With a slight modification to your .properties file,
var1=c:/temp
var2={0}/subdir/test/{1}/test/{2}/data
var3=something/{0}/etc
======================
In fact, if you are doing web apps, you may want to consider using something like
Struts because it has capabilities to grab the value with up to 4 parameters I think, ie: you can be lazy and use the built in API rather than write it yourself.