869 Third Concession Road
Greater Napanee, ON
3 bed • 3 bath • approx. 1100-1500 sqft • Detached • 66 days on market
Nestled along the shores of Hay Bay, 869 Third Concession Rd offers a beautiful waterfront retreat with space, comfort, and year-round versatility. Set in a peaceful waterfront setting, this property is ideal for enjoying everything the Bay of Quinte region is known for-boating, fishing, kayaking, swimming, birdwatching, stunning sunsets, and relaxed cottage-country living, all while remaining within easy reach of Napanee amenities, local shops, restaurants, golf, wineries, and nearby Prince Edward County. The main floor offers a bright and functional layout with a spacious kitchen, dining area, and an impressive living room featuring a cozy fireplace. Dramatic floor-to-ceiling windows fill the home with natural light and capture the beauty of the surrounding setting. Sliding patio doors that open to the deck, creating a seamless indoor-outdoor flow that is perfect for entertaining, barbecuing, or simply relaxing while taking in the views. A generous sunroom provides even more space to unwind. The main floor office is currently being used as a bedroom, offering flexible space for guests, or remote work. The main floor bathroom features both a jacuzzi tub and a stand-up shower, creating a comfortable spa-like retreat. Upstairs, you'll find two well-sized bedrooms, plus a convenient 2-piece bathroom. The finished lower level adds excellent additional living space with a large rec room, another bedroom, 3-piece bathroom, laundry/utility area perfect for hosting family and friends or creating a games room, media space, or guest suite. With the furnace and A/C replaced in 2024, this home offers added peace of mind through every season. Whether you are looking for a year-round home, a vacation property, or a rental property, this Hay Bay cottage delivers incredible flexibility in a sought-after waterfront location. Enjoy quiet rural surroundings, endless outdoor recreation, and the charm of Greater Napanee living from this inviting Bay-side property.
Virtual Tour
Virtual Tour Available
Listing Details
- Taxes (2026)
- $4,756
- Listed
- June 22, 2026
Price History
Property
- Style
- 2-Storey
- Construction
- Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation
- Concrete
- Interior
- ERV/HRV, Sump Pump, Water Softener, Water Treatment, Water Purifier, Water Heater Owned
- Lot Size
- 80 x 125 Feet
Utilities
- Water
- Drilled Well
- Sewer
- Septic
- Heat Source
- Propane
Location & Legal
- Cross Street
- Third Concession/Staples Ln
- Parcel Number
- 451020255
- Possession
- Flexible
Commercial
- Occupancy
- Vacant
Included
- Inclusions
- All Appliances and Furniture
- Exclusions
- Sellers personal belongings, and large fish over fire place
- Rental Items
- Propane Tanks
Waterfront
- Water Body
- Hay Bay
- Shoreline
- Clean, Natural
- Docking
- Private
Community
Postal area K7R
- Population
- 15,480
- Private dwellings
- 6,845
- Median age
- 50.4
- Average household size
- 2.3
- Median household income
- $77,000
Source: Statistics Canada, 2021 Census of Population, catalogue 98-401-X2021013. Adapted from Statistics Canada. This does not constitute an endorsement by Statistics Canada of this product.
Local market
Residential Freehold in Greater Napanee · last 12 months
- Median sold price
- $500,000
- Homes sold
- 216
- Median days on market
- 38
- Sale-to-list price
- 95.1%
Based on 216 recorded sales of residential freehold properties in Greater Napanee over the last 12 months.
Rooms
4-piece on Main, 2-piece on Second, 3-piece on Basement
Second
- Bathroom3'3" x 6'
- Bedroom 213'3" x 14'5"
- Primary Bedroom13'5" x 14'4"
Main
- Bathroom6'11" x 11'
- Dining Room16'3" x 12'4"
- Foyer7'7" x 6'6"
- Kitchen9'6" x 17'10"
- Living Room19'10" x 16'9"
- Office13'5" x 10'11"
- Sunroom30'10" x 14'4"
Basement
- Bathroom7'1" x 6'1"
- Bedroom 312'11" x 11'7"
- Recreation17' x 27'11"
- Utility Room12'11" x 14'4"
Listed by
MCCAFFREY REALTY INC., BROKERAGE
Location
Mortgage Calculator
$219,980
Estimated Monthly Payment
$5,403
Investment Analysis
No recent nearby lease data. Enter a rent to see the numbers.
Mortgage: $5,403/mo (20% down, 5.5%)
Taxes: $396/mo · Insurance: $275/mo
Estimates only. Consult a financial advisor.
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