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.
Tucked away at the very end of a quiet laneway, where the noise of the world fades and nature takes stage, this extraordinary waterfront retreat awaits on the shores of Hay Bay. Spanning 15.6 private acres with more than 750 feet of shoreline, this rare offering delivers an exceptional blend of privacy, open space, and opportunity. Celebrated for world-class fishing and known as a popular mooring destination near Ram Island, Hay Bay also connects you to the Bay of Quinte and Lake Ontario. Here, mornings begin with breathtaking sunrises over the water, and days unfold to the peaceful rhythm of wildlife, fresh air, and wide-open views. All of this is just 15 minutes from Napanee, 20 minutes from Highway 401, and a short drive or boat ride to Prince Edward County. Perfectly positioned to capture sweeping water views from both levels, the all-stone bungalow offers timeless character, solid craftsmanship, and versatile living space. The main floor features three generous bedrooms and two bathrooms, while the lower level offers two additional bedrooms, a third bathroom, and a roughed-in kitchenette. The lifestyle here extends well beyond the home. Explore private trails winding through more than six acres of white pine forest, harvest from your own orchard of apples, pears, peaches, cherries, and plums, or nurture Chardonnay and Vidal grapes sourced from Niagara vineyards. A fenced paddock and a collection of outbuildings further expand the possibilities. The property includes a detached insulated two-car garage, a 56' x 30' shop with concrete floor and 12' ceilings, a 42' x 22' barn with stalls and hay loft, plus multiple drive sheds-offering exceptional potential for homesteading, storage, recreation, or a home-based business. Cast a line from your shoreline, set out by boat, wander the trails, gather from the orchard, or simply slow down and take in the view. This is more than a waterfront property-it is a private Hay Bay sanctuary, ready to be enjoyed on your terms.
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What’s NearbyDistances approximate
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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$7,462/mo
Mortgage (principal + interest)$6,734
Property taxFrom listing: $8,738/yr$728
Minimum 20% ($360,000 on this price) applies to homes priced over $1.5M in Canada; the slider starts at 20%. 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$360,000
Ontario land transfer taxProvincial brackets, no first-time refund$32,475
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$395,275
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.
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