welcoming space for summer evenings, casual entertaining, or simply relaxing at the end of the day. It's a backyard that offers enjoyment without the burden of heavy upkeep - ideal for those prioritizing ease and lifestyle over yard work.
- MLS number
- X13760818
- Type
- Semi-Detached
- Status
- Active
- Bedrooms
- 2
- Bathrooms
- 3
- Postal code
- K9A 0L4
- Photos
- 30
- Laundry
- Main Level level
This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Semi-Detached
- Style
- Bungalow
- Class
- Residential Freehold
- Fronting on
- East
- Community
- Cobourg
- Municipality
- Cobourg
- Cross street
- Brook Rd N & Stirling Way
Inside
- Bedrooms
- 2
- Bedrooms above grade
- 2
- Bathrooms
- 3
- Washrooms
- 1 on the main floor · 1 on the main floor · 1 on the basement floor
- Kitchens
- 1
- Rooms above grade
- 5
- Fireplace
- Yes
- Fireplaces
- 2
- Basement
- Full, Finished
- Laundry
- Main Level
- Size
- 1100-1500
Building
- Construction
- Brick
- Roof
- Asphalt Shingle
- Foundation
- Poured Concrete
Parking
- Garage
- Attached
- Covered spaces
- 1
- Driveway spaces
- 1
- Total parking
- 2
- Features
- Private
Land
- Lot
- 30.31 × 101.71 feet
- Pool
- None
Heating, cooling and services
- Heating
- Forced Air
- Heat source
- Gas
- Cooling
- Central Air
- Water
- Municipal
- Sewer
- Sewer
Features
- Property
- Beach, Hospital, Lake/Pond, Park, Rec./Commun.Centre, School
- Interior
- Air Exchanger, Primary Bedroom - Main Floor
- Exterior
- Deck, Hot Tub
Listing
- MLS number
- X13760818
- Status
- New
- Previous status
- Draft
- Listed on
- 2026-09-09
- Expires
- 2027-01-31
- Possession
- 2026-11-30
- Taxes
- $4,842 (2026)
- Board
- Central Lakes Association of REALTORS
Listing history
This address has been listed 3 times.
Where this property is
Where this address sits, matched against open government data.
Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.
Schools
The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.
Other schools nearby
By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.
| School | Level | Distance | Rating |
|---|---|---|---|
| Merwin Greer Public School Kawartha Pine Ridge DSB | Elementary | 398 m | / 10 68% met the standard |
| C R Gummow Public School Kawartha Pine Ridge DSB | Elementary | 737 m | / 10 73% met the standard |
| Cobourg Collegiate Institute Kawartha Pine Ridge DSB | Secondary | 859 m | / 10 67% met the standard · 2 of 6 measures |
| Centre for Individual Studies Northumberland Kawartha Pine Ridge DSB | Secondary | 1.7 km | Not reported |
| St. Joseph Catholic Elementary School Peterborough Victoria Northum Clarington CDSB | Elementary | 1.9 km | / 10 63% met the standard |
| St. Michael Catholic Elementary School Peterborough Victoria Northum Clarington CDSB | Elementary | 1.9 km | / 10 79% met the standard |
How the rating is calculated
EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.
Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.
What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.
Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.
H-Value
What an H-Value is and how it is calculated — the method and our measured error, no account needed.
This neighbourhood
Statistics Canada 2021 Census, for the surrounding few blocks — about 837 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35140168 — the few blocks around this address, home to 837 people. It describes the area, not this property.
Percentages are of the 525 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.
Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.
Work out the numbers
Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.
If you rented it out
How this is calculated, and what it leaves out
Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.
Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.
Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.