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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1138A Watkins Lane in Frontenac: 53 - Frontenac North House for sale : MLS®# X12373439
1138A Watkins Lane Frontenac K0H 1C0 
$469,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12373439
- Bedrooms:
- 3
- Bathrooms:
- 1
Welcome to your lakeside retreat on the shores of beautiful Malcolm Lake near Ardoch! This very private, charming 3-season vintage cottage sits on incredible lot with 175 feet of owned waterfront, offering unobstructed east-facing views, the perfect spot to enjoy your morning coffee as the sun rises across the water. Access is easy and reliable, via a township-maintained road with a short stretch of privately maintained lane off Smith Road. Just minutes away, the renowned Dark Sky Reserve provides world-class stargazing and endless outdoor adventures, making this an all-seasons family escape. Malcolm Lake itself spans 512 acres, with a maximum depth of 22 and an average of 7perfect for swimming, boating, fishing, canoeing, and kayaking. It also connects to Ardoch Lake (locally known as Green Lake), a more private gem where anglers can reel in Walleye, Northern Pike, and both Large and Smallmouth Bass. Recent updates include; bathroom vanity & toilet, new shingles, doors, and windows & refreshed kitchen cupboards Whether you're looking for a family getaway, a quiet fishing spot, or simply a place to unwind surrounded by nature, this property checks all the boxes. Conveniently located within 90 minutes of Ottawa, 3 hours from Toronto and 4 hours from Montreal. Discover this ideal blend of escape and accessibility. More detailsListed by CENTURY 21 HERITAGE GROUP LTD., BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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5 Triple L Lane in Renfrew: 572 - Brudenell/Lyndoch/Raglan House for sale (Brudenell, Lyndoch and Raglan) : MLS®# X12373540
5 Triple L Lane Renfrew K0J 2A0
$439,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12373540
- Bedrooms:
- 2
- Bathrooms:
- 1
Welcome to your perfect lakeside escape on the crystal-clear waters of beautiful Lorwall Lake. An exclusive, no-public-access lake known for its incredible firm sand bottom, clean water, fishing and peaceful surroundings. This charming fully furnished 3-season cottage offers 2 bedrooms and 1 bathroom, and has been thoughtfully updated with a long list of recent renovations that blend modern convenience with classic cottage charm. Inside, you'll find durable vinyl flooring, upgraded light fixtures, and most windows replaced to let in plenty of natural light. The walls have been insulated and finished with warm tongue-and-groove pine, adding both comfort and character. The kitchen has been refreshed with modern appliances, a new tap, and refinished cabinets, making it both functional and inviting. A fresh coat of exterior paint gives the cottage a crisp, clean curb appeal that fits perfectly with the natural surroundings. Outside, on approx. 100ft of shoreline, 3 sections of dock provide ample space to relax by the water, cast a line, or launch your boat. Whether you're sipping your morning coffee on the deck or enjoying a sunset paddle, life on Lorwall Lake is all about slowing down and enjoying the moment. This cottage is the ideal weekend retreat or summer getaway. With no public access to the lake, you'll enjoy unmatched privacy and serenity. 24 hr irrevocable. More detailsListed by SIGNATURE TEAM REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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48 Poechman Lane in Bruce: Brockton House for sale : MLS®# X12373614
48 Poechman Lane Bruce N0G 2V0
$379,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12373614
- Bedrooms:
- 4
- Bathrooms:
- 1
Escape to this charming 4-bedroom cottage nestled along the picturesque Saugeen River. Perfect for nature lovers and outdoor enthusiasts, this property offers serene waterfront living with its own private dock and boat access. Whether you're fishing, kayaking, or simply enjoying the tranquil views, this location promises relaxation and recreation.Located at the end of a quiet dead-end back road, you'll experience the peace and privacy of country living, all while being conveniently situated between the vibrant towns of Hanover and Walkerton. This prime location ensures you're never far from shopping, dining, and local attractions, making it ideal for weekend getaways or summer retreats.Inside, the cottage features a cozy layout, four