Cottages for Sale Ontario Under $500 000 – Affordable Escapes in Nature
Dreaming of owning a serene getaway? With cottages for sale in Ontario under $500 000, you can enjoy lakeside living, weekend retreats, or investment opportunities without breaking the bank. From Muskoka and Kawartha Lakes to Parry Sound and beyond, there’s a cottage that fits your budget and lifestyle.
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580 ECHO RIDGE Road in Parry Sound: Kearney House for sale : MLS®# X12211378
580 ECHO RIDGE Road Parry Sound P0A 1M0 
$119,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12211378
Build Your Dream Getaway Prime Lot with Hydro & Driveway Already In!Embrace the beauty of nature and small-town charm with this exceptional 0.47-acre property on the edge of Kearney a gateway to outdoor adventure. Tucked away on a year-round municipal road, this flat, partially cleared lot offers a ready-to-go building site surrounded by mature trees for added privacy and serenity.With hydro and a driveway already installed, you can skip the hassle and start planning your cottage, cabin, or year-round home right away. The location is unbeatable just minutes to public beaches, parks, scenic walking trails, and all the conveniences of town.Enjoy close proximity to Algonquin Park, countless beautiful lakes, and top-notch ATV and snowmobile trails a true four-season recreational haven. Kearney is a growing community that continues to attract those craving peace, nature, and adventure. Viewings by appointment only secure your slice of Northern paradise today! More detailsListed by Chestnut Park Real Estate- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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226 1501 Line 8 Road in Niagara: 106 - Queenston House for sale (Niagara-on-the-Lake) : MLS®# X12211896
226 1501 Line 8 Road Niagara L0S 1J0
$88,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12211896
- Bedrooms:
- 2
- Bathrooms:
- 1
Escape to Niagara-on-the-Lake with this fully furnished, turn-key 2-bedroom cottage in a vibrant seasonal resort. Open from May 1 to October 31, and half of the seasonal fees are already paid! This 500 sq.ft. Cherry Model (2013) comfortably sleeps 6 with two queen beds and a pull-out couch, plus a full 4-piece bath, kitchen with appliances, and a spacious living area. Step outside to enjoy your private 30' x 10' deck with a covered awning and patio set included, perfect for morning coffees or evening BBQs. The resort features a heated pool with splash pad, multi-sport court, kids club, family entertainment, laundry facilities, and 24/7 gated security. Located just steps from the Niagara Parkway and minutes from wineries, restaurants, hiking trails, the Shaw Festival, and the U.S. border. Fees cover hydro, water, taxes, garbage removal, grounds maintenance, and guest access with unlimited parking. Ideal for snowbirds, dual citizenship holders, or a profitable Airbnb investment. Your seasonal getaway starts here! More detailsListed by RE/MAX NIAGARA REALTY LTD, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1438 Echo Lake Road in Muskoka: Mclean House for sale (Lake of Bays) : MLS®# X12211936
1438 Echo Lake Road Muskoka P0B 1A0
$385,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12211936
- Bedrooms:
- 2
- Bathrooms:
- 1
Charming Lakeside Retreat on Echo Lake Rd, Baysville (Muskoka). A Hidden Gem Just 2 Hours from Toronto/GTA. Discover the perfect blend of serenity, adventure, and rustic charm with this enchanting 1.25-acre cottage property located on scenic Echo Lake Rd . Just 20 minutes from the vibrant town of Huntsville , this cozy retreat offers the ideal escape from city life whether you're seeking peaceful weekends or a tranquil three-season getaway.While not officially designated as lakefront, this property offers direct access to Echo Lake, giving you all the benefits of lakeside living. Swim from your feel-like own shore, cast a fishing line at sunrise, or launch your boat for an afternoon on the water all just steps from your door. The lake access has the feel of your own "Private Beach", where tranquil mornings and golden sunsets become your daily backdrop.The charming creek that winds through the property adds a magical touch the gentle sounds