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.
WATERFRONT RETREAT ON HAY BAY! Discover the perfect blend of peaceful waterfront living and investment potential with this charming detached home on a generous 56-foot waterfront lot along scenic County Road 9 in Napanee. Nestled on the picturesque shores of Hay Bay, this property offers breathtaking surroundings and an exceptional recreational lifestyle, yet is conveniently located just 15 minutes from downtown Napanee. Featuring a bright open-concept layout, 3 spacious bedrooms, and 2 full bathrooms, the home is ideal as a year-round residence, weekend getaway, or income-generating property. Recent improvements include a brand-new septic system and a beautifully renovated basement bathroom. A fully updated treated water system provides clean, treated water for added comfort and peace of mind. Step outside and enjoy the tranquility of waterfront living from the deck, take in the beautiful views, or head out on the water for a relaxing boat ride. The location also provides convenient access by boat toward Prince Edward County, making it an ideal base for exploring the surrounding area. For investors, the property offers an attractive rental opportunity. It was successfully operated as an Airbnb prior to Summer 2024, with previous Airbnb income statements available for prospective buyers. Since 2024, the property has been occupied by the current tenant. Whether you're looking for a private waterfront escape, a year-round home, or an investment property with proven rental history, this Hay Bay retreat presents an excellent opportunity to enjoy waterfront living while generating rental income.
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Owners vs Renters
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What’s NearbyDistances approximate
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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$2,472/mo
Mortgage (principal + interest)$2,188
Property taxFrom listing: $3,405/yr$284
Minimum $33,500 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$117,000
Ontario land transfer taxProvincial brackets, no first-time refund$8,175
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$127,975
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.
