74 Cottage Lane, Greater Napanee, ON

$689,900
MLS#:X13711058
4 beds
3 baths
2000-2500 sqft
3.0 parking
Residential Freehold
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Added:Aug 25, 2026(4 days ago)
Updated:Aug 25, 2026(4 days ago)
Last Checked:15 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Greater Napanee. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $689,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 3 Bathrooms
  • Generous living space spanning 2000-2500 sqft on a premium 52 x 290 ft lot
  • 3.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Water Heater, Sump Pump, On Demand Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via propane

Description

Are you looking for a waterfront home on a quiet lake? Take a look at this great property. The original cottage was built in 1956 and a large addition added in 2019 at which point the original structure was renovated and the dwelling is now a year round home. 3 or 4 bedroom home within 3 bathrooms. The house sets on the edge of the lake allowing for excellent views and quick access to the waterfront. Concrete sea wall along the lake front and ample decking. Drilled well and full septic system. The lot crosses the road where you find a detached garage/workshop. The access lane is privately maintained and the approx yearly costs for snow removal is $200 to $400. Ample parking on the lot. Located on Lime Lake which is great for swimming, water sports and fishing. Lime Lake is approx 300 acres in size. Only 25KM north of Napanee, 60KM to Kingston or 40KM to Belleville.

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Property Summary

This detached home located at 74 Cottage Lane, Greater Napanee is currently for sale and has been available on SousaSells for 4 days. This property is listed at $689,900 with an estimated mortgage of $2,296* per month. It has 4 beds, 3 bathrooms, and is 2000-2500 square feet. 74 Cottage Lane, Greater Napanee is in the Greater Napanee neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 4 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Greater Napanee, Greater Napanee.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •2000-2500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Greater Napanee, Greater Napanee.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
3
Kitchens
1
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedAug 25, 2026 (4 days ago)
UpdatedAug 25, 2026 (4 days ago)
Last Checked15 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionVinyl Siding
BasementNone
Lot Size52 Ă— 290 Feet
CountyLennox & Addington
Annual Tax$4,626
Legal DescriptionPT LT 4 CON 11 RICHMOND PT 29 TO 32 29R3763 S/T & T/W LA236040 S/T INTEREST IN LA82518, GREATER NAPANEE - PIN 451500089

Parking & Garage

Parking Total3.0
Parking Space3
Garage TypeDetached

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Fenced Yard
  • Waterfront

Interior Features

  • Water Heater
  • Sump Pump
  • On Demand Water Heater
  • Carpet Free
  • ERV/HRV

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 74 Cottage Lane, Greater Napanee, ON

Q.What is the asking price for 74 Cottage Lane, Greater Napanee, ON ?

The current listing price for 74 Cottage Lane, Greater Napanee, ON in Greater Napanee, Greater Napanee is $689,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 4 bedrooms and 3 bathrooms across approximately 2000-2500 sqft.

Q.What property type and architectural style is 74 Cottage Lane, Greater Napanee, ON ?

74 Cottage Lane, Greater Napanee, ON is a Detached (2-Storey) featuring a None basement.

Q.What key property features does 74 Cottage Lane, Greater Napanee, ON offer?

Key property features include: Fenced Yard, Waterfront.

Q.What interior features are included in this home?

Interior highlights include: Water Heater, Sump Pump, On Demand Water Heater, Carpet Free, ERV/HRV.

Q.Is parking available at this property?

Yes, this property offers parking space for 3.0 vehicles (Detached).

Q.What heating and cooling systems are installed?

Heating is provided via Propane and cooling via Central Air.

Location

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74 Cottage Lane, Greater Napanee, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Greater Napanee, Greater Napanee

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 74 Cottage Lane, Greater Napanee, ON K0K 2L0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Greater Napanee.

Configure Loan Settings

Interest Rate4.00%
Down Payment$206,970 (30.0%)
* Minimum Canadian down payment required for this price is $43,990.
Amortization Period30 Years
Estimated Monthly Payment$2,296Based on a loan of $482,930 over 30 years.
Purchase Price$689,900
Loan Amount$482,930
Provincial Land Transfer Tax:$10,273
Total Estimated Closing Taxes:$10,273

About Purchasing a Home in Greater Napanee, ON

For a property listed at $689,900 in Greater Napanee, the legal minimum down payment is $43,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $10,273 for this transaction. As this listing is in Greater Napanee (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $10,273.

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Greater Napanee, Greater Napanee Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Greater Napanee, Greater Napanee.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$249,000

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Greater Napanee, Greater Napanee

Elementary Schools

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Secondary Schools

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Greater Napanee, Greater Napanee Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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