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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2815 Mackie Lake Road in Frontenac: House for sale (North Frontenac) : MLS®# X12287201
2815 Mackie Lake Road Frontenac K0J 2R0 
$169,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12287201
An exceptional opportunity to own a vacant cottage lot, boasting 1.4 acres in size, on the crystal-clear waters of Mackie Lake in Plevna has arrived. With 113.59 feet of private shoreline and a natural beach, this rare parcel offers the perfect setting to build your secluded dream getaway. Mackie Lake is a true gem - a spring-fed trout lake renowned for its clarity and exceptional fishing. Trout fishing is permitted year-round, making it a paradise for anglers. According to Anglers Atlas, the lake spans approximately 1.7 square kilometers, with two connected basins. The north basin reaches a maximum depth of 75 feet, and the lake's average depth is 28 feet. The shoreline stretches over 11 kilometers (7 miles), yet only about 35 to 36 cottages are dotted along its edge. The remainder of the land is pristine Crown land, ensuring peace, privacy, and unspoiled views for generations to come.The property is rich in natural features, with a diverse mix of white birch, oak, ash, pine, spruce, maple trees, and even wild blueberries. Some crucial information for any potential buyer would be that both hydro is available on the lot, AND there is ultra fast mobile data-cell coverage. Whether you're looking to unplug or create the ultimate remote work-from-nature retreat, you won't be completely off-grid as a nearby Bell/Virgin mobile tower provides excellent cell coverage, making it possible to stay connected when needed. Accessible ONLY by water, the property is a short boat ride from one of two nearby public landings. The seller will personally transport interested buyers via a fishing boat for viewings. This is a true nature lovers haven, offering unparalleled tranquility, adventure, and the promise of lasting memories.This one-of-a-kind property must be seen to be truly appreciated. More detailsListed by ROYAL LEPAGE PROALLIANCE REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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7811 Ken Street in Lambton: Plympton Wyoming House for sale (Plympton-Wyoming) : MLS®# X12287429
7811 Ken Street Lambton N0N 1J6
$449,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12287429
- Bedrooms:
- 3
- Bathrooms:
- 1
Were summers at a rental cottage with your family always the best memories? Looking to downsize? Why not enjoy that vacation feeling all year round in your lakeside bungalow! This updated 3-bedroom bungalow with deeded beach rights on stunning Lake Huron offers the perfect combination of comfort, style, and location. Picture yourself soaking up the sun on the sandy beach (residents only) or enjoying a glass of wine while watching the most incredible sunsets. The tranquil setting, amazing neighbours, and easy access to amenities make this a rare gem! Just 5 minutes from the boat launch. Inside, you'll find a bright living room, a large kitchen, and 3 comfortable bedrooms with built-in closets, all in a layout that's perfect for everyday life or weekend escapes. Plus, enjoy outdoor living with decks at the front and back, ideal for relaxing or entertaining. The kitchen and bathroom, flooring, windows and doors, metal roof, central AC, R60 attic insulation, a UV germicide air cleaner and the 10x22 rear deck were all updated between 2020-2022, furnace (2017). Welcome to worry-free, year-round comfort. More detailsListed by STREETCITY REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1023 Colony Trail in Muskoka: House for sale (Bracebridge) : MLS®# X12287499
1023 Colony Trail Muskoka P1L 1X3
$360,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12287499
- Bedrooms:
- 3
- Bathrooms:
- 1
Discover the opportunity and natural beauty of this unique Muskoka River property. Set on nearly 4 acres with an impressive 200 feet of shoreline, this parcel offers an ideal setting for your future vision whether you're dreaming of a weekend getaway or building a custom cottage to enjoy for years to come. The property includes a classic cottage and a waterfront outbuilding that could lend themselves to a variety of uses. While modest, these existing structures provide a starting point for those looking to update or rebuild in a sought-after location. Just 20 minutes from Bracebridge and a convenient 2.5-hour drive from the GTA, the location offers both accessibility and a connection to nature. Enjoy 5.5 km of scenic boating along the Muskoka River, with Slater Falls located 1.5 km downriver and May Chutes 4 km up river an ideal stretch for exploring and soaking in the surroundings. A rare offering with plenty of possibilities, this property is ready for the next chapter. Bring your ideas and make the most of all that this beautiful part of Muskoka has to offer. More detailsListed by Bracebridge Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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29 Avele Road in Bruce: South Bruce Peninsula House for sale : MLS®# X12288017
