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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102 3 Tree Tops Lane
Chaffey Huntsville P1H 0B8

$424,500
Residential Condo & Other beds: 2 baths: 2.0

Main Photo: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 1: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 2: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 3: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 4: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 5: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 6: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
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Photo 8: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 9: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Photo 10: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
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Photo 32: 102 3 Tree Tops Lane in Huntsville: Chaffey Condo Townhouse for sale : MLS®# X13424746
Status:
Active
Prop. Type:
Residential Condo & Other
MLS® Num:
X13424746
Bedrooms:
2
Bathrooms:
2
Quick sale needed. An incredible opportunity to own this beautiful condo built in 2019 and tucked within a private, quiet enclave in the heart of Huntsville's premier recreational area. Enjoy an exceptional lifestyle in this 2-bedroom, 2-bathroom condo featuring upscale finishes and a thoughtfully designed open-concept layout. The unit offers one set of stairs at the entry, with convenient single-level living thereafter and a walkout to the outdoors. Perfect for pet owners, the condo features durable high-end vinyl flooring and a walkout to your private ground-level patio overlooking a wall of trees. Designed for both comfort and style, the home includes in-floor heating, a cozy gas fireplace, glass shower in the ensuite, ample storage, and convenient in-suite laundry. Bright and sun-filled, the spacious layout is ideal for relaxing or entertaining after a day of skiing, golfing, boating, or exploring the outdoors. Enjoy quiet evenings on your patio while barbecuing or unwinding in nature. Owners have access to 300+ feet of sandy beachfront on beautiful Peninsula Lake-part of Huntsville's renowned 4-lake chain-complete with a beach volleyball court and playground. The property is located just down the street from Hidden Valley Highlands Ski Area, where the initiation fee is covered should you choose to become a member. The ski hill also offers extensive hiking and mountain biking trails throughout the spring, summer, and fall. Initiation fees are also covered at the nearby Mark O'Meara golf course, a prestigious ClubLink Platinum-level course. Situated across the road from Deerhurst Resort on a quiet dead-end street, you can easily walk to restaurants, the beach, ski hill, mountain biking and hiking trails, and more.This is a fantastic low-maintenance option for a year-round residence or an alternative cottage retreat. This condo allows short term rentals and unit comes furnished and equipped. An inground pool is also planned for future construction on the property.
Property Type:
Residential Condo & Other
Property Sub Type:
Condo Townhouse
Property Attached:
Yes
Home Style:
2-Storey
Approx. Age:
0-5
Total Approx Floor Area:
1000-1199
Lot Details:
x
Topography:
Rocky, Sloping
Exposure:
West
Bedrooms:
2+0
Bathrooms:
2.0
Kitchens:
1
Kitchens in Basement:
0
Bedrooms Above Grade:
2
Bedrooms Below Grade:
0
Kitchens Above Grade:
1
Rooms Above Grade:
6
Rooms Below Grade:
0
Rooms:
6
Zoning:
RRC
Heating type:
Forced Air
Heating Fuel:
Gas
Fireplaces:
1
Cooling:
No
Storey:
Call LBO
New Construction:
Yes
Roof:
Asphalt Shingle
Balcony:
Open
Basement:
None
Fireplace Features:
Living Room
Fireplace/Stove:
Yes
Alternative Power:
Unknown
Garage:
Surface
Garage Spaces:
0.0
Parking Features:
Mutual
Parking Type:
Common
Parking Spaces:
1
Total Parking Spaces:
1.0
Locker:
None
Rural services:
Cell Services
Family Room:
No
Possession Details:
Flexible
HST Applicable To Sale Price:
Included In
Maintenance Fee:
$489.88
Maintenance fees include:
Building Insurance Included, Common Elements Included, Water Included
Taxes:
$4,544.46 / 2025
Assessment:
$- / -
Muskoka
Huntsville
Chaffey
Golf
None
Year Round Living
Unknown
Yes-with Restrictions
Gas boiler
Fridge, Stove, Dishwasher, Washer, Dryer, Microwave, and Most furnishings (please review documents)
Please review documents
Wood
Visitor Parking
No
300'
Beach Front
WaterfrontCommunity
Hard Bottom, Shallow, Sandy
Not Owned
Trees/Woods
Obstructive
Year Round Municipal Road
Peninsula Lake
Lake
Not Applicable
None
Floor
Type
Size
Other
Main
Other
17'9" × 14'
Main
Kitchen
9'7" × 9'
Main
Primary Bedroom
16'8" × 12'5"
Main
Other
8'4" × 7'10⅞"
Main
Bedroom
13'9" × 11'8"
Floor
Ensuite
Pieces
Other
Main
No
-
9'5" x 5'1"
Special Designation:
Unknown
Air Conditioning:
Central Air
Central Vacuum:
No
Seller Property Info Statement:
No
Laundry Access:
In-Suite Laundry
Condo Corporation Number:
76
Property Management Company:
North Country Property
Date Listed:
Jun 10, 2026
Original Price:
Previous Price:
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Listed by Royal LePage Lakes Of Muskoka Realty
Data was last updated June 13, 2026 at 04:15 AM (UTC)
Area Statistics
Listings on market:
18
Avg list price:
$604,500
Min list price:
$209,900
Max list price:
$999,900
Avg days on market:
43
Min days on market:
3
Max days on market:
705
These statistics are generated based on the current listing's property type and located in Chaffey. Average values are derived using median calculations. This data is not produced by the MLS® system.
DARYL  KING
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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:

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.