Cottages for Sale Ontario Under $500 000 – Budget-Friendly Escapes
Searching for cottages for sale in Ontario under $500 000? From Muskoka to Kawartha and beyond, Ontario has a variety of affordable getaway properties perfect for seasonal use, remote work, or rental income.
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264 1501 LINE 8 Road in Niagara: 106 - Queenston House for sale (Niagara-on-the-Lake) : MLS®# X12321348
264 1501 LINE 8 Road Niagara L0S 1J0 
$99,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12321348
- Bedrooms:
- 2
- Bathrooms:
- 1
Location, Location, Location! Welcome to your perfect seasonal escape or income-generating investment opportunity at Vineridge Resort in beautiful Niagara-on-the-Lake. This fully furnished 2-bedroom, 1- bath resort cottage offers 545 sq. ft. of indoor living space plus a massive 545 sq. ft. covered patio, ideal for entertaining, relaxing, or al fresco dining. Enjoy a rare private lot backing onto a tranquil vineyard with breathtaking sunset views, a peaceful retreat all just minutes from the QEW. The open-concept layout features a well-equipped kitchen, cozy living/dining area, and a 4-piece bathroom, all ready for your family to move in or guests to enjoy.The extended outdoor space includes a full cooking area, dining area, lounge area to kick your feet up. In the yard, a bonus, a fire pit to enjoy on cozy summer evenings. Top it off with a storage shed, and parking for two vehicles. Whether you are hosting family, enjoying a weekend getaway, or renting for income, the possibilities are endless.Resort amenities include a heated in ground pool, splash pad, multi-sport areas; tennis/pickleball/basketball courts, playgrounds, picnic zones, kids club, scenic walking/biking trails, laundry facilities, EV charging, and available golf cart rentals. Season runs May 1st to Oct 31st. Low maintenance fees cover hydro, water, and full access to all resort features. Do not miss this opportunity to own a slice of seasonal paradise in one of Ontarios most desirable vacation destinations, wine country! Call direct to schedule a showing @ 289-213-7270 More detailsListed by RE/MAX GARDEN CITY REALTY INC, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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#49 202 Hidden Glen Road in Muskoka: Baxter House for sale (Georgian Bay) : MLS®# X12321384
#49 202 Hidden Glen Road Muskoka L0K 1S0
$119,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12321384
- Bedrooms:
- 2
- Bathrooms:
- 1
Tucked into a serene corner against a striking natural granite wall, this beautiful 2018 mobile home cottage offers the perfect blend of comfort and outdoor charm. The highlight is the huge deck, built on solid 24' beams and topped with a durable steel roof. Custom privacy blinds create a cozy, sheltered feel, while a large bar with ample seating makes it ideal for entertaining. A natural granite wall with a built-in water feature adds a peaceful, resort-like atmosphere. Inside, the cottage sleeps 6 comfortably, with 2 bedrooms plus a spacious living area featuring an electric fireplace. The modern kitchen is gorgeous and functional, and the 4-piece bathroom offers all the comforts of home. A separate bunkie sleeps 3 more guests - perfect for family and friends. Three sheds provide abundant storage, while the outdoor seating area with astroturf (included) offers a lush, maintenance-free space to relax. The sale includes all furniture, lamps, TV, and some cushions, making this a true turnkey getaway. Whether you're unwinding by the water feature, hosting friends at the bar, or enjoying the natural granite backdrop, this property delivers a unique blend of beauty, privacy, and convenience. More detailsListed by KELLER WILLIAMS REALTY CENTRES- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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701 1047 Bonnie Lake Camp Road in Muskoka: Macaulay House for sale (Bracebridge) : MLS®# X12321368
701 1047 Bonnie Lake Camp Road Muskoka P1L 1W9
$144,500Residential Freehold- Status:
- Active
- MLS® Num:
- X12321368
- Bedrooms:
- 3
- Bathrooms:
- 2
Experience stress-free Muskoka lake life at this charming 3-bedroom, 2-bath seasonal cottage on beautiful Bonnie Lake. Nestled in a well-maintained resort, this retreat blends rustic Muskoka vibes with modern comfort. Enjoy breathtaking lake views from your private back deck, relax on the sandy beach, or stay active with sports courts, hiking trails, and vibrant community events for all ages. The perfect getaway to make lifelong cottage memories. More detailsListed by Chestnut Park Real Estate- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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00 Dudley Road in Muskoka: Medora House for sale (Muskoka Lakes) : MLS®# X12321363
