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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90 Bradley Road in Parry Sound: Seguin House for sale : MLS®# X12408350
90 Bradley Road Parry Sound P2A 0B6 
$650Residential Freehold- Status:
- Active
- MLS® Num:
- X12408350
- Bedrooms:
- 4
- Bathrooms:
- 1
3+1 Bedroom cozy cottage nestled by the quiet lake with a sandy beach and a long lake dwelling free view.. The bright and cheery country kitchen, along with the open dining area, creates a welcoming space for family gatherings and meals. Additional outdoor dining area is perfect for relaxing and enjoying the serene views. The attic area, loft bedroom and play area for the kids add an extra charm to the cottage, providing both a cozy sleeping space and a fun spot for children to play. The gentle sloping towards the lake and the open space for gatherings around the fire make it ideal for outdoor activities and enjoying the natural surroundings. Private boat launch and driveway down to the lake is convenient for water activities, and the 2+ acres of mixed forest offer opportunities for peaceful nature walks right on the property. Easy access to amenities in the nearby village of Orrville, including a general store, library, community centre, and summer farmer's market. The Seguin Recreational Trail nearby offers opportunities for outdoor adventures, and a 30 minute drive to Parry Sound and beautiful Georgian Bay adds even more options for exploration and leisure activities. Blackwater Lake is a headwater lake for the Seguin watershed. No restrictions regarding motorboats. Overall, this cottage seems like a wonderful place to create lasting memories with family and friends, surrounded by nature's beauty and tranquility. More detailsListed by Seguin Real Estate Brokerage Ltd- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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10271 Mary Avenue in Lambton: Grand Bend House for sale (Lambton Shores) : MLS®# X12408377
10271 Mary Avenue Lambton N0M 1T0
$459,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12408377
- Bedrooms:
- 2
- Bathrooms:
- 2
Your Escape awaits at 10271 Mary Ave. Here's your opportunity to enjoy the Lake Huron lifestyle at an exceptional price! Nestled among mature trees in the sought-after Dalton Subdivision, this charming 1+1 bedroom cottage is perfectly positioned just steps from nature, bordering the breathtaking Pinery Provincial Park. This property is the definition of a tranquil retreat for nature lovers, offering peace, privacy and stunning natural surroundings - every window frame is a view of lush forested landscape, inviting you to slow down and reconnect with the outdoors. This is an opportunity to start dreaming as this property offers unlimited potential to create something truly special. The main floor features a bright, open-concept layout with a kitchen, dining area, and cozy living room complete with a gas fireplace perfect for relaxing after a day on the trails or at the beach. The primary bedroom includes two closets. Main level also offers a full 4-piece bathroom with a linen closet. Downstairs, the walk-out lower level has a versatile recreation room, second bedroom, storage space, and laundry area with toilet, offering great flexibility for guests or year-round living. Located just a 5-minute drive to Grand Bend Beach and 10 minutes to Port Franks, you will enjoy easy access to some of Lake Hurons best shoreline, plus nearby marinas, golf courses, scenic walking trails, restaurants, and the river. Whether you're seeking a weekend escape, investment property, or year-round sanctuary, this peaceful property is ready for your vision. It may need a little love, but it offers boundless potential in one of the areas most desirable locations. Discover serenity, natural beauty and the promise of something truly yours - right here at 10271 Mary Ave. More detailsListed by STREETCITY REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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319 Boundary Road in Haliburton: Lutterworth House for sale (Minden Hills) : MLS®# X12407169
319 Boundary Road Haliburton K0M 2A1
$245,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12407169
- Bedrooms:
- 3
- Bathrooms:
- 2