bedrooms and a 3 pc bathroom perfect for family to gather & unwind. The open-concept living area leads out to a covered back porch and spacious yard, where you can soak in the natural beauty surrounding the property. An attached garage & over half an acre of land are just a few of the added features of this peaceful retreat. **this home is seasonal and is not winterized / useable in below freezing temperatures it is also located on a road that is not maintained in the winter months** More detailsListed by Royal LePage Heartland Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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3 Short Street in Haliburton: Bicroft Ward House for sale (Highlands East) : MLS®# X12373621
3 Short Street Haliburton K0L 1M0
$399,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12373621
- Bedrooms:
- 3
- Bathrooms:
- 1
Escape to Your Own Slice of Haliburton Paradise! Discover the perfect blend of comfort and tranquility at this charming 2+1 bedroom, 1 bathroom bungalow nestled on a large lot in the heart of Highlands East. This cozy retreat offers the ideal opportunity to embrace the coveted cottage country lifestyle while enjoying the convenience of year-round living. Step inside and enjoy the seamless flow of the kitchen, dining, and living area, creating generous living space that maximizes comfort and functionality. The move-in ready bungalow features single-level living for ultimate convenience, with 2 comfortable bedrooms that provide flexible space for family, guests, or a home office setup. The well-appointed full bathroom serves the home efficiently, while the practical floor plan offers privacy and convenience throughout. From the kitchen area, patio doors lead you to a private deck perfect for BBQ and outdoor gatherings, creating an ideal extension of your indoor living space. The large detached garage provides excellent space for storage or a workshop, adding valuable functionality to this well-designed property. Located in the sought-after Highlands East community, you'll enjoy easy access to pristine lakes, hiking trails, and all the outdoor adventures the Haliburton Highlands region has to offer. Whether you're looking for a peaceful retreat, weekend getaway, or smart investment in Ontario's cottage country, this property delivers on all fronts. The convenient single-level living makes it ideal for all ages, while the low-maintenance bungalow design provides an exceptional opportunity in one of Ontario's most desirable regions. Don't miss this opportunity to own your piece of the Haliburton Highlands just 15 minutes from Bancroft and 1 hour from Peterborough! More detailsListed by RE/MAX ROUGE RIVER REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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128 Devils Glen Road in Bruce: Northern Bruce Peninsula House for sale : MLS®# X12373714
128 Devils Glen Road Bruce N0H 2T0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12373714
Build your dream home on this stunning 2.25 acre waterfront lot. Situated at the south west end of Little Pike Bay, with easy access to Lake Huron. Privately located in the exclusive "Shores" development just 25 minutes north of Wiarton. Create the home or cottage you've always imagined! Perfectly positioned and convenient to all areas of the Bruce Peninsula. Just 30 minutes north of Sauble Beach, 40 minutes south of Tobermory and 20 minutes west of Lion's Head. Live on and explore the Bruce Peninsula anytime you desire. Imagine your weekends hiking the Bruce Trail, swimming at The Grotto, laying on the sandy beaches of Sauble Beach, and so much more! Avoid GTA and highway 400 traffic and see why the Bruce Peninsula is one of the most amazing areas in Ontario! Open The Door To Better Living!! More detailsListed by RE/MAX Grey Bruce Realty Inc.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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212 Perch Cove Lane in Lennox & Addington: 58 - Greater Napanee House for sale (Greater Napanee) : MLS®# X12373767
212 Perch Cove Lane Lennox & Addington K7R 3K7
$349,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12373767
- Bedrooms:
- 2
- Bathrooms:
- 1
