Listed for:Listed Aug 12, 2026
$999,900

109 3rd Concession Road

Greater Napanee, ON K7R 3K7

Detached House For Sale
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Sale & Price History for 109 3rd Concession Road, Greater Napanee, Greater Napanee

No listing history available

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 109 3rd Concession Road, Greater Napanee, Greater Napanee

Summarized Description

  • Rare waterfront home on over 4 acres
  • Extensively updated with modern features
  • Bonus off-grid cottage at shoreline
  • Panoramic views from large windows
  • Fully finished lower level with rec room
  • Multiple detached workshops and storage
  • Private laneway leads to waterfront
  • Large dock and kayak storage available

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.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$5,547
Land Transfer Tax Fee
$16,473

Rental Items

Rental Equipment
Propane Tanks
Under Contract
Propane Tank

Basement Type
Full, Finished

Interior Features

Laundry Level
Lower Level
Interior Extras
Water Softener, Water Treatment
View
Lake
Fireplace/Stove
No
Elevator
No

Exterior Features

Exterior Extras
Deck, Landscaped, Patio
Pool
None
Property Features
Lake/Pond
Other Structures
Out Buildings

Building

Building Type
Detached
Building Style
Bungalow
Approx Age
31-50

Construction

Exterior Finish
Brick, Stone
Roof
Metal
Foundation Details
Block
Special Designation
Unknown

Lot

Lot Front
40.82 m
Lot Depth
443.84 m
Lot Size
4.11

Inclusions

Inclusions
Fridge, Stove, Dishwasher, Washer, Dryer, Hot Tub, Lower Level Fridge

Parking & Garages

Garage Type
Attached
Garage Spaces
1
Parking Spaces
4
Total Garage And Parking Spaces
5

Heating & Cooling

Heat Source
Propane
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Well
Sewers
Septic
Natural Gas
No
Hydro
Yes
Cable
No
Telephone
Available

Bedrooms
2 + 1
Washrooms
2
Kitchens
1

Room sizes

  • Office—
    Lower level
  • Bedroom—
    Main level
  • Living Room—
    Main level
  • Kitchen—
    Main level
  • Laundry—
    Lower level
  • Primary Bedroom—
    Lower level
  • Recreation—
    Lower level
  • Other—
    Lower level
  • Bathroom—
    Main level
  • Dining Room—
    Main level
  • Bathroom—
    Lower level
  • Bedroom—
    Main level
  • Other—
    Lower level

Washrooms

  • 3-piece, Main
  • 3-piece, Lower

Municipality
Greater Napanee
Neighbourhood
Greater Napanee
Main cross streets
South Shore Road and Third Concession Road
Zoning
SR
Directions
County Road 8 or Loyalist Parkway to South ShoreRoad to Third Concession Road
Waterfront
Direct

MLS® number
X13666604
Data source
Toronto Regional Real Estate Board
Listed on
2026-08-12
Updated on
2026-08-12
Days on market
76 days
Possession type
Flexible
Co-op commission
2%
Seller
Listed by
RE/MAX FINEST REALTY INC., BROKERAGE

Home Market Value

Current home valuation for 109 3rd Concession Road, Greater Napanee, Greater Napanee, Greater Napanee, ON. Listed for $999,900

HOMEH Estimate

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Estimated Sales Range

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HOMEH Estimate for 109 3rd Concession Road, Greater Napanee, Greater Napanee

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
Greater Napanee, ON
Minimum Down Payment Required:7.5%

5% on first $500K + 10% on $499,900 over $500K

Minimum down payment

$74,990

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$36,996$27,897$23,798$0
=Total mortgage
$961,903$927,807$873,713$799,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$4,696monthly$4,530monthly$4,266monthly$3,906monthly
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Land Transfer Tax

Provincial

$16,473

Total Land Transfer Tax

$16,473

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