of running water create an atmosphere of peace and relaxation. Whether you're sipping your morning coffee by the waters edge or enjoying a cozy campfire under a blanket of stars, every moment here feels like a page out of a storybook.Inside, the cottage exudes warmth and character and best of all, it comes fully furnished, allowing you to move in effortlessly and start enjoying cottage life from day one. No hassle, no stress just bring your bags and begin making memories.With ample space on the land for future expansion, a guest bunkie, this property is full of possibilities. Whether youre dreaming of a summer sanctuary or a fall escape, this Echo Lake treasure checks every box. Affordable lakeside living, without compromise this is your chance to own a piece of Muskoka magic. Roof installed in 2019. Don't miss this rare opportunity to claim your slice of cottage paradise. Come see it for yourself, fall in love, and make it yours. More detailsListed by EXECUTIVE REAL ESTATE SERVICES LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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135 Sunset Trail in Renfrew: 580 - Whitewater Region House for sale (Whitewater Region) : MLS®# X12212291
135 Sunset Trail Renfrew K8A 6W2
$349,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12212291
- Bedrooms:
- 2
- Bathrooms:
- 1
Now is your chance to own an updated, all-season waterfront retreat on the stunning Ottawa River! This charming and cozy 2-bedroom, 1-bathroom home offers everything you need for year-round living or the perfect weekend getaway. Imagine enjoying breathtaking sunsets from your deck, sandy beaches at your doorstep, and the soothing sound of water greeting you each morning. Whether you're hosting friends in the beautifully furnished main living area or enjoying a quiet evening BBQ on the deck, this home is made for making lifelong memories. Inside, the vaulted natural wood ceilings and large windows fill the space with warmth and natural light. A stylish barn door adds rustic charm, and the open-concept layout provides a bright and airy atmosphere that invites relaxation. The kitchen is both functional and fun, featuring ample cabinetry, butcher block countertops, detailed finishes, and retro-style appliances that add a playful vibe to the space. Designed with modern comfort in mind, this home includes high-speed internet, allowing you to work, live, and play without compromise. Best of all, it comes fully furnished, including all appliances, furniture, and accessories. Truly turnkey and ready to enjoy from day one! Renovated in 2017, this four-season cottage was taken back to the studs. The electrical system was updated, while the walls and floors were fully insulated with closed-cell spray foam in 2018 for energy efficiency. Additional upgrades include a new hot water tank (2017), pressure tank (2018), new dishwasher (2021), additional decking, as well as a screened-in porch (2021), new flooring, and more. A drilled well, metal roof, and plastic septic tank make this property low-maintenance and worry-free. The gradual, shallow shoreline makes it ideal for families with children. Located just 15 minutes from Pembroke and 1 hour and 15 minutes from Kanata, don't miss out, your waterfront lifestyle awaits! More detailsListed by LPT REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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406 Simcoe Avenue in Bruce: South Bruce Peninsula House for sale : MLS®# X12212421
406 Simcoe Avenue Bruce N0H 2G0
$328,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12212421
Build your dream cottage or home on this exceptional lot on quiet Simcoe Ave in Sauble Beacha truly premium location just 550 meters from the sandy shores of Lake Huron and those unforgettable sunsets. Sauble Beach is celebrated as Canadas top-rated freshwater beach, stretching over 11 kilometers of soft, golden sand and offering a laid-back, family-friendly atmosphere. Don't miss your chance to secure a premium lot in this sought-after area paradise awaits just steps from the water!. More detailsListed by ROYAL LEPAGE FLOWER CITY REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 1 Montreal River Township in Timiskaming: House for sale (Timiskaming Remote Area) : MLS®# T12212762