Welcome to your own slice of paradise on 1.9 acres of private, waterfront land nestled in a quiet bay, offering a rare blend of seclusion, convenience, and stunning natural beauty. This property features an existing cottage footprint with two bedrooms, one bathroom, and an open-concept kitchen and living area. Large windows stretch across the front, inviting in panoramic views and natural light. Enjoy level access to the shoreline, perfect for swimming, paddling, or launching your boat. The sheltered bay is a boaters dream, and the southwest-facing waterfront offers unforgettable sunset views over the water each evening. With existing accessory buildings on the property and year-round road access, you have the flexibility to enjoy it now or build your dream cottage getaway. Located just a short drive from Prince Edward County, you'll be close to renowned wineries, farm stands, local markets, and more ideal for weekend getaways or a peaceful year-round residence. Opportunities like this don't come around often. Discover the potential of waterfront living in one of Ontario's most scenic regions. More detailsListed by RE/MAX FINEST REALTY INC., BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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162036 Wool mill Road in Timiskaming: TIM - Outside - Rural House for sale : MLS®# T12374074
162036 Wool mill Road Timiskaming P0J 1A0
$189,900Residential Freehold- Status:
- Active
- MLS® Num:
- T12374074
- Bedrooms:
- 2
- Bathrooms:
- 1
20-Acre Private Retreat in Brethour Township - Discover your own slice of paradise with this 20-acre property nestled in the heart of Brethour Township, where Pontleroy Creek meanders along the rear boundary - offering both tranquility and natural beauty. At the heart of the property sits a charming 2-bedroom, 1-bathroom bungalow (approx. 760 sq.ft.), ready for your personal touch. With solid bones, it provides a great foundation for renovation or expansion, whether you envision a cozy year-round residence or a peaceful country getaway. Additional features include a single-car garage and a rustic barn, both offering potential for restoration and creative use. A 2" drilled well is located in the front yard (not currently connected to the home), giving you options for future water access. Whether you're looking to build your dream home, establish a private cottage retreat, or simply park your camper and enjoy the outdoors, this property offers endless possibilities. Don't miss this opportunity to own a piece of Northern Ontario beauty More detailsListed by CENTURY 21 TEMISKAMING PLUS BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Part 1 R13 Road in Leeds and Grenville: 820 - Rideau Lakes (South Elmsley) Twp House for sale (Rideau Lakes) : MLS®# X12374314
Part 1 R13 Road Leeds and Grenville K0G 1L0
$279,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12374314
Big Rideau Lake building lot on 1.29 acres of beautiful land. 256 of natural shoreline with a sandy beach area. Fronts on crystal clear Davidson Bay with a mixture of year round homes and cottages. This level lot enjoys all day sun and offers an abundance of privacy. Large, approved buildable envelope in place to construct your dream home or lakeside cottage + outbuildings. Build now, build later - the choice is yours. This lot is boat launch ready. Install a dock at the beach area for swimming, fishing and boating. Private point location. Year round access. Wildlife in abundance. Big Rideau Lake is a UNESCO World Heritage Site and part of the Rideau Canal system. Boat to Ottawa, Kingston, Toronto or Montreal through the historic lock system. 15 minutes to Perth or Smiths Falls. Just over an hour to Ottawa or Kingston and 3.5 hours to Toronto. Rare opportunity to get on this premier Ontario Lake at this attractive price point. More detailsListed by RE/MAX HALLMARK REALTY GROUP- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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4 21 Prospect Street: Parry Sound Condo Apartment for sale : MLS®# X12374393
4 21 Prospect Street Parry Sound P2A 2B5
$339,000Residential Condo & Other- Status:
- Active
- MLS® Num:
- X12374393
- Bedrooms:
- 1
- Bathrooms:
- 1
GEORGIAN BAY WATERFRONT VIEWS! Preferred Main Floor 1 Bedroom Condo, STUNNING SUNSET SKIES right from your private balcony! Located in a desirable neighbourhood steps from the BEACH, BOAT LAUNCH & FITNESS TRAIL, High ceilings, Open concept, Tasteful decor, Updated flooring, New kitchen w quality appliances, BI dishwasher, Updated 4 pc bath, Immaculate & move in ready, This is a great home for a first time Buyers, Retirees/snowbirds, Cottage vacation getaway, Pop your kayak in the Bay & away you go! (No pets permitted. Visitor pets may be allowed for short time frame. No short term rentals for peace of mind and quiet). $431.49/month condo fee includes, water & sewer, grounds/common area maintenance, snow removal, 1 parking space & 1 storage unit. Laundry room has new Maytag washer & dryer, Move in ready, Parry Sound offers great shopping, schools, restaurants, Stockey Entertainment Centre, Excellent hwy access to the GTA, Embrace Georgian Bay Living Today! 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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34C Bentley Lake Place in Hastings: Faraday House for sale : MLS®# X12374513
