The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Welcome to your own piece of waterfront paradise on beautiful Hay Bay. This charming elevated bungalow offers the perfect blend of comfort and relaxation, with breathtaking views and direct access to some of the best boating and fishing in the area. Enjoy peaceful mornings and stunning sunsets from the large deck overlooking the water with 76 ft (23.16m) of your own water frontage, or take a short boat ride to Picton Harbour where you can explore local restaurants and wineries. Inside, the home features an inviting open concept layout that seamlessly connects the kitchen, living, and dining areas, accented by warm exposed beams and a cozy propane fireplace for those cool evenings. The sunroom just off the dining area is the perfect spot to unwind and take in the view year-round. The main level offers three comfortable bedrooms, including a primary suite complete with a private three-piece ensuite. The fully finished lower level extends your living space with a spacious rec room featuring another propane fireplace, ideal for entertaining family and friends. Outside, the property includes a detached double car garage, a generator hook up for peace of mind, and a newer ductless heat and air conditioning system to keep you comfortable in every season. Whether you're looking for a year-round home or the perfect waterfront getaway, this Hay Bay gem delivers a true blend of lifestyle, comfort, and adventure.
Property Details
Listing
MLS® number
X13440198
Status
For Sale
Listed
Jun 12, 2026
Last updated
Sep 25, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow-Raised
Approx. age
31-50
Approx. size
700–1,100 ft²
Basement
Full, Finished
Lot
Frontage
20.00 ft
Depth
500.00 ft
Lot area
≈ 10,000 ft² (calculated)
View
South
Community
58 - Greater Napanee
Parking & utilities
Garage
Detached, Garage, 2 spaces
Driveway
Private Double, 6 spaces
Heating
Heat Pump
Cooling
Other
Water / sewer
Not provided by brokerage
Taxes
Property tax
$4,368 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
EXIT REALTY ACCELERATION REAL ESTATE, BROKERAGE
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Bedrooms below grade: 1
Kitchens: 1 above grade · 0 below grade
Basement: Full, Finished
Heating: Heat Pump
Cooling: Other
Fireplace: Yes
Fireplaces: 2
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Lake Access, Level, School Bus Route, Waterfront, Wooded/Treed
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$2,642/mo
Mortgage (principal + interest)$2,278
Property taxFrom listing: $4,368/yr$364
Minimum $35,900 down for this price; the slider moves in whole percent, starting at 6%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$121,800
Ontario land transfer taxProvincial brackets, no first-time refund$8,655
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$133,255
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Greater Napanee has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