Lot 1 Montreal River Township Timiskaming P0J 1M0
$115,000Residential Freehold- Status:
- Active
- MLS® Num:
- T12212762
Enjoy over 12 acres on beautiful Montreal River! Build your cottage or cabin on this treed lot which backs onto crown land in the unorganized township of Barber. Boat access only. More detailsListed by MILLER REALTY GROUP INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1142 FANTHAM Road in Cochrane: House for sale (Fauquier-Strickland) : MLS®# T12213655
1142 FANTHAM Road Cochrane P0L 1G0
$195,000Residential Freehold- Status:
- Active
- MLS® Num:
- T12213655
- Bedrooms:
- 3
- Bathrooms:
- 1
GREAT PLACE TO RETIRE!! THIS YEAR-ROUND LIVING 3 BEDROOM BUNGALOW IS LOCATED IN FAUQUIER AT GERARD CAMPGROUNDS WITH A GREAT VIEW OF WATERSNAKE LAKE. ALLOCATED A DOUBLE LOT BY THE LAND OWNER, YOU WILL HAVE AMPLE SPACE TO PARK ALL YOUR TOYS WITHOUT ANY WORRIES. OWNER AS TAKEN REAL PRIDE IN MAINTAINING THE PROPERTY AND ADDING A FEW THINGS THROUGHOUT THE YEARS TO ASSURE A COMFORTABLE COTTAGE LIFE LIVING WITH THE MOST RECENTS ONE BEING, HOLDING TANK 2015, FIREPIT WITH PATIO 2016, DUG WELL 2020, ROOF WAS RE-SHINGLED IN 2021, HEATING RADS IN CRAWL SPACE 2021, DECK (16X24) 2022, AND ADDED INSULATION IN THE ATTIC 2022. DONT MISS OUT ON THIS GREAT OPPORTUNITY TO MAKE NEW FRIENDS AND LIVE THE LIFE YOU DESERVE AT THE LAKE SURROUNDED BY GREAT PEOPLE. LEASED LAND $1500.00 PER YEAR. ROAD MAINTENANCE FEE $200.00 PER YEAR. HYDRO $2171.52 LAST 12 MONTHS. PROPERTY TAXES $1400.00 More detailsListed by RE/MAX CROWN REALTY (1989) INC- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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173 Hwy 612 Highway in Parry Sound: Seguin House for sale : MLS®# X12213603
173 Hwy 612 Highway Parry Sound P0C 1H0
$499,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12213603
- Bedrooms:
- 2
Waterfront Opportunity on Kaye Lake. 15.86 Acres with 1,050 Feet of Shoreline. Discover the rare chance to create your dream retreat on the tranquil shores of Kaye Lake. Set on an expansive 15.86-acre parcel with over 1,050 feet of private waterfront, this unfinished cottage presents a unique blank canvas ready for your personal vision and design. Enjoy ultimate privacy in this year-round accessible location, ideally situated just minutes from both Parry Sound and Mactier. This property offers endless potential. With fishing right at your doorstep and serene views all around, you'll wake up each day to the sights and sounds of true Northern Ontario beauty. Don't miss this rare opportunity to build and finish your ideal cottage exactly the way you've always imagined. More detailsListed by Royal LePage Lakes Of Muskoka - Clarke Muskoka Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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388 Island 38 in Peterborough: Havelock-Belmont-Methuen House for sale : MLS®# X12213713
388 Island 38 Peterborough K0L 2H0
$449,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12213713
- Bedrooms:
- 3
- Bathrooms:
- 1
Directly situated on the shores of Kasshabog Lake this charming cottage makes the perfect location for your cottage getaways. This island property boasts a spectacular shoreline with excellent views. The cottage features a fully equipped kitchen, eating area and living room all filled with natural light from the many windows. The living room hosts a wood fireplace for those chilly evenings. On the ground level you will find 3 cozy bedrooms offering a place to rest after a day on the water. The master bedroom is right on the water's edge and offers spectacular views! At the water's edge you will find clean, deep water great for swimming right off your dock. This family friendly lake is great for those looking to take part in community events and social gatherings. More detailsListed by ROYAL HERITAGE REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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CRKL008 486 County Road 18 in Prince Edward County: Athol Ward House for sale : MLS®# X12213804
CRKL008 486 County Road 18 Prince Edward County K0K 1P0
$112,173Residential Freehold- Status:
- Active
- MLS® Num:
- X12213804
- Bedrooms:
- 2
- Bathrooms:
- 1
