Nestled along the shores of Hay Bay, 869 Third Concession Rd offers a beautiful waterfront retreat with space, comfort, and year-round versatility. Set in a peaceful waterfront setting, this property is ideal for enjoying everything the Bay of Quinte region is known for-boating, fishing, kayaking, swimming, birdwatching, stunning sunsets, and relaxed cottage-country living, all while remaining within easy reach of Napanee amenities, local shops, restaurants, golf, wineries, and nearby Prince Edward County. The main floor offers a bright and functional layout with a spacious kitchen, dining area, and an impressive living room featuring a cozy fireplace. Dramatic floor-to-ceiling windows fill the home with natural light and capture the beauty of the surrounding setting. Sliding patio doors that open to the deck, creating a seamless indoor-outdoor flow that is perfect for entertaining, barbecuing, or simply relaxing while taking in the views. A generous sunroom provides even more space to unwind. The main floor office is currently being used as a bedroom, offering flexible space for guests, or remote work. The main floor bathroom features both a jacuzzi tub and a stand-up shower, creating a comfortable spa-like retreat. Upstairs, you'll find two well-sized bedrooms, plus a convenient 2-piece bathroom. The finished lower level adds excellent additional living space with a large rec room, another bedroom, 3-piece bathroom, laundry/utility area perfect for hosting family and friends or creating a games room, media space, or guest suite. With the furnace and A/C replaced in 2024, this home offers added peace of mind through every season. Whether you are looking for a year-round home, a vacation property, or a rental property, this Hay Bay cottage delivers incredible flexibility in a sought-after waterfront location. Enjoy quiet rural surroundings, endless outdoor recreation, and the charm of Greater Napanee living from this inviting Bay-side property.
Under Contract:
Propane Tank
Property Type:
Residential Freehold
Property Sub Type:
Detached
Home Style:
2-Storey
Total Approx Floor Area:
1100-1500
Lot Depth:
125'38.1 m
Lot Frontage:
80'24.4 m
Topography:
Flat
Direction Faces:
North
Bedrooms:
2+1
Bathrooms:
3.0
Water supply:
Well
Kitchens:
1
Bedrooms Above Grade:
2
Bedrooms Below Grade:
1
Kitchens Above Grade:
1
Rooms Above Grade:
10
Rooms Below Grade:
5
Heating type:
Forced Air
Heating Fuel:
Propane
Fireplaces:
1
Foundation:
Concrete
Roof:
Asphalt Shingle
Basement:
Full, Finished
Fireplace Features:
Living Room, Propane
Fireplace/Stove:
Yes
Alternative Power:
None
Garage:
None
Garage Spaces:
0.0
Other Structures:
Shed
Parking Features:
Private
Parking Spaces:
2
Total Parking Spaces:
2.0
Rural services:
Cell Services, Recycling Pickup, Garbage Pickup
Family Room:
No
Possession Details:
TBD
Pool:
None
Link:
No
HST Applicable To Sale Price:
Included In
Taxes:
$4,756.33 /
2026
Assessment:
$- /
-
Lennox & Addington
Greater Napanee
58 - Greater Napanee
Clear View, Lake/Pond, Level, Cul de Sac/Dead End, Waterfront
ERV/HRV, Sump Pump, Water Softener, Water Treatment, Water Purifier, Water Heater Owned
Deck, Fishing, Porch
Unknown
Propane Tanks
All Appliances and Furniture
Sellers personal belongings, and large fish over fire place
Data was last updated August 23, 2026 at 11:15 PM (UTC)
Area Statistics
Listings on market:
141
Avg list price:
$614,900
Min list price:
$299,900
Max list price:
$4,999,000
Avg days on market:
46
Min days on market:
2
Max days on market:
719
These statistics are generated based on the current listing's property type
and located in
58 - Greater Napanee. Average values are
derived using median calculations. This data is not produced by
the MLS® system.
This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website.
The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.