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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11 Fire Route 33

Belmont-Methuen Peterborough K0L 1Z0

$450,000

Residential Freehold beds: 2 baths: 1.0

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• Details
• Photos
• Map

Status:

Active

Prop. Type:

Residential Freehold

MLS® Num:

X12320897

Bedrooms:

2

Bathrooms:

1

• Photos (12)

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**Escape to the cottage at Belmont Lake!** Nestled on just under an acre of serene landscape, this charming 3-season cottage getaway is the perfect retreat for outdoor enthusiasts and nature lovers alike. With its modern comforts and rustic charm, this property offers a unique blend of relaxation and adventure. As you step inside, you'll be greeted by a comfortable living area with a cozy wood fireplace, inviting you to unwind after a day of exploration. The large working kitchen is perfect for entertaining friends and family, whether you're whipping up a gourmet meal or enjoying casual snacks after a day on the water. This cottage features two comfortable bedrooms that provide restful sanctuaries for rejuvenation. For guests or extra storage needs, the property boasts a delightful Bunkie a charming space that adds versatility to your stay. Step outside onto the expansive front and rear decks where you can soak in views of your private backyard oasis. With easy access to the marina and boat launch just moments away, bring your water toys, canoes, kayaks, or even store your larger boat at the local marina! For fishing enthusiasts, this location is nothing short of paradise! Cast your line into Belmont Lake where Northern Pike, Largemouth Bass, and Smallmouth Bass await eager anglers within part of the renowned Trent-Severn Waterway. With a double car garage one side transformed into an inviting rec room and the other serving as ample storage you'll have all the space you need for gear and recreational activities. This is an ideal escape from the hustle and bustle of city life. Don't miss out on this incredible opportunity to own your slice of tranquility! Whether you seek adventure or simply wish to bask in nature's beauty while enjoying peaceful evenings by the firepit, this cottage is calling your name.

General Info:

Property Type:

Residential Freehold

Property Sub Type:

Detached

Home Style:

Bungalow

Total Approx Floor Area:

< 700

Depth:

150'45.7 m

Frontage:

100'30.5 m

Topography:

Dry, Flat, Open Space

Direction Faces:

South

Bedrooms:

2+0

Bathrooms:

1.0

Water supply:

Well

Kitchens:

1

Kitchens in Basement:

0

Bedrooms Above Grade:

2

Bedrooms Below Grade:

0

Kitchens Above Grade:

1

Rooms Above Grade:

5

Rooms Below Grade:

0

Zoning:

SR

Additional Info:

Heating type:

Other

Heating Fuel:

Propane

Fireplaces:

1

Foundation:

Concrete, Slab

Roof:

Asphalt Shingle

Basement:

None

Fireplace Features:

Wood

Fireplace/Stove:

Yes

Garage:

Detached

Garage Spaces:

2.0

Other Structures:

Other

Parking Features:

Private Double

Parking Spaces:

4

Total Parking Spaces:

6.0

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

Taxes:

$1,616.22 / 2025

Assessment:

$- / -

Listing Area:

Havelock-Belmont-Methuen

Listing Sub-Area:

Belmont-Methuen

County Or Parish:

Peterborough

Property Features / Area Influences:

Beach, Fenced Yard, Lake Access, Level, Wooded/Treed

Interior Features:

Primary Bedroom - Main Floor

Exterior Features:

Deck, Fishing, Privacy, Recreational Area

Security Features:

None

Rental Items:

hot water tank

Inclusions:

Existing fridge and stove to be replaced with another set.

Exclusions:

personal belongings

Exterior Finish:

Log, Wood

View:

Trees/Woods

Water View:

Obstructive

Access to property:

Municipal Road, Year Round Municipal Road

Channel Name:

Trent-Severn Waterway

Water Body Name:

Belmont Lake

Water Body Type:

Lake

Room Information:

Floor

Type

Size

Other

Main

Living Room

14'½"4.28 m × 11'7¾"3.55 m

Main

Kitchen

10'10"3.30 m × 10'8"3.25 m

Main

Other

10'8"3.25 m × 8'6"2.59 m

Eat-in Kitchen

Main

Primary Bedroom

9'8½"2.96 m × 7'5"2.26 m

Main

Bedroom 2

9'8½"2.96 m × 6'11½"2.12 m

Other Details:

Utilities Cable:

No

Utilities Telephone:

Available

Utilities Gas:

No

Utilities Hydro:

Yes

Utilities Water:

No

Water Supply Types:

Drilled Well

Sewers:

No

Special Designation:

Unknown

Sewers:

Septic

Air Conditioning:

None

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Aug 01, 2025

Original Price:

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Previous Price:

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Listed by RE/MAX WEST REALTY INC.

Data was last updated August 2, 2025 at 12:15 PM (UTC)

Area Statistics

Listings on market:

32

Avg list price:

$654,450

Min list price:

$229,888

Max list price:

$1,185,000

Avg days on market:

54

Min days on market:

1

Max days on market:

494

These statistics are generated based on the current listing's property type and located in Belmont-Methuen. 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.