Soak Up the Lifestyle of Prince Edward County in this Seasonal Mobile Cottage! 8 Cricket Lane welcomes you to your dream escape in the heart of beautiful Prince Edward County! Located in Cherry Valley at Cherry Beach Resort on EAST LAKE. This lovingly maintained 2017 Northlander Chestnut model offers the perfect blend of comfort, style, and cottage charm. With two organized bedrooms and a full 4 piece bath, this getaway is ideal for families, couples, or anyone craving a relaxing retreat. Step into the bright, open-concept kitchen and dining area, designed for effortless entertaining and cozy family dinners. Just a few steps down, the sun-filled living room beckons with large windows that bring the outdoors in the perfect spot to unwind after a day at the beach. Double decks on either side offer seamless indoor-outdoor living, whether you're sipping morning coffee in the sunshine or enjoying sunset BBQs. The cottage backs onto a peaceful open green space, offering a safe and scenic spot for kids to play while staying in sight. Just a short stroll away, you'll find amazing resort-style amenities: a sparkling pool, fun-filled splash pad, multi-sport court, playground, and a gorgeous sandy beach. The Backyard has it's own firepit ready to toast up some smores! Everything you need for endless summer memories. Whether you're looking for a weekend retreat or a seasonal family haven, making memories to last a lifetime -this mobile cottage has it all. Come fall in love with the County lifestyle! Season is May to October. Site fees are extra. More detailsListed by RE/MAX QUINTE LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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639 Poplar Way in Renfrew: 542 - Greater Madawaska House for sale (Greater Madawaska) : MLS®# X12214102
639 Poplar Way Renfrew K0J 1H0
$109,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12214102
Looking to build your dream home, chalet or cottage getaway? This well-priced gently sloping building lot offers mature trees on a quiet local road on high ground. This is a rare opportunity to join the vibrant and growing Calabogie community where four-season recreation and small-town charm meet natural beauty. Nestled just minutes from the renowned Calabogie Peaks Ski Resort (781 ft vertical drop) and Ironwoods Golf Course with its exclusive beach and docking area, this property places you at the center of everything Calabogie has to offer. Whether you're into skiing, snowmobiling, ATVing, hiking, or just relaxing by the water, this location is a year-round playground. Public beaches and boat launches on Calabogie Lake are nearby, with countless other lakes and rivers in the area waiting to be explored. Adventure seekers will love the proximity to the Eagles Nest lookout trail, and motorsport enthusiasts will appreciate being close to the popular Calabogie Motorsports Park. Golf lovers are just minutes from the Highlands Golf Club, making this location ideal for active lifestyles. Calabogie is more than just a recreational hotspot it is a thriving, self-sufficient community with local restaurants, lakeside bistros, an LCBO, grocery store, hardware store, medical center, and more. Everything you need is right here, all surrounded by the stunning scenery of the Ottawa Valley. If you've been thinking about building but are not sure where to start, we can connect you with a local custom home builder who can meet you on-site and guide you through the process. Don't miss this chance to create your own retreat in one of Eastern Ontario's fastest-growing recreational destinations. Book your showing today and come experience Calabogie where you are always surrounded by good nature. Please give 24hrs irrevocable on all offers. More detailsListed by CENTURY 21 EADY REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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566 Cedar Smoke Road in York: Georgina Island House for sale (Georgina Islands) : MLS®# N12214297
566 Cedar Smoke Road York L4P 0J7
$69,900Residential Freehold- Status:
- Active
- MLS® Num:
- N12214297
