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.
It's not often that such a remarkable century home, acreage and over 260 feet of waterfront come together in one property. Set on 3.80 acres along the shores of Hay Bay, this handsome brick farmhouse offers an extraordinary combination of original character, beautiful grounds and waterfront living. Inside, original floors, substantial wood trim and beautiful stained glass windows speak to the home's Victorian origins. A grand archway connects the double parlour, creating an impressive gathering space, while the formal dining room with twin chandeliers and separate den/library continue the home's gracious proportions. The large country kitchen includes a casual eating area overlooking Hay Bay, with a walkout to the wraparound porch for morning coffee, summer dinners and views across the property. With 4 bedrooms and 2.5 bathrooms, there is generous space for family and guests. Upstairs, a second-storey sunroom and upper balcony offer even more opportunities to enjoy the setting, while the unfinished third-floor loft is waiting to become a studio, retreat or additional living space. Outside, the 3.80 acres are filled with mature and distinctive trees, fruit trees, berry bushes and established plantings collected and cultivated over generations. Two garden sheds provide practical storage, while a separate drive leads through the property directly to the waterfront, making access to Hay Bay wonderfully convenient. With more than 260 feet along the water, the shoreline becomes an incredible extension of the property and its lifestyle. Historical maps connect the land to the Parks family as early as the 1860s, with the present brick farmhouse believed to date to the late 19th century and remnants of an earlier log structure still visible in the basement. A Victorian farmhouse, beautiful grounds, 3.80 acres and an extraordinary stretch of Hay Bay waterfront...this is the estate you've been waiting for. Home Inspection available upon request.
Property Details
Listing
MLS® number
X13789356
Status
For Sale
Listed
Sep 16, 2026
Last updated
Oct 24, 2026
Possession
Flexible
Building
Type
Detached
Style
2 1/2 Storey
Approx. age
100+
Approx. size
3,500–5,000 ft²
Basement
Full, Unfinished
Lot
Frontage
250.19 ft
Depth
621.75 ft
Lot area
≈ 155,556 ft² (calculated)
View
South
Community
Greater Napanee
Parking & utilities
Garage
None, 0 spaces
Driveway
Private, 8 spaces
Heating
Baseboard
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$7,401 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
ROYAL LEPAGE SIGNATURE REALTY
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 4
Kitchens: 1 above grade
Basement: Full, Unfinished
Heating: Baseboard
Cooling: None
Fireplace: Yes
Fireplaces: 1
Central vacuum: Yes
Exterior
Waterfront features: Direct
Pool features: None
Cross street: West of County Road 8, on County Road 9
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$5,293/mo
Mortgage (principal + interest)$4,676
Property taxFrom listing: $7,401/yr$617
Minimum $100,000 down for this price; the slider moves in whole percent, starting at 8%. 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$250,000
Ontario land transfer taxProvincial brackets, no first-time refund$21,475
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$274,275
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.
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.