00 Dudley Road Muskoka P0C 1A0
$295,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12321363
10 acre private property just north of Bala with 1,085 feet of road frontage adjacent to The Dudley Inn. Includes a really nice, treed natural 5+ acres of mixed forest and 5 acres of adjacent wetlands along Dudley Road. Allows for an easy 4 season access along the Dudley Road to Lake Muskoka, and only a 2 minute drive into Bala. Build a home or year-round cottage and enjoy the unspoiled tranquility of Muskoka. Large and private, with level land connected to a protected wetland. Full of natural habitats, lot is well treed with several excellent building areas for a residential home or cottage get away. More detailsListed by Coldwell Banker Access- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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3 CORDUROY BAY Road in Parry Sound: Carling House for sale : MLS®# X12321307
3 CORDUROY BAY Road Parry Sound P0G 1G0
$349,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12321307
Nestled in the heart of nature, this stunning 10-acre property offers unparalleled views and serene living, just minutes from Dillon Cove. Boasting a breathtaking panorama of Ontario's picturesque landscapes, the property provides a perfect blend of seclusion and convenience. Enjoy ample space for outdoor activities, or simply soak in the beauty of the surroundings. Its proximity to the local marina makes it ideal for boating enthusiasts or someone who just wants to be on the water. The nearby town of Parry Sound ensures you're never far from shopping, dining, and entertainment options, which is such a luxury in cottage country. Whether for a weekend getaway or a permanent residence, this property offers a unique opportunity to own a piece of paradise in one of Ontario's most sought-after locations. With its expansive acreage, the property also provides a fantastic opportunity for custom development, whether you're looking to build a dream home, cottage, or even a private retreat. The lush, verdant landscape is a haven for wildlife, offering frequent sightings, making it a nature lover's paradise. Additionally, the property is well-positioned for all-season enjoyment, from vibrant autumn foliage to summer water activities, and even winter fun. Finally, this remarkable piece of land is not just a place to live, but a lifestyle to be cherished. A straight drive up highway 400 to Brooks Landing, 2 1/2 hours from Toronto, this property is perfect. Buyer to do own due diligence. Seller makes no warranties or representations. More detailsListed by CENTURY 21 B.J. ROTH REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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17 WATER ACCESS, LAKE NIPISSING in Parry Sound: Nipissing House for sale : MLS®# X12320595
17 WATER ACCESS, LAKE NIPISSING Parry Sound P0H 1W0
$324,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12320595
- Bedrooms:
- 3
- Bathrooms:
- 1
Welcome to 17 Muskie Bay located on the south shore of Lake Nipissing. A scenic 15-minute boat ride from Hunters Bay Marina, Wades Landing, and Fish Bay Marina.This water access property boasts 150 feet of waterfrontage and backs directly onto thousands of acres of Crown Land. Built in 1964 this 700 sq-ft. well-maintained 3-bedroom cottage could be the little piece of serenity and adventure you've been searching for. Some of the features include a pebbled beach with a sandy bottom, dock, boat-lift, 2-piece bathroom and a separate shower room with on-demand hot water, 8x10 storage shed, 2 propane fridges, oven, water pump, generator, and furnishings.The lake is calling and I must go! More detailsListed by Royal LePage Northern Life Realty, Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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48 MCARTHUR Drive in Simcoe: Penetanguishene House for sale : MLS®# S12320295
48 MCARTHUR Drive Simcoe L9M 1W9
$325,000Residential Freehold- Status:
- Active
- MLS® Num:
- S12320295
- Bedrooms:
- 1
- Bathrooms:
- 1
Welcome to 48 McArthur Drive! Spend your afternoons down the road at the beach and your evenings unwinding in your private backyard. This charming home or cottage offers everything you need and nothing you don't. Featuring a metal roof, two propane fireplaces, one bedroom, and one bathroom, its the perfect affordable getaway, investment property or home. The location is ideal set on a deep lot across from the water with seasonal water views. You'll enjoy the peace and quiet of being just outside of town while still being close to marinas, shopping, golf courses, schools, and more. Plus, its only a short 90-minute drive from the GTA. Don't miss your chance to own this little slice of paradise. More detailsListed by Keller Williams Co-Elevation Realty, Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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255 Charles Street W in Oxford: Ingersoll - South House for sale (Ingersoll) : MLS®# X12320104
