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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Lot 1 Wendigo Lake in Timiskaming: Central Timiskaming House for sale (Englehart) : MLS®# T12253614
Lot 1 Wendigo Lake Timiskaming P0J 1H0 
$235,000Residential Freehold- Status:
- Active
- MLS® Num:
- T12253614
- Bedrooms:
- 3
- Bathrooms:
- 1
Peaceful dream escape on Wendigo Lake! Water and ATV trail access. Open concept living kitchen, dining area, and living room has 3 bedrooms, a lakeside primary bedroom with stunning sunrise views. Also includes a mudroom and workshop which are necessities with a cottage. Hydro, modern plumbing, hot water on demand, full bathroom including tub and shower, and non-electric Sun-Mar composting toilet system. Fresh upgrades include new decking, walkways, outhouse with handwashing station, and updated bunkie for quests. All furnishings and appliances included along with an aluminum boat and motor and kayaks. Stunning views, great for swimming and fishing all in a peaceful setting. Leased dock and parking from the MNR no need to worry about securing access, just park and go! More detailsListed by HUFF REALTY LTD- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1036 Lakeshore Road in Frontenac: 45 - Frontenac Centre House for sale : MLS®# X12252656
1036 Lakeshore Road Frontenac K0H 1B0
$269,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252656
- Bedrooms:
- 2
- Bathrooms:
- 1
Affordable 3-Season Cottage Retreat at 1036 Lakeshore Rd, Arden, ON, A Perfect Getaway! Nestled on a quiet dead-end road with year-round access, this charming 2-bedroom, 1-bathroom 3-season cottage offers the ideal opportunity to escape to nature without breaking the bank. This cottage is perfect for weekend getaways or a peaceful seasonal retreat. Step inside to find a cozy open-concept kitchen and living area. The cottage comes fully furnished, including a fridge, stove, and microwave, so all you need to do is pack your bags. Enjoy the warmth of the propane stove, perfect for chilly evenings. The cottage has seen several recent upgrades, including a replacement of the shingles (2020), well pump (2022), hot water tank (2018) and the water pressure tank was replaced in 2024, ensuring comfort and functionality for years to come. The property also includes a large 9 x 24 detached workshop or small garage, along with two additional smaller sheds for all your storage needs. Enjoy the convenience of public access to swimming just 200 meters from the cottage, ideal for those warm summer days. In addition, a public beach is just a 10-minute walk away on Henderson, perfect for a relaxing day by the water. For outdoor enthusiasts, ATV trails and snowmobile trails are nearby, offering adventure all year long. The public boat launch on Kennebec Lake is also just a short drive away, offering easy access to the water for boating, fishing, and more. Located only three hours from Toronto or 90 minutes from Ottawa, this property offers year-round road access, making it the perfect retreat for those looking to unwind or explore the surrounding nature, including excellent fishing and outdoor adventures. More detailsListed by EXP REALTY, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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3138 Sturgeon Lake Road in Nipissing: Papineau Cameron House for sale (Papineau-Cameron) : MLS®# X12252799
3138 Sturgeon Lake Road Nipissing P0H 1V0
$329,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252799
- Bedrooms:
- 4
- Bathrooms:
- 1
If you're looking for peace, privacy, and a true escape from the everyday, welcome to 3138 Sturgeon Lake Road. Tucked away in the quiet township of Papineau-Cameron, this rustic, off-grid cottage sits on the beautiful shores of Papineau Lake, a hidden gem known for its clean water, natural beauty. and plentiful trout. This is not your average waterfront property. There's no septic, no well, and hydro is minimal. Water is drawn directly from the lake (with gravity fed running water to kitchen sink!), and life here runs a little slower, a little quieter, and a lot more connected to nature. The cottage is all on one level and offers room for the whole family, with four bedrooms, a large open kitchen and dining area, and a spacious living room for rainy day board games. Step out from the kitchen/dining area into the screened-in porch and enjoy morning coffee or evening breezes without the bugs. A two-year-old dock leads you to the water. An indoor shower adds a bit of comfort to the off-grid lifestyle, and this property also includes furnishings so you can settle in with ease. Enjoy your single detached garage/workshop perfect for tinkering/storage and separate garden/marine shed for additional covered storage. If you've been dreaming of a back-to-basics retreat; a place where the stars are bright, the loons call across the lake, and your days are ruled by sunrises and campfires-- this could be your perfect fit. A one million dollar view for a small price tag-- don't let this opportunity slip away. More detailsListed by Century 21 Blue Sky Region Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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106 Washington Avenue in Grey County: Georgian Bluffs House for sale : MLS®# X12253880
