Hi there Mark - Sounds like from your post on geneology.com that I am your distant cousin! I live in Atlanta, Georgia.
I have a VERY detailed family tree that I received when my grandfather passed away with our family history, and Tobias Coady is one of the guys at the top of the tree. On it, it says Tobias Coady was born in Ireland and his wife Susan Pennel was born in England. Says they moved from Ireland to Newfoundland, then migrated to PEI lot 49. On the tree, it does have Tobias Jr as one of his sons (who married a Catherine A???? (can't read the writing on the last name). Tobias Sr.'s grandson (from one of his daughters - Catherine) is the line I am associated with. Catherine married Patrick Clarkin - who it is documented on the tree I have is from Monagahan, and that is where they were also married. So, it is hard to say for sure but if the family all stuck together, Tobias may also be from Monaghan.
Lots of other interesting stuff on the tree like marriage dates and ship they came over on also.