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 slice of waterfront paradise on the pristine shores of Hay Bay, just outside Napanee. This charming four-season home offers the perfect blend of comfort, natural beauty, and future potential. Featuring 3 bedrooms this well-maintained home complete with brand new main level bathroom is filled with natural light thanks to its large windows that showcase breathtaking water views. Beautiful flooring throughout creates a warm and inviting atmosphere, while the durable steel roof provides lasting peace of mind. Step outside to enjoy beautifully landscaped gardens and a tranquil waterfront setting with crystal-clear water, ideal for swimming, kayaking, boating, or simply relaxing while taking in the spectacular views. Whether you're looking for a year-round residence or the perfect waterfront getaway, this property delivers. The cozy upper loft/attic offers exciting potential to create additional living space, a primary suite, home office, or recreation room to suit your needs. An unfinished basement provides ample storage and further possibilities for future development. Situated on a quiet street with loads of parking, there's plenty of room for family, friends, boats, and recreational vehicles. Enjoy peaceful waterfront living while remaining just a short drive from Napanee and all the amenities you need. Don't miss this rare opportunity to own a beautiful waterfront home on sought-after Hay Bay, where stunning views, clear water access, and endless potential come together to create an exceptional lifestyle.
Property Details
Listing
MLS® number
X13808278
Status
For Sale
Listed
Sep 21, 2026
Last updated
Sep 21, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
31-50
Approx. size
1,100–1,500 ft²
Basement
Unfinished
Lot
Frontage
80.00 ft
Depth
200.00 ft
Lot area
≈ 16,000 ft² (calculated)
View
South
Community
58 - Greater Napanee
Parking & utilities
Garage
None, 0 spaces
Driveway
Private Double, 8 spaces
Heating
Forced Air
Cooling
Central Air
Water / sewer
Not provided by brokerage
Taxes
Property tax
$3,129 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
RE/MAX FINEST REALTY INC., BROKERAGE
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Kitchens: 1 above grade
Basement: Unfinished
Heating: Forced Air
Cooling: Central Air
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Beach, Clear View, Lake Access, 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$2,202/mo
Mortgage (principal + interest)$1,942
Property taxFrom listing: $3,129/yr$261
Minimum $26,900 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$103,800
Ontario land transfer taxProvincial brackets, no first-time refund$6,855
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$113,455
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.