106 Washington Avenue Grey County N4K 5N4
$350,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12253880
Unique opportunity to purchase vacant land in the pleasant, upscale neighborhood of Balmy Beach. Nestled between Old Beach Road and Balmy Beach Road, this rare opportunity of a prime piece of land offers the canvas for either your dream home or cottage retreat and is less than a 5-minute drive from Cobble Beach and Legacy Ridge Golf. Enjoy nearby access to breathtaking views, the pristine waters of Georgian Bay, and the serene surroundings of this quiet family neighbourhood. Fall asleep to the soothing waves of the shoreline or cast your fishing line to try your luck. Have a boat you'd like to launch, it's no problem here as the Balmy Beach boat launch is just steps away! The area offers countless opportunities for a variety of activities, such as hiking, cycling and water recreation or simply unwind on the sandy beaches nearby. Embrace the opportunity to build your ideal oasis in this highly sought-after location. Nearby homes have natural gas and municipal water. More detailsListed by Century 21 In-Studio Realty Inc.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville) : MLS®# X12252651
6 & 8 Brennan Circle Muskoka P1L 2J2
$424,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252651
- Bedrooms:
- 4
- Bathrooms:
- 1
What if you could have the Muskoka lifestyle - without the waterfront price tag? This might be the opportunity you've been waiting for. Here youhave all the perks - without the premium. Located in the exclusive Norvern Shores community on Lake Vernon, this package includes a cozy 2-bedroom cottage, plus a lofted bunkie (providing 2 more sleeping spaces), and an adjacent 1-acre vacant lot - giving you room to grow, play, and enjoy the lifestyle Muskoka is known for. The 3-season cottage is full of charm, featuring a semi open-concept layout with the warmth of a wood stove, a sprawling front deck for lounging and BBQs, and beautifully landscaped grounds. A circular driveway provides ample parking for family and guests. As a private member of Norvern Shores community, you'll have access to enjoy 400+ acres of forest and over 5,000 feet of pristine shoreline on Lake Vernon- part of Huntsville's four-lake chain with 40+ miles of boating. Enjoy the sandy beach, canoe/kayak racks, boat slip, if desired , boat launch, pavilion, campsites, playgrounds, volleyball court, and scenic lakeview lookout. Norvern Shores is a family-focused, peaceful community. Short-term rentals and Airbnbs are not permitted, so you and your guests can always count on tranquility. Guests are welcome to visit and share in the lifestyle, making this the perfect setting for memorable weekends and long, lazy summers. Walk, cycle, or hop in a golf cart to enjoy the private amenities. Membership includes a one-time $10,000 initiation fee and an annual $1,275 per lot to help maintain the roads and community for everyones continued enjoyment. There's no HST or land transfer tax on closing. Property taxes only apply to lots with structures -currently just $705 per year. All that's left to do is relax! Waterfront perks, minus the waterfront price. This might be the smartest way to have it all! (Cottage lot was surveyed in 2021 - added bonus! Boat slips are currently $250/season and based on availability.) More detailsListed by Peryle Keye Real Estate Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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10385 RABBIT LAKE in Nipissing: Temagami House for sale : MLS®# X12252933
10385 RABBIT LAKE Nipissing P0H 2H0
$449,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252933
- Bedrooms:
- 3
- Bathrooms:
- 1
