$999,900
Est. payment $4,427/moCalculate yours
109 3rd Concession Road, Greater Napanee, ON K7R 3K7
58 - Greater Napanee, Greater Napanee, ON K7R 3K7
- 2 + 1 Beds
- 2 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of RE/MAX FINEST REALTY INC., BROKERAGE MLS® X13666604
About this home
A truly rare offering with this extensively updated waterfront home on over 4 acres of land, complete with a bonus off-grid cottage right at the shoreline. Properties of this size, character, and versatility are almost impossible to find. The main home has been beautifully updated throughout. The gorgeous kitchen features a huge L-shaped granite island, ample cabinetry, and a propane stove, flowing seamlessly into the dining and living rooms where large panoramic windows capture stunning water views. Two comfortable bedrooms with generous closet space and an updated full bathroom complete the main level, with direct access to your covered 16×24 deck, the perfect spot to enjoy the view. The fully finished lower level offers incredible additional living space, including a large rec room, a huge bedroom with double walk-in closets, and a full bathroom with an enormous tiled walk-in shower. A bonus music room and another bonus room featuring a hot tub and bar create endless entertainment options. Walk out to your stamped concrete patio with direct propane BBQ hookup. Potential to reconfigure the layout to add bedrooms if needed. Outside, 4+ acres provide space to breathe, with multiple detached outbuildings currently used as workshops and storage. A separate private laneway leads directly to the waterfront and your very own bonus cottage with 2 beds with tongue and groove wall and ceiling, a large living room warmed by a cozy wood stove, insulation, and updated windows. The waterfront wraps around two sides, offering a viewing area deck, boat launch, a large dock into the inlet bay, and even a dedicated kayak storage building. Fish, swim, paddle, or simply soak it all in. Home, cottage, workshops, acreage, and water. This is a one of a kind property that must be seen to be fully appreciated.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Approximate Age
- 31-50
- Size
- 1,100 sqft
Interior
- Bedrooms
- 2 + 1
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Full, Finished
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Block
- Roof
- Metal
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 40.818 x 443.84 Metres
- Parking
- Attached garage · 5 total
- Zoning
- SR
Financial
- Property Taxes
- $5,547 (2026)
Location
- Neighbourhood
- 58 - Greater Napanee
- Cross Street
- South Shore Road and Third Concession Road
- Direction Faces
- North
Listing
- MLS® Number
- X13666604
- Days on Market
- 67
- Listed On
- 2026-08-12
- Possession
- Flexible
- Listed By
- RE/MAX FINEST REALTY INC., BROKERAGE
Rooms
Features
Interior
- Water Softener
- Water Treatment
Property
- Lake/Pond
Pool
- None
- Included
- Fridge, Stove, Dishwasher, Washer, Dryer, Hot Tub, Lower Level Fridge
- Rental items
- Propane Tanks
Mortgage calculator
Estimated mortgage payment
$4,427 per month
- Principal and interest
- $4,427
- Property tax
- $462
- Condo fees
- $0
- Estimated monthly cost
- $4,890
Your mortgage
- Mortgage amount
- $799,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $528,282
Cash to close
- Down payment
- $199,980
- Land transfer tax
- $16,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $216,453
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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