Opportunity awaits on this 1 acre property just minutes from the charming village of Kinmount. With the major structural work already completed, this uninsulated shell is ready for you to bring your vision to life. The 24' x 32' main floor sits on a completed block foundation with a full gravel-floored basement. The foundation and shell were completed in 2017; with roof, windows and doors added in 2024. This property is ready for you to take it across the finish line. The lot is partially cleared while still surrounded by mature trees; offering both usable space and natural privacy. No septic or well has been added, giving you full control over the design and finishing of services. A driveway is already in place with year-round municipal road access for convenience. Adventure is not far away- spend your days exploring the nearby rail trail system with miles of trails for snowmobiling, ATVing, biking and hiking. Public access to Burnt River is just around the corner - perfect for swimming, paddling and fishing, along with a public boat launch to Davis Lake just 5 minutes away. Whether you're dreaming of a cottage getaway or a future year-round home, this property gives you the opportunity to design and finish every detail to your taste. Surrounded by nature, the property is home to an abundance of wildlife, offering a true Country Setting. *Do not enter property unless you have a confirmed showing with an agent- property is still under construction* More detailsListed by RE/MAX Professionals North- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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3 Island 15KL in Muskoka: Morrison House for sale (Gravenhurst) : MLS®# X12407257
3 Island 15KL Muskoka P0E 1G0
$479,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12407257
- Bedrooms:
- 4
- Bathrooms:
- 1
This 4 bedroom Kahshe Lake cottage is uniquely designed and just waiting for a new owner to put their stamp on it. Featuring 4 bedrooms (with potential and drawings for a 5th) and 1 full bath over 3 levels. Architecturally intriguing and extremely private, this boat access cottage is located only 2 mins from two different marinas and just 90 mins from the 401. The lot is about .7 of an acre with 115' of frontage with no visible neighbours on either side, you have the opportunity to keep it that way by purchasing the vacant lot next door and use this cottage while you plan your dream build. With North exposure you get the sun on the dock all day as it rises to your right and sets to your left with clear views down the channel both ways. Some recent utility work has been done including new sewage pump and lines, new UV treatment system, hot water tank and pressure tank. There is an unfinished space in the cottage that does need TLC, affording the opportunity to make this 456 sq ft. area into a primary suite, rec room or whatever suits your needs. The lot is fairly elevated but the Cottage sits close to the water and has large decks front and back. Available immediately to enjoy this summer! Book your showing today and see what this one of a kind opportunity entails. More detailsListed by Royal LePage Lakes Of Muskoka Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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40 Sunset Cove Road in Parry Sound: Seguin House for sale : MLS®# X12407627
40 Sunset Cove Road Parry Sound P2A 0B6
$499,999Residential Freehold- Status:
- Active
- MLS® Num:
- X12407627
A rare opportunity to own 13 acres of privacy with a newly built 32x50 garage/shop in 2021. No details forgotten! 16x50 carport. Propane forced air for year round use. Automatic doors. 200 amp panel. Built with permits and to code. Build your cottage country dream house in a peaceful area in Seguin Township. Located on a year round privately maintained road. A well treed property with over 1700 feet frontage along the private road.Multiple area lakes nearby. It doesn't end there. This property can be purchased alone or together with the waterfront home across the road for a package price (41 Sunset Cove Rd). Open your mind to the possibilities of this property but don't blink. This is a one of a kind property that may be gone before you log in again. 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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15KL2 KAHSHE in Muskoka: Morrison House for sale (Gravenhurst) : MLS®# X12407288
15KL2 KAHSHE Muskoka P0E 1G0
$399,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12407288
Plant your roots at this wonderful island retreat on sought after Kahshe Lake. This large vacant parcel features over 2 acres and a whopping 360' of shoreline frontage. The land is gentle from the waters edge and could offer a building site with no stairs to the water! It is well treed, super private and easy to access. The current owners have taken steps to make development easier including installing a transformer and construction hydro panel ready for the submersible supply line to connect. Spend time on the property right away in the well built bunkie with deck (and outhouse) while you plan your dream cottage. The shoreline has a stunning granite point that affords views down the lake both East and West for all day sun! Enjoy an evening lakeside campfire and spend your days floating in the sun, all only a 2 min boat ride from either Denne's Marina or Rockhaven Inn. This is the one! More detailsListed by Royal LePage Lakes Of Muskoka Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1944A-1944B FISH CREEK Road in Frontenac: 47 - Frontenac South House for sale : MLS®# X12405682
