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Cobalt CS23 Surf keeps an estimated 62% of its value after 5 years — #4054 of 5780 boats VINdown tracks. See the full curve and the best year to buy.
Per VINdown's modeling, the Cobalt CS23 Surf retains an estimated 62% of its value after five years, ranking #4054 of 5780 boats we track. That is roughly in line with the 62% five-year average for Cruiser in its class.
Most of the loss lands early: the Cobalt CS23 Surf sheds about 17% of its value in year one alone. From roughly $150,882 it falls to around $92,943 by year five — a five-year loss near $57,939, about $31.75 a day in depreciation.
Because the steepest drop hits around year 2, a lightly-used Cobalt CS23 Surf bought at 2 years old lets the first owner absorb the worst of the depreciation while the curve flattens — usually the value sweet spot. Explore the full year-by-year curve, trims, and true cost of ownership in the Model Lab above.
It keeps an estimated 62% of its value after five years — worse than most among the 5780 boats VINdown tracks (ranked #4054).
From about $150,882 when new it drops to roughly $92,943 after five years — a loss near $57,939 (62% of its value retained).
Around 2 years old: that is just past the steepest depreciation, so you skip the biggest drop while the value curve is flattening.