Nestled in the picturesque wilderness of Temagami, Ontario, this enchanting three-bedroom cottage offers a tranquil retreat on the pristine shores of Rabbit Lake. Accessible only by boat, this secluded haven provides an idyllic off-grid living experience, perfect for those seeking peace and privacy in nature. The cottage boasts three well-appointed bedrooms. Natural wood finishes and large windows create a warm and inviting atmosphere. The open-concept living area is designed for relaxation and togetherness. A wood-burning stove and propane fireplace provide warmth and ambiance, while large windows and sliding doors let in ample natural light and offer stunning lake views. The kitchen is well equipped with modern and includes a propane stove and refrigerator, ensuring you have all the comforts of home while living sustainably. The expansive deck is perfect for outdoor dining, lounging, and soaking in the serene beauty of Rabbit Lake. The cottage is equipped with a robust solar power system, providing reliable electricity for all your needs. Backup generators ensure uninterrupted power supply. This three-bedroom off-grid cottage on Rabbit Lake is a rare gem, offering a perfect blend of rustic charm and modern amenities. With its serene location, sustainable living features, and various outbuildings including a heated outhouse and a shower house, it is an ideal retreat for nature lovers and those seeking a peaceful escape from the everyday world. Whether you are looking for a seasonal getaway or a year-round residence, this property promises a unique and fulfilling lifestyle in the beautiful wilderness of Temagami, Ontario. More detailsListed by Century 21 Blue Sky Region Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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21 Furlong Road in Lennox & Addington: 63 - Stone Mills House for sale (Stone Mills) : MLS®# X12253640
21 Furlong Road Lennox & Addington K0K 2A0
$468,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12253640
- Bedrooms:
- 3
- Bathrooms:
- 1
Full view of entire length of South Beaver Lake but not the waterfront taxes! This unique Cottage style home is great for small families or as an investment property with a year round income rental potential. Experience a cozy atmosphere upstairs with 2 small bedrooms that are accessed through a larger room currently used as the primary bedroom or it can also be used as an additional sitting area that overlooking Beaver Lake. The main level features a mudroom with small dining area that also overlooks the entire length of lake or if you are looking for some afternoon sun, relax in the south-east facing sunroom with garden doors and even more exposure of the Lake. There are plenty of perennial flower gardens outside in the spacious yard as well as a vegetable garden area. Oh, and I forgot to mention-all the lilac bushes surrounding this beauty! (and as a bonus for the handyman...a 2 room detached garage and workshop). Easy access to major highways with the 401 to the south and Highway 7 to the north-both about 20 minutes away. The Beaver Lake Beach as well as the boat launch are both directly across the road, you can access White Lake a couple of minutes away on County Road 13 with their easy access boat launch. Other great amenities located in the area include the Lakeview Tavern, Beaver Lake General Store, LCBO, Blue Door Cafe, SCoopers Pizza and Ice Cream, Black Cat Cafe, and Drug, Grocery and Hardware stores all in Tamworth less than 5 minutes away. Some updates have been recently completed on this property, including new vinyl floors on the main floor, some new windows and doors and updated insulation in some rooms, along with some other changes. A complete list of updates available in Documents. There is just so much ready to be enjoyed with this property, just move in and relax! 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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1536 Papineau Lake Road in Hastings: Wicklow Ward House for sale (Hastings Highlands) : MLS®# X12253285
1536 Papineau Lake Road Hastings K0L 2R0
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12253285
- Bedrooms:
- 3
- Bathrooms:
- 1
First time on the Market: Seasonal cottage on prestigious Papineau Lake with sand beach, fantastic view across the lake, shoreline allowance owned, sloped lot with dry boathouse, deck off the front to sit and enjoy the peaceful afternoon and a beautiful child friendly sand beach to cool off in. Come have a look, this is a great starter cottage on a fantastic lake. More detailsListed by CENTURY 21 GRANITE REALTY GROUP INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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W 68 7489 SIDEROAD 5 E in Wellington: Rural Wellington North House for sale (Wellington North) : MLS®# X12253927
W 68 7489 SIDEROAD 5 E Wellington N0G 2L0
$24,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12253927
- Bedrooms:
- 2
- Bathrooms:
- 1