255 Charles Street W Oxford N5C 2M5
$349,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12320104
- Bedrooms:
- 3
- Bathrooms:
- 1
Small and sweet. This affordable home is waiting for a little family to love. It is 1.5 storey, 3 bedrooms, large laundry room, sunroom overlooking forest and Lawson Trail, big diningroom and fully fenced backyard. Features are; 7 year old windows, gas fireplace, new fencing, wood deck off backdoor, c/air and single garage with concrete floor and hydro. So much potential in this cozy cottage! More detailsListed by Century 21 Heritage House Ltd Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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189 Snake Island Road in York: Snake Island House for sale (Georgina Islands) : MLS®# N12320995
189 Snake Island Road York L4P 3E9
$400,000Residential Freehold- Status:
- Active
- MLS® Num:
- N12320995
- Bedrooms:
- 3
- Bathrooms:
- 1
Welcome To Lot 189 Snake Island A Rare Waterfront Opportunity On Lake Simcoe Tucked Away On Georgina's Prestigious Snake Island, Situated On Leased Land, This Cottage Offers An Affordable Way To Enjoy One Of Ontario's Most Sought-After Cottage Lifestyles. Snake Island Is Known For Its Peaceful Surroundings, Strong Sense Of Community, And Stunning Natural Beauty. This Beautifully Maintained 3-Bedroom, 1-Bath Cottage Offers The Perfect Blend Of Privacy, Comfort, And Lakefront Living. Just 1 Hour From Toronto And Only A 2-Minute Ferry Ride From The Mainland, This Hidden Gem Is Easily Accessible While Feeling Worlds Away. Inside, You'll Find An Inviting Layout With A Bright Sunroom Overlooking The Water, A Cozy Wood Stove For Chilly Evenings, And Three Well-Sized Bedrooms. A Separate Bunkie Offers Flexible Space, Ideal For Guest Accommodations, A Home Office, Or A Creative Studio. Outside, Enjoy A Spacious Yard With Ample Green Space, A Private Dock, And A Rooftop Composite Deck With Panoramic Views Perfect For Soaking Up The Sun Or Stargazing At Night. There's Also A Teppanyaki Grill And BBQ, Making Outdoor Dining Easy And Enjoyable. Whether You're Searching For A Weekend Escape Or A Place To Make Lasting Memories, Lot 189 Delivers Island Life At Its Finest. More detailsListed by RE/MAX HALLMARK YORK GROUP REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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288 Rankin Lake Road in Parry Sound: Seguin House for sale : MLS®# X12319903
288 Rankin Lake Road Parry Sound P2A 2W8
$425,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12319903
- Bedrooms:
- 1
- Bathrooms:
- 1
Great starter home or retirement home, living the cottage country dream. One bedroom recently updated raised bungalow with unfinished basement. Located on a year round municipal road on the outskirts of Parry Sound in Seguin Township. A desirable and quiet area with nearby lakes to go boating, swimming and fishing. A short drive to town for shopping, schools, hospital, theatre of the arts, Georgian Bay, boat launches, parks, restaurants, ice rink, and don't forget Pickleball! Open concept. New outdoor deck to have dinner, entertain, play games or just relax, listening to the peaceful and soothing sounds of mother nature. Laundry area on the main floor. Unfinished basement great for storage space and future potential for some living space with your finishing touches. Partially fenced in yard. Cozy up by the wood stove in the Fall and Winter after a day of snowmobiling. Aluminum shingles. Drilled well. Plenty of yard space for all ages to play and pets to have some space of their own. A short distance from Highway 400 for commute or just to hop, skip and jump to town for amenities while you work from home. The yard is a clear pallet to plant your own gardens and a good space for future potential garage. Click on the media arrow for video. More detailsListed by RE/MAX Parry Sound Muskoka Realty Ltd- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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11 Fire Route 33 in Peterborough: Belmont-Methuen House for sale (Havelock-Belmont-Methuen) : MLS®# X12320897
11 Fire Route 33 Peterborough K0L 1Z0
$450,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12320897
- Bedrooms:
- 2
- Bathrooms:
- 1
