109 3rd Concession Road
Greater Napanee, Ontario K7R 3K7
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 16x24 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. (id:28469)
Virtual tour
Facts & features
Property
- MLS® Number
- X13666604
- Property Type
- Single Family
- Community Name
- 58 - Greater Napanee
- Ownership
- Freehold
- Easement
- Environment Protected
- Equipment Type
- Propane Tank
- Parking Space Total
- 5
- Rental Equipment Type
- Propane Tank
- Structure
- Deck, Patio(s), Outbuilding, Dock
- View Type
- Lake View, Direct Water View
- Water Front Name
- Hay Bay
- Water Front Type
- Waterfront
Building
- Bathroom Total
- 2
- Bedrooms Above Ground
- 2
- Bedrooms Below Ground
- 1
- Bedrooms Total
- 3
- Age
- 31 To 50 Years
- Appliances
- Water Softener, Water Treatment, Dishwasher, Dryer, Stove, Washer, Refrigerator
- Architectural Style
- Bungalow
- Basement Development
- Finished
- Basement Type
- Full (finished)
- Construction Style Attachment
- Detached
- Cooling Type
- Central Air Conditioning
- Exterior Finish
- Brick, Stone
- Foundation Type
- Block
- Heating Fuel
- Propane
- Heating Type
- Forced Air, Radiant Heat
- Stories Total
- 1
- Size Interior
- 1,100 - 1,500 Sqft
- Type
- House
- Utility Water
- Drilled Well
Parking
- Attached Garage
- —
- Garage
- —
Land
- Access Type
- Private Docking
- Acreage
- Yes
- Landscape Features
- Landscaped
- Sewer
- Septic System
- Size Depth
- 443.84 M
- Size Frontage
- 40.818 M
- Size Irregular
- 40.8 X 443.8 M
- Size Total Text
- 40.8 X 443.8 M|2 - 4.99 Acres
- Surface Water
- Lake/pond
- Zoning Description
- Sr
Utilities
- Electricity
- Installed
- Wireless
- Available
The Greater Napanee market
Monthly payment estimate
- Mortgage amount
- —
- Total interest
- —
Down payments under 20% typically require mortgage default insurance (CMHC), which is not included in this estimate.
Estimate only — excludes property tax, insurance and condo fees. Rates compound semi-annually as is standard for Canadian mortgages.
Cost of ownership
- Est. monthly payment
- $4,427/mo
- Ontario land transfer tax
- $16,473 one-time
Payment assumes 20% down over 25 years. First-time buyers may get up to $4,000 back on land transfer tax.
Rooms
Lower Level
- Other 4.59 m x 2.99 m
- Office 2.69 m x 2.48 m
- Laundry Room 3.86 m x 3.04 m
- Recreational, Games Room 6.19 m x 5.43 m
- Primary Bedroom 5 m x 4.85 m
- Bathroom 3.4 m x 3.35 m
- Other 5.63 m x 3.91 m
Main Level
- Kitchen 6.42 m x 5.43 m
- Dining Room 3.04 m x 2.64 m
- Living Room 4.34 m x 3.5 m
- Bedroom 5.84 m x 3.14 m
- Bedroom 5.02 m x 3.12 m
- Bathroom 3 m x 1.95 m
What's nearby
Location
109 3rd Concession Road, Greater Napanee, Ontario K7R 3K7 · Get directions
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- Last Updated
- August 12 2026 03:20:30
- Data Provider
- Kingston & Area Real Estate Association
- Listing Office
- RE/MAX Finest Realty Inc., Brokerage