109 3rd Concession Road
Greater Napanee, ON
3 bed • 2 bath • approx. 1100-1500 sqft • Detached • 15 days on market
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.
Virtual Tour
Virtual Tour Available
Listing Details
- Taxes (2026)
- $5,547
- Listed
- August 12, 2026
Price History
Property
- Style
- Bungalow
- Age
- 31-50
- Construction
- Brick, Stone
- Roof
- Metal
- Foundation
- Block
- Interior
- Water Softener, Water Treatment
- Lot Size
- 40.82 x 443.84 Metres
Utilities
- Water
- Drilled Well
- Sewer
- Septic
- Heat Source
- Propane
Location & Legal
- Cross Street
- South Shore Road and Third Concession Road
- Zoning
- SR
- Parcel Number
- 451020107
- Possession
- Flexible
Commercial
- Occupancy
- Owner
Included
- Inclusions
- Fridge, Stove, Dishwasher, Washer, Dryer, Hot Tub, Lower Level Fridge
- Rental Items
- Propane Tanks
Waterfront
- Water Body
- Hay Bay
- Shoreline
- Clean, Rocky
- 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
- 215
- Median days on market
- 39
- Sale-to-list price
- 95.1%
Based on 215 recorded sales of residential freehold properties in Greater Napanee over the last 12 months.
Rooms
3-piece on Main, 3-piece on Lower
Main
- Bathroom9'10" x 6'5"
- Bedroom19'2" x 10'4"
- Bedroom16'6" x 10'3"
- Dining Room10' x 8'8"
- Kitchen21'1" x 17'10"
- Living Room14'3" x 11'6"
Lower
- Bathroom11'2" x 11'
- Laundry12'8" x 10'
- Office8'10" x 8'2"
- Other15'1" x 9'10"
- Other18'6" x 12'10"
- Primary Bedroom16'5" x 15'11"
- Recreation20'4" x 17'10"
Listed by
RE/MAX FINEST REALTY INC., BROKERAGE
Location
Mortgage Calculator
$199,980
Estimated Monthly Payment
$4,912
Investment Analysis
No recent nearby lease data. Enter a rent to see the numbers.
Mortgage: $4,912/mo (20% down, 5.5%)
Taxes: $462/mo · Insurance: $250/mo
Estimates only. Consult a financial advisor.
Reita | Assistant
Online
Reita is an automated assistant, not a licensed real estate agent. I can help you explore neighbourhoods, understand the market, and find our free tools. What are you looking for?