1944A-1944B FISH CREEK Road Frontenac K0H 2V0
$429,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12405682
- Bedrooms:
- 4
- Bathrooms:
- 2
3 FOR THE PRICE OF 1! Welcome to 1944A & 1944B Fish Creek Road, a rare and versatile opportunity onjust shy of 8 acres across THREE SEPARATE LOTS, with quick access to beautiful Bob's Lake. This uniqueproperty features two separate homes, each offering 2 bedrooms and 1 bathroom, perfect for extendedfamily, guest accommodations, or short-term cottage rentals. PLUS an additional lot with tons of potential!Each house has its own independent septic system with a shared well with plenty of water (inspectionreport available upon request). In addition to the existing residences, the fully severed vacant lot providestons of potential, whether you are looking to build, expand, or invest in additional space. Located near oneof the region's most sought-after lakes, this property is ideal for those seeking a peaceful retreat withincome or development potential. A must-see for investors, families looking to have everyone closetogether, or nature lovers looking for space and flexibility in cottage country. More detailsListed by EXP REALTY, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 10 Elizabeth Street in Frontenac: 04 - The Islands House for sale (Frontenac Islands) : MLS®# X12405853
Lot 10 Elizabeth Street Frontenac K0H 2Y0
$349,500Residential Freehold- Status:
- Active
- MLS® Num:
- X12405853
Spectacular St. Lawrence River waterfront building lot, located on the south shore of Wolfe Island in the heart of the Thousand Islands. This private 1+ acre property features southern exposure, a gentle slope to 135 feet of natural flat rock shoreline, clean waterfront, provides breathtaking sunrises over the St. Lawrence shipping channel, sunsets over neighbouring fields and well maintained year round access. Quality waterfront on the St. Lawrence River is becoming hard to find and making this the perfect place to built your cottage or year round dream home. This property is a must see. Its time to come enjoy Island life. More detailsListed by ROYAL LEPAGE PROALLIANCE REALTY, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Unit #11 422 Island View Road in Northumberland: Rural Alnwick/Haldimand House for sale (Alnwick/Haldimand) : MLS®# X12406219
Unit #11 422 Island View Road Northumberland K6H 5R7
$395,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12406219
- Bedrooms:
- 2
- Bathrooms:
- 1
Turnkey 4-Season Cottage on Rice Lake -- Just $395,000! Less Than 150 km from Toronto | Sleeps 14 | Water Access with Dock Across the Road. Only 1.5 hours from Toronto, this is your chance to get into cottage living without breaking the bank. Whether you're seeking a family retreat or an investment in the short-term rental market, this one checks all the boxes. Escape to Rice Lake with this fully renovated, 4-season cottage getaway that's ready to move in & enjoy! Priced affordably at just $395,000, this property is a rare find offering the complete package for family fun, relaxation, or short-term rental potential. So many upgrades, a drilled well with UV system, new roof, spray foam insulation, and annual property tax under $850. The main cottage has been beautifully updated and is move-in ready, complemented by a guest bunkie and a 2-bedroom camping trailer, giving you space to comfortably sleep up to 14 guests. Whether you're hosting friends or creating cherished family memories, there's room for everyone. Enjoy clean shoreline swimming and boating just steps away via your dock across the road. While not directly waterfront, you'll still enjoy wide western views over Rice Lake perfect for sunsets and long summer evenings. Don't miss out on this affordable slice of cottage country! More detailsListed by ROYAL LEPAGE PROALLIANCE REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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141 Middle Road in Parry Sound: Monteith House for sale (McMurrich/Monteith) : MLS®# X12406301
141 Middle Road Parry Sound P0A 1C0
$349,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12406301
- Bedrooms:
- 1
