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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1020 Vinegar Hill Lane

Monmouth Haliburton K0L 3C0

$450,000

Residential Freehold beds: 2 baths: 1.0

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• Details
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Status:

Active

Prop. Type:

Residential Freehold

MLS® Num:

X12289129

Bedrooms:

2

Bathrooms:

1

• Photos (24)

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Discover the perfect starter cottage for families along the picturesque shores of Esson Lake, where the simple joys of cottage life await your personal touch. This beloved family retreat exudes the warmth of past memories and the promise of new adventures. Featuring 2 bedrooms and 1 bathroom, its the ideal canvas to create your own cozy escape from the everyday hustle and bustle. The cottage boasts 100 feet of natural shoreline, providing ample space for swimming, fishing, and soaking up the sun. For outdoor enthusiasts, the nearby Esson Lake boat launch offers easy access to endless hours of boating, kayaking, paddleboarding, and more. Just a short 5-minute drive away, the Village of Wilberforce provides all the essentials groceries, gas, and restaurants. Begin crafting your family's cherished memories at this cozy Esson Lake cottage, where rustic charm and natural beauty come together to offer the perfect setting for family adventures.

General Info:

Property Type:

Residential Freehold

Property Sub Type:

Detached

Home Style:

Bungalow

Total Approx Floor Area:

700-1100

Depth:

136'7"41.6 m

Frontage:

100'30.5 m

Direction Faces:

East

Bedrooms:

2

Bathrooms:

1.0

Water supply:

Other

Kitchens:

1

Bedrooms Above Grade:

2

Kitchens Above Grade:

1

Rooms Above Grade:

7

Zoning:

LSR

Additional Info:

Heating type:

Forced Air

Heating Fuel:

Oil

Foundation:

Concrete Block

Roof:

Asphalt Shingle

Basement:

Crawl Space, Unfinished

Fireplace/Stove:

No

Alternative Power:

None

Garage:

None

Garage Spaces:

0.0

Parking Features:

Private

Parking Spaces:

4

Total Parking Spaces:

4.0

Rural services:

Cell Services, Electricity Connected, Internet High Speed

Family Room:

No

Possession Details:

Immediate

Pool:

None

Link:

No

Financial Info:

HST Applicable To Sale Price:

Included In

Assessment:

$240,000

Assessment Year:

2025

Taxes:

$2,437.2 / 2025

Assessment:

$240,000.00 / 2025

Listing Area:

Highlands East

Listing Sub-Area:

Monmouth

County Or Parish:

Haliburton

Interior Features:

None

Exterior Features:

Deck

Easement/ Restrictions:

Unknown

Inclusions:

As viewed

Exterior Finish:

Vinyl Siding

Water Frontage:

100'30.48 m

Waterfront Features:

Beach Front

Waterfront:

Direct

Shoreline:

Rocky

Shoreline Allowance:

Not Owned

View:

Lake

Water View:

Direct

Access to property:

Year Round Private Road

Water Body Name:

Esson Lake

Water Body Type:

Lake

Waterfront Accessory Buildings:

Not Applicable

Docking Type:

Private

Room Information:

Floor

Type

Size

Other

Main

Foyer

10'4"3.15 m × 5'4"1.63 m

Main

Living Room

19'4"5.89 m × 13'8"4.17 m

Main

Other

19'7"5.97 m × 12'3.66 m

Main

Sitting

20'4⅞"6.22 m × 9'6"2.90 m

Main

Bedroom

11'6"3.51 m × 10'3.05 m

Main

Bedroom

11'6"3.51 m × 10'3.05 m

Other Details:

Water Supply Types:

Lake/River

Special Designation:

Unknown

Sewers:

Septic

Air Conditioning:

None

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Jul 16, 2025

Original Price:

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Previous Price:

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Listed by RE/MAX Professionals North

Data was last updated July 17, 2025 at 12:15 PM (UTC)

Area Statistics

Listings on market:

21

Avg list price:

$599,900

Min list price:

$285,000

Max list price:

$1,350,000

Avg days on market:

41

Min days on market:

1

Max days on market:

236

These statistics are generated based on the current listing's property type and located in Monmouth. Average values are derived using median calculations. This data is not produced by the MLS® system.

Get market change alerts

• DARYL KING
• RE/MAX HALLMARK REALTY LIMITED
• 1 (905) 9075464
• homes@darylking.com

This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website. The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.

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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.