Look at this great Cottage Alternative! This unit was cleverly designed with large tip outs and an outdoor kitchen... The large master bedroom has pivoting Tv and great storage. The second bedroom has a tip out with 3 bunks and an entertainment area. A great space for the kids to hang out! The kitchen is also a great space with a full-size fridge and stove. Outside you will find a huge lot that backs onto trees with a tiered deck and a great storage shed! There is also a new roof installed this summer as a precautionary measure only, and has a 10 year warranty! This unit is located in Parkbridge Spring Valley Resort, a 3-season resort that opens the weekend before Mother's day and closes the weekend after Thanksgiving. The resort offers 2 pools (1 adult and 1 family) a beach area, mini putt, rec. programs and adult events, and great lakes with a beach area for swimming and other lakes for canoeing, kayaking, and paddle boating with great catch and release fishing! . Call to book your view today and make this your new home away from home! 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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L 38 7489 SIDEROAD 5 E in Wellington: Rural Wellington North House for sale (Wellington North) : MLS®# X12253932
L 38 7489 SIDEROAD 5 E Wellington N0G 2L0
$25,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12253932
- Bedrooms:
- 2
- Bathrooms:
- 2
Great affordable cottage Alternative with Room for the Whole Family! Welcome to your perfect seasonal getaway in Parkbridge Spring Valley Resort! This cleverly designed unit features four spacious tip-outs, maximizing both living and sleeping areas. The primary bedroom offers wall-to-wall closets and a king-size bed, while the second bedroom is a versatile retreat with three bunks, a TV area, convertible table, and a queen-size pull-out couch making room for 5 to sleep comfortably, plus a private 2-piece ensuite. Ideal for guests or kids to enjoy their own space.The kitchen includes a full-size fridge and stove, perfect for family meals or entertaining. Step outside to a large deck with a hardtop gazebo and enjoy one of the biggest lots in the resort! Great for summer BBQs and gathering around the fire.Located in a 3-season SEASONAL resort that opens the first Friday in May and closes the third Sunday in October. The resort offers two swimming pools (1 adult and 1 family), a sandy beach area, mini putt, recreational programming for both children and adults including concerts in the park, comedy nights, line dancing lessons and so much more! .Don't miss out! schedule your viewing today and make this your new home away from home! 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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96 657 THUNDER BRIDGE Road in Kawartha Lakes: Ops House for sale : MLS®# X12253055
96 657 THUNDER BRIDGE Road Kawartha Lakes K9V 4R1
$87,500Residential Freehold- Status:
- Active
- MLS® Num:
- X12253055
- Bedrooms:
- 3
- Bathrooms:
- 1
Located in the beautiful, seasonal lifestyle community of Cedar Valley Cottage Resort on the Scugog River! This Northlander Explorer (2020) features 3 bedrooms (sleeps up to 8) and 1 full bath with ALL furnishings included. Just bring your suitcase and groceries to enjoy maintenance free summer living! Onsite amenities include secure access, boat launch, beach, salt water pool, sports court, clubhouse, onsite laundry, playground and more! Land lease fee for 2025 is $4832.00 + HST (already been paid for the season) and includes land lease, water, grounds maintenance and taxes. Hydro and propane are the responsibility of the cottage owner. Hydro deposit is $200/season. Internet and satellite hookups already installed. Short term rentals permitted only through the rental partnership program where the resort does the booking and advertising. Park open May 1st to Oct 31st. More detailsListed by AFFINITY GROUP PINNACLE REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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438 PIONEER Road in Leeds and Grenville: 805 - Merrickville/Wolford Twp House for sale (Merrickville-Wolford) : MLS®# X12253238
438 PIONEER Road Leeds and Grenville K0G 1N0
$120,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12253238
Tucked away on a quiet country road, this exceptional 2.5-acre lot offers the perfect blend of privacy, natural beauty, and endless potential. Surrounded by mature trees and framed by picturesque tree lines, the flat terrain is ideal for building your dream home, weekend getaway, or serene retreat. Whether you envision a cozy cottage or a sprawling estate, this property provides a peaceful, secluded setting while remaining accessible to nearby amenities. A rare opportunity to create your own sanctuary and enjoy the simple pleasures of nature, don't miss your chance to own a slice of paradise. 30 minutes to Brockville, 25 minutes to Kemptville, 10 minutes to Merrickville More detailsListed by RE/MAX AFFILIATES REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated July 1, 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.
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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.