For SaleDetached

$1,099,900

869 Third Concession Road, Greater Napanee, ON

58 - Greater Napanee, Greater Napanee, ON K7R 3K7

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Bedrooms
3
2 above grade, 1 below.
Bathrooms
3
Full and half bathrooms as the listing totals them.
Interior area
1,100 to 1,500 sqft
A band, not a measurement. Interior area as the listing states it. It does not say whether the figure was measured on site or taken from builder plans.
Property type
Detached
Style as listed: 2-Storey.
Second dwelling
The listing does not say whether there is a second dwelling unit here. Other records in this set state it either way, so this is a silence rather than a no.

Counts and measurements as the listing states them, not verified by us. Source: MLS

How this price compares

Three parties produce a dollar figure for this house, for three different purposes, so they do not agree and were never meant to. The gaps are worked out here rather than left for you to hold in your head.

Asking price
$1,099,900
Set by the seller and their brokerage. It is a request, and nothing tests it until an offer arrives.
Source: MLS
Our estimate
Our estimate: Not shown: our current listing agreement does not licence this figure for display.
Modelled from comparable sales by the explorer further down this page. Change the comparables there and this number moves, which is the reason it is shown at all.
Modelled from comparable sales, not an appraisal
Assessed value, 2026
Nothing of this kind on the record, and nothing here fills it in from an average of other houses.
The figure property tax is apportioned from, valued as of a date that is not today. It is not a market value and no lender treats it as one.
Municipal assessment and tax roll

Price per square foot

$846

asking price over 1,300 sqft, an area the listing does not source

Days on market

N/A

no area average shown: our current listing agreement does not licence market statistics

None of these is an appraisal. Your lender orders one of those once an offer is accepted, and it is the figure that decides how much they will actually lend.

More about this property

About this property

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.

Written by the listing brokerage to sell the house. Nothing in it is verified, so take its claims about condition to an inspection, not from it.

Nest 360 estimate

Our estimate for this listing is not shown here

Not shown: our current listing agreement does not licence this figure for display.

The estimate is built by weighing recent comparable sales, and sold comparables for a specific property are licensed to registered users only. It is withheld rather than approximated: an estimate with the sales taken out of it would be a number with nothing behind it.

Price and listing history

This listing's price and status history is not shown here

Not shown: our current listing agreement does not licence this figure for display.

Prior asking prices, terminations and relists are licensed to registered users only, and there are no accounts on Nest 360 yet. Nothing here should be read as evidence that the current price is the only price this house has been offered at.

Property details

Type: Detached
Style: 2-Storey
Bedrooms: 3 (+1 lower)
Bathrooms: 3
Kitchens: 1
Living area: 1,100 to 1,500 sqft
Lot size: 80 by 125 ft
Status: For Sale
Occupancy: Vacant

Features

The pills are copied from the listing and sorted for reading, with nothing added to them, and a group the listing did not fill in is absent rather than empty. Where a group is written as sentences instead, those are ours: what the listing named, and what it means.

Outside

Deck
Fishing
Porch
None pool
Waterfront

Also listed

On the record, and not one of the groups above.

ERV/HRV
Sump Pump
Water Softener
Water Treatment
Water Purifier
Water Heater Owned

Interior and systems

Heating: Forced Air · Propane
Cooling: Central Air
Basement: Full, Finished
Construction: Vinyl Siding
Roof: Asphalt Shingle
Foundation: Concrete
Water: Drilled Well
Sewer: Septic

Parking and exterior

Driveway spaces: 2
Total parking: 2
Pool: None
Waterfront: Yes
Exterior features: Deck, Fishing, Porch

Taxes and assessment

Assessment year: 2026
Annual property tax: $4,756
Tax year: 2026

Property tax by year

Location and neighbourhood

Market trend

Neighbourhood market statistics is not shown here

Not shown: our current listing agreement does not licence this figure for display.

Medians, sale-to-list ratios and absorption are computed from sold prices, and they are licensed to registered users only. There is no approximate version of a median that would be honest to show in their place.

What you would actually pay

$5,285/mo

All-in: mortgage, tax, heat and utilities

Down payment20% · $219,980

At 20% or more there is no CMHC premium.

Amortization

Mortgage$4,739

Property tax$396

Heat and utilities (est.)$150

20% down · 4.23% indicative 5-yr fixed · . ; heat and utilities estimated. Figures illustrative.

Compare lenders and private options

See it in person

It asks one question first: whether someone is already acting for you. That answer changes who books the visit and who is on your side inside the house.

Listed by

Contact details for the listing agent are not shown: our current listing agreement licences them to registered users only.

Sourced from: Toronto Regional Real Estate Board, via PropTx RESO Web API. Last updated Jul 15, 2026.

869 Third Concession Road, Greater Napanee, ON

How this price compares

More about this property

About this property

Nest 360 estimate

Price and listing history

Property details