- Bathrooms:
- 1
Potential for partial VTB mortgage! All your'e missing is the gingerbread and that can be easily made in your very own fairytale Log Cabin in the woods. 49 acres of blissful property, A true charming & rustic, off-grid log cabin located off a municipal maintained road in Sprucedale. Great privacy and a quiet location. Wood walls, vaulted ceilings and open concept.Set up your telescope and star gaze from the large picturesque windows. Plenty of sleeping and sitting area. Metal roof, shed for storage.Level area surrounding the cabin creates a playground for all ages.Just a few doors up is crown land for you to explore and enjoy all season activities hiking, snowshoeing off-roading and snowmobiling. Have the urge to go boating and swimming? Lots of space to keep your boat on the property. Hook up the hitch and enjoy the waterfront without the waterfront taxes. This fairytale cottage is not a home. It is everything you imagine a getaway cottage could be. Whether its just you reading quietly, listening to some classical music or entertaining a large crowd, your cottage can be your camouflage from the outside, hustle and bustle, hectic world. Every season at the cottage will be your favourite season. Simplicity means more. click on the media arrow below for video and 3D imaging. Let's go for a walk! 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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493817 Baptist Church Road in Grey County: West Grey House for sale : MLS®# X12406307
493817 Baptist Church Road Grey County N0C 1K0
$399,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12406307
- Bedrooms:
- 1
- Bathrooms:
- 1
Charming Year Round Cottage or Home on a Private 2-Acre Treed Lot. Nestled amongst the trees on a peaceful 2-acre lot, this cozy year-round home or weekend getaway offers the perfect escape from the hustle and bustle of everyday life. A winding driveway leads you to this charming 600 sq ft retreat where comfort meets natural beauty. Step inside to an inviting open-concept layout featuring a warm wood interior, cathedral ceiling and large windows that flood the space with natural light and offer tranquil views of the surrounding landscape. The kitchen, dining and living areas are anchored by a wood stove that can heat the space up in no time. Home is finished up with a good sized bedroom and a full 4 pc bathroom. A walkout from the main level leads to a wrap-around deck ideal for morning coffee, al fresco dining or simply soaking in the peaceful countryside air. The walkout basement houses a mechanical room and a spacious workshop for storage ideal for hobbyists or outdoor gear. Whether you're into fishing, canoeing, hiking, cross-country skiing, ATVing or snowmobiling this property is a nature lovers paradise with easy access to miles of nearby trails and rivers. Also features a 100 amp breaker panel. Just 10 minutes to either Markdale or Durham for hospital, shopping and dining. If you seeking a weekend retreat or a simpler, more intentional lifestyle, this little piece of heaven is waiting for you. More detailsListed by Royal LePage RCR Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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P 8 7489 SIDEROAD 5 E in Wellington: Rural Wellington North House for sale (Wellington North) : MLS®# X12406321
P 8 7489 SIDEROAD 5 E Wellington N0G 2L0
$14,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12406321
- Bedrooms:
- 1
- Bathrooms:
- 1
Looking for your Summer Cottage Alternative? Come take a look at this really cute 1 bedroom with sunroom addition. Located on a lovely lot with no neighbours directly in front, you will love sitting back and enjoy the peace and quite! This is a great unit for retirement or for a small family starting their Spring Valley experience. The sunroom adds bright additional space to the unit and has lots of windows, it is bright and airy! Sit around the campfire in the evenings and stargaze! Enjoy a kayak or paddle boat ride around one of the non-motorized lakes, or spend a lazy afternoon fishing (catch and release).This unit is located in the seasonal park - Parkbridge Spring Valley Resort and opens the 2nd weekend of May and closes the weekend after Thanksgiving. The resort offers 2 pools (1 adult, 1 family), mini putt, beach and swimming areas, rec. programs and much more. More detailsListed by RE/MAX at Blue Realty Inc- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Data was last updated September 17, 2025 at 01:15 PM (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.
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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.