648 Cognac Crescent, Pickering, ON
Amberlea, Pickering · MLS® E13849260
About this home
In short
- Welcome to 648 Cognac, a beautifully kept 4 bedroom home on a large, premium private lot in the family friendly Amberlea neighbourhood.
- The bright, open-concept main floor is filled with natural light and designed for everyday living and effortless entertaining.
- Large eat-in kitchen with island and pantry, stainless steel appliances and a walkout to the deck and backyard, where the inground pool becomes the centrepiece of...
- Finished basement adds even more versatility with a possible fifth bedroom, generous rec room, 3-piece bath, and plenty of storage, perfect for guests, teens, or a...
- Numerous upgrades over the years include windows, central air, pool pump, and pool liner.
Welcome to 648 Cognac, a beautifully kept 4 bedroom home on a large, premium private lot in the family friendly Amberlea neighbourhood. With no neighbours to the south or east, this property offers a rare sense of space and privacy. The bright, open-concept main floor is filled with natural light and designed for everyday living and effortless entertaining. Large eat-in kitchen with island and pantry, stainless steel appliances and a walkout to the deck and backyard, where the inground pool becomes the centrepiece of summer gatherings, you'll love the gas BBQ hookup! Spacious primary bedroom is a true retreat, complete with a walk-in closet and a ensuite bathroom. Three additional well-sized bedrooms give the whole family room to grow. Finished basement adds even more versatility with a possible fifth bedroom, generous rec room, 3-piece bath, and plenty of storage, perfect for guests, teens, or a home office. Numerous upgrades over the years include windows, central air, pool pump, and pool liner. Walking distance to all amenities, restaurants, shops, schools both primary and secondary, Altona Forest on your doorstep with walking trials. Easy access to 401, 407, GO and public transit.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13849260
- Bedrooms
- 4
- Bathrooms
- 4 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 45.14 × 132.02 ft
- Cross streets
- Whites and Finch
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Aluminum Siding
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $7,796 / 2026
- Days on market
- 14
- Listing brokerage
- RE/MAX ROUGE RIVER REALTY LTD.
Rooms
Laminate
hardwood floor · closet
fireplace · hardwood floor · window
closet · 2 pc bath
side door · w/o to garage
stainless steel appl · w/o to deck · centre island
hardwood floor · ensuite bath · walk-in closet(s)
laminate · open concept · window
laminate · closet
broadloom · closet
3 pc bath · broadloom · closet
laminate · picture window
Listed at $949,900. Going by how homes in Amberlea and the wider GTA have actually closed against their asking prices (about 98%, 21 local closings in 90 days), the likely sale price is near $929K, if it sells. A realistic range is $870K to $1.05M.
Independent value check: $1.06M. Without looking at the asking price, our model values the home itself about 11% above the ask (homes like it typically land between $990K and $1.11M).
Why $1.06M. The typical detached home sold in Amberlea over the past year went for about $1.01M (90 sales). What sets this one apart:
- ▲ Raises itIts tax bill, which follows the city's own assessment, is $7,796 a year; the typical home sold here pays about $7,100.
- ▲ Raises itIt is 2,000 to 2,500 sq ft; the typical home sold here is 1,750 to 2,250.
Total price vs nearby homes. Likely closing about $929K, from 21 recent closings in this pocket.
The market behind the math:
About 2.1 months of inventory: 15 detached homes for sale in the area against 21 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $422/sqft against an area asking average of $512/sqft.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 21 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.07M. Condition and finishes remain an in-person call.
What the listing highlights3 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed. Weigh carefully
- Open-concept layout: modern, sought-after flow. Lifestyle
Based on 21 comparable homes that sold in Amberlea over the past two years, from 193 closings there.
The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $460/sqft; this home lists at $422/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 6 active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Amberlea: $865K in September 2026, down 12% from a year ago, on 76 closings in 8 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.14M | 7 |
| November 2025 | $1.03M | 8 |
| March 2026 | $1.02M | 9 |
| May 2026 | $1.03M | 11 |
| June 2026 | $1.07M | 11 |
| July 2026 | $950K | 13 |
| August 2026 | $935K | 7 |
| September 2026 | $865K | 10 |
Neighbourhood & location
Amberlea, Pickering, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Pickering.
Get the full neighbourhood report (schools, parks, transit & safety) →
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 16, 2026); conventional rates run a little higher.
Mortgage amount $759,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,202
- Property tax
- $650
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,851
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15,473
- Estimated closing costs
- $15,473
Plus your down payment of $189,980. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $252,104
- Principal paid down
- $92,848
- Interest paid
- $159,255
- Balance remaining
- $667,072
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersThe last 17 whole-home leases in Amberlea signed at a median of $3,986 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,941. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX ROUGE RIVER REALTY LTD.. MLS®/PropTx.