**Escape to the cottage at Belmont Lake!** Nestled on just under an acre of serene landscape, this charming 3-season cottage getaway is the perfect retreat for outdoor enthusiasts and nature lovers alike. With its modern comforts and rustic charm, this property offers a unique blend of relaxation and adventure. As you step inside, you'll be greeted by a comfortable living area with a cozy wood fireplace, inviting you to unwind after a day of exploration. The large working kitchen is perfect for entertaining friends and family, whether you're whipping up a gourmet meal or enjoying casual snacks after a day on the water. This cottage features two comfortable bedrooms that provide restful sanctuaries for rejuvenation. For guests or extra storage needs, the property boasts a delightful Bunkie a charming space that adds versatility to your stay. Step outside onto the expansive front and rear decks where you can soak in views of your private backyard oasis. With easy access to the marina and boat launch just moments away, bring your water toys, canoes, kayaks, or even store your larger boat at the local marina! For fishing enthusiasts, this location is nothing short of paradise! Cast your line into Belmont Lake where Northern Pike, Largemouth Bass, and Smallmouth Bass await eager anglers within part of the renowned Trent-Severn Waterway. With a double car garage one side transformed into an inviting rec room and the other serving as ample storage you'll have all the space you need for gear and recreational activities. This is an ideal escape from the hustle and bustle of city life. Don't miss out on this incredible opportunity to own your slice of tranquility! Whether you seek adventure or simply wish to bask in nature's beauty while enjoying peaceful evenings by the firepit, this cottage is calling your name. More detailsListed by RE/MAX WEST REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1091 Brenholm Lane in Haliburton: Monmouth House for sale (Highlands East) : MLS®# X12319600
1091 Brenholm Lane Haliburton K0L 3C0
$455,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12319600
- Bedrooms:
- 3
- Bathrooms:
- 1
Adorable 3 Bedroom 1 Bathroom Cottage on just over an Acre Property on the quiet Grace River. Grace River flows between Grace Lake and Dark Lake in a Beautiful area of Haliburton. This Cottage has Pride of Ownership and has been Maintained by the Same family for 36 Years. The Kitchen has a Walk-Out to a Private Wrap Around Veranda overlooking waterfront. Large living room with cozy woodstove and two walk outs to the deck. Enjoy the well manicured, one acre of total Privacy. Enjoy Sitting Around the Firepit and Roasting Marshmallows under the stars. Just minutes from the town of Wilberforce and Schools. School Bus access at the entrance of Brenholm Lane. More detailsListed by IPRO REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated August 2, 2025 at 04:15 AM (UTC)
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What to Expect from Affordable Ontario Cottages
Cottages in this price range often include:
• 2-3 bedrooms with cozy interiors and rustic charm
• Waterfront access or proximity to lakes, trails, and parks
• Seasonal or winterized structures with wood-burning stoves
• Decks, firepits, and private outdoor space for relaxation
Why Cottages Under $500K Are in High Demand Across Ontario
• Ideal for families and retirees looking for a peaceful escape
• Lower property taxes and maintenance costs
• Potential for Airbnb or seasonal rental income
• Opportunities to renovate or build equity over time
Where to Find Cottages for Sale in Ontario Under $500 000
Look for listings in areas like Kawartha Lakes, Bancroft, Haliburton Highlands, Parry Sound, and Northern Ontario regions, where land and lakefront options still exist within this budget.
Explore More GTA Homes:
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Each link provides updated listings and expert insights.
FAQs – Cottages for Sale Ontario Under $500 000
1. Are cottages under $500K move-in ready or fixer-uppers?
Many are seasonal and may require cosmetic updates, but move-in-ready options exist, especially outside major tourist zones.
2. Can I finance a cottage in this price range?
Yes. Financing is available, though terms may differ for seasonal vs. year-round cottages. Talk to your lender for details.
3. Are there waterfront cottages for under $500,000?
Yes, especially in less commercialized or northern regions, though they may be smaller or more rustic.
4. Can I rent out my cottage when I’m not using it?
Many buyers turn their cottages into part-time income properties, especially during summer and long weekends.
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.