278 Centre Street, Greater Napanee, ON

$389,900
MLS#:X13101854
2 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of 58 - Greater Napanee. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $389,900 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.

  • 2 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 66 x 82.57 ft lot
  • Features a crawl space basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Step into home ownership with this inviting and affordable 1.5-storey home in the heart of Napanee, perfect for first-time buyers, young families, or couples looking to put down roots. Freshly painted and thoughtfully refreshed, this move-in-ready property offers a bright and functional layout with room to grow. The oversized kitchen at the back of the home is a standout feature, offering generous counter space and ample cabinetry, ideal for everyday living and entertaining. Just off the kitchen, you'll find a convenient 2-piece bath and main floor laundry. A charming archway separates the dining/family room, where large windows fill the space with natural light and a patio door provides easy access to the side yard. Upstairs, the home features 2 comfortable bedrooms and a full 4-piece bathroom all perfect for a growing family or home office needs. Key updates include shingles (2021), furnace (2016), central air (2010), newer windows, and an on-demand water heater (rental), giving peace of mind for years to come. Outside, enjoy a private-feeling backyard with a deck off the rear entry and a handy storage shed. A unique bonus is rear parking access via quiet Ann Street, a tucked-away cul-de-sac that adds convenience while keeping your outdoor space more secluded. Centrally located and close to amenities, this home offers an excellent opportunity to enter the market without compromise. A smart move for buyers looking for value, space, and potential.

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Key Features

Bedrooms
2
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date5/8/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionVinyl Siding
BasementCrawl Space
Lot Size66 × 82.57 Feet
CountyLennox & Addington
Annual Tax$2,072.69
Legal DescriptionPT LT 23 W/S CENTRE ST PL 27 AS IN LA255073; GREATER NAPANEE

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Cul de Sac/Dead End, Level, Public Transit, School

Interior Features

Water Heater

Security Features

Smoke Detector

Community Features

Location

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278 Centre Street, Greater Napanee, ON
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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 278 Centre Street N, Greater Napanee, ON K7R 1P3

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.

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Interest Rate5.25%
Down Payment$19,495 (5.0%)
* Minimum Canadian down payment required for this price is $19,495.
Amortization Period25 Years
Estimated Monthly Payment$2,207Based on a loan of $370,405 over 25 years.
Purchase Price$389,900
Loan Amount$370,405
Provincial Land Transfer Tax:$4,324
Total Estimated Closing Taxes:$4,324

About Purchasing a Home in Greater Napanee, ON

For a property listed at $389,900 in Greater Napanee, the legal minimum down payment is $19,495 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 $4,324 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 $4,324.

Nearby Listings

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No current listings found in Greater Napanee.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$599,209

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%

Local Schools Guide

Elementary Schools

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Secondary Schools

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Homes & Housing

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.