Gurvinder Nokwal REALTOR®
For Sale Detached 67 days on market

$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

Room Level Dimensions
Office Lower 8′ 10″ × 8′ 2″
Bedroom Main 19′ 2″ × 10′ 4″
Living Room Main 14′ 3″ × 11′ 6″
Kitchen Main 21′ 1″ × 17′ 10″
Laundry Lower 12′ 8″ × 10′ 0″
Primary Bedroom Lower 16′ 5″ × 15′ 11″
Recreation Lower 20′ 4″ × 17′ 10″
Other Lower 15′ 1″ × 9′ 10″
Bathroom Main 9′ 10″ × 6′ 5″
Dining Room Main 10′ 0″ × 8′ 8″
Bathroom Lower 11′ 2″ × 11′ 0″
Bedroom Main 16′ 6″ × 10′ 3″
Other Lower 18′ 6″ × 12′ 10″

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

Minimum for this price: $74,990 (7.5%)

Amortization, years

Estimated mortgage payment

$4,427 per month

Principal and interest
$4,427
Property tax
$462
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
Total, before legal fees
$216,453
Talk to me about financing

Estimates 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

109 3rd Concession Road, Greater Napanee, ON K7R 3K7 58 - Greater Napanee, Greater Napanee, ON K7R 3K7
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$999,900 109 3rd Concession Road, Greater Napanee, ON K7R 3K7
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