34C Bentley Lake Place Hastings K0L 1C0
$499,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12374513
- Bedrooms:
- 3
- Bathrooms:
- 1
Discover the Hidden Gem of Bentley Lake! Just minutes from town, this motor-friendly lakefront property offers stunning, panoramic views from every angle. Whether you're looking for a year-round home or a peaceful cottage getaway, this property delivers. A staircase leads you down to the waters edge, where you'll find a spacious dock providing ultimate privacy. Enjoy tranquil, elevated views of the lake from your private back deck or through the living room windows. Inside, a bright sunroom entrance welcomes you into the cozy open-concept kitchen, living, and dining areas, all overlooking the serene lakeside and dock. The main floor features a master bedroom, full bathroom, and convenient main floor laundry. Upstairs, you'll find two additional bedrooms. The home also boasts a metal roof, vinyl siding, updated windows, and a heated, insulated double bay garage with a drive shed and workshop space! More detailsListed by CENTURY 21 WENDA ALLEN REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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503 Margaret Street in Simcoe: Port McNicoll House for sale (Tay) : MLS®# S12374871
503 Margaret Street Simcoe L0K 1R0
$144,900Residential Freehold- Status:
- Active
- MLS® Num:
- S12374871
Turn your vision into reality on this great residential building lot in Port McNicoll, a charming waterfront community on the shores of Georgian Bay. This vacant land opportunity offers the perfect canvas to create the home or cottage you've always imagined. Located in a peaceful setting, the property provides easy access to the Trans Canada Trail and the sparkling waters of Georgian Bay, ideal for boating, hiking, cycling, and outdoor adventures. Enjoy all the amenities nearby, including golf courses, parks, ski hills, marinas, schools, shopping, dining, and the town of Midland just a 10-minute drive away. With year-round road access and utilities available at the lot line, this property is ready for your build. Zoned R2, it allows for a single detached dwelling or even an accessory bed and breakfast. Whether you're looking for a family home site, retirement retreat, or an investment in a growing community, this lot offers great potential. Don't miss your chance to own vacant land in Georgian Bay, a truly desirable location for your next chapter. More detailsListed by Team Hawke Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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21 WEE-GE-WA Road in Parry Sound: Seguin House for sale : MLS®# X12374942
21 WEE-GE-WA Road Parry Sound P2A 0B2
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12374942
VTB potential! Bring an offer. Luxury waterfront building lot on Clear Lake with 387 feet of water frontage, 4.99 acres and a stunning west exposure with sunset filled skies. Located on a year-round municipal maintained road in the township of Seguin, District of Parry Sound, just over a couple hours north of the GTA. A well treed lot with great privacy. A superior lot on the lake with gentle access to the waterfront. Hydro at the lot line. Executive Neighbourhood homes/ cottages built by reputable builders. Enjoy the soothing sounds of Mother Nature and glistening waters of this quiet lake. Clear lake is a smaller lake, ideal for smaller boats with great fishing, kayak/ canoeing or paddle boarding. Boat launch nearbyVisit larger lakes nearby with larger boat activities but go home to the peace and tranquillity of your cottage country paradise. The Town of Parry Sound is just 25 minutes away for big box stores, theatre of the arts, markets, schools, hospital, and much more. Once you visit, you wont want to leave. Stop running in circles and make this your home base! 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
Data was last updated September 2, 2025 at 10:15 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.
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.