Escape to Tranquility on Georgina Island! Build your dream cottage or retreat on this 60 ft x 120 ft land lease lot (Chippewas of Georgina Island First Nation) on scenic Cedar Smoke Rd. Surrounded by mature trees, this peaceful lot offers natural privacy and a serene, forested setting-perfect for those looking to reconnect with nature. Enjoy indirect lakefront living with private beach access directly across the road. Georgina Island is a quiet, culturally rich community immersed in nature-just 1 hour from Toronto and accessible by ferry, personal watercraft, or a maintained ice road in winter; ensuring year-round access. Hydro (Hydro One) is connected with a meter on-site. Community water service isavailable for $400/year, and a holding tank (recently emptied) isalready installed. 2025 property tax: $1,236.06. Land lease: $2,500/year. The lease began in 2018 for a 49-year term, with renewals every 5 years-next due June 30, 2028. Minimum 1,200 sqft build permitted. Boat docking and marina access available at East Point Marina. Only a 20-minute boat ride to Friday Harbour, this rare offering is your opportunity to unwind, unplug, and fully embrace island life. (Kindly refrain from walking the property without a scheduled showing.) More detailsListed by RE/MAX HALLMARK REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated June 12, 2025 at 12:15 AM (UTC)
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Explore Affordable Cottages Across Ontario
These budget-friendly cottages combine comfort, character, and natural surroundings—ideal for families, retirees, or rental investors.
- Waterfront and inland cottages under $500K
- Cozy cabins, A-frames, and seasonal retreats
- Many listings with decks, wood-burning stoves, and lake access
- Located near popular outdoor destinations like Georgian Bay and Haliburton
Why Choose a Cottage in Ontario Under $500 000?
Ontario’s cottage country offers unmatched natural beauty, four-season recreation, and peaceful communities. Buying within this price range gives you access to:
- Quiet relaxation and outdoor adventure
- Strong resale or rental potential
- Proximity to major cities like Toronto and Ottawa
- Entry-level pricing for first-time buyers and vacation homeowners
Navigating the Cottage Buying Process
Buying a cottage involves various considerations, such as understanding property maintenance, seasonal accessibility, and local amenities. Our resources and expert guidance are designed to help you navigate these complexities, ensuring a smooth and informed buying process. We offer advice on inspections, financing options, and long-term investment strategies to help you make the best choice.
Maximizing Exposure for Your Ontario Cottage
If you’re selling a cottage in Ontario, our platform offers exceptional exposure to a targeted audience of potential buyers. We utilize advanced marketing techniques to highlight the key features and benefits of your property, ensuring it stands out in the market. Our goal is to connect you with interested buyers efficiently, facilitating successful and profitable transactions.
Start Your Cottage Search Today
Ready to escape the city hustle? Browse our up-to-date listings of Ontario cottages under $500,000 and connect with real estate experts who can guide you to the right property.
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Each link provides updated listings and expert insights.
FAQs – Cottages for Sale Ontario Under $500 000
1. Where can I find cottages under $500,000 in Ontario?
Popular areas include Kawartha Lakes, Parry Sound, Haliburton, Bancroft, and some northern regions of Muskoka.
2. Are cottages in this price range year-round or seasonal?
Many are seasonal, but you can find winterized options suited for year-round living at this price point.
3. Can I get waterfront access for under $500,000?
Yes, though most will be smaller properties or located on less-populated lakes or rivers.
4. Is financing a cottage similar to buying a house?
Cottage financing is available but may require different terms depending on seasonal vs. year-round use.
5. Are these good for short-term rentals?
Absolutely. Many buyers purchase affordable cottages in Ontario for Airbnb or VRBO investment potential.
Get The Royal Treatment
When it comes to buying a home, you deserve real estate guidance from a team that truly cares about your long-term investment and client experience. Find out what it’s like to get the Royal Treatment by booking a buying consultation today.