29 Avele Road Bruce N0H 1X0
$440,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12288017
- Bedrooms:
- 2
- Bathrooms:
- 1
Charming, Updated Retreat Near the Beach! Tucked away in a peaceful and private neighborhood, this beautifully updated 2-bedroom, 1-bath home is the perfect escape from the hustle and bustle of daily life. Whether you're downsizing, retiring, or seeking convenient one-level living, this home or cottage checks all the boxes. Thoughtfully upgraded between 2024-2025, you'll enjoy peace of mind with a new septic system, 200-amp hydro service with new electrical panels, and affordable, efficient heating and cooling via a new top of the line heat pump with A/C. The bright new kitchen features a functional coffee bar, perfect for slow mornings, while the updated bathroom includes stylish new flooring and a convenient walk-in shower. Freshly painted inside and featuring new exterior doors, new privacy fencing, and mature landscaping with perennial gardens, this home offers both comfort and curb appeal. Step outside onto the spacious deck and take in the serene surroundings birds chirping, trees swaying, and nature all around. Just a short stroll to the beach, you'll love having easy access to sand, sun, and relaxation. This turn-key home is ideal for first-time buyers, downsizers, or savvy investors. With modern updates, a great layout, and a picturesque setting, your perfect home or getaway awaits at a price you'll love. Call your realtor today to schedule a private tour! More detailsListed by Sutton-Sound Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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365 Robins Point Road in Simcoe: Victoria Harbour House for sale (Tay) : MLS®# S12288399
365 Robins Point Road Simcoe L0K 2A0
$449,900Residential Freehold- Status:
- Active
- MLS® Num:
- S12288399
- Bedrooms:
- 3
- Bathrooms:
- 1
Top 5 Reasons You'll Love This Home: 1) Incredible location with unobstructed water views and direct access just steps away, perfectly positioned for your future dream build in a peaceful, nature-rich setting 2) Rare double lot offering valuable severance potential, whether you're looking to build one or more dwellings, hold for long-term value, or explore future resale options, the land is where the true opportunity lies 3) Excellent development flexibility with an expansive, private setting and no neighbours behind, ideal for customizing your vision while maintaining peace and privacy 4) Use now, build later, the existing 3-season cottage is being sold as-is and may serve as a short-term or temporary residence while you bring your plans to life 5) Prime accessibility just a short drive to town and with quick highway access, this property offers not only a strong lifestyle appeal but also strategic positioning for growth and future returns. 729 sq.ft. Visit our website for more detailed information. More detailsListed by FARIS TEAM REAL ESTATE BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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19 Evans Drive in Simcoe: Rural Tiny House for sale (Tiny) : MLS®# S12288730
19 Evans Drive Simcoe L0L 2J0 OPEN HOUSE: Jul 19, 202510:30 AM - 12:00 PM EDTOpen House on Saturday, July 19, 2025 10:30AM - 12:00PM
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- S12288730
- Bedrooms:
- 3
- Bathrooms:
- 1
Nestled in one of Tiny Township's most sought-after beachside communities, this updated home blends the charm of a traditional cottage with the comfort and style of a modern retreat. Just a short stroll from the golden sands of Balm Beach, this property invites you to slow down, soak up the sun, and enjoy everything this vibrant area has to offer. Inside, the main floor is open and airy, thoughtfully designed with both style and function in mind. The spacious kitchen features stainless steel appliances, modern cabinetry, a ceramic apron sink, and a natural gas stove, perfect for those who love to cook and entertain. There's ample space for a full dining area and a cozy living room, all tied together with warm, cottage-inspired finishes that strike the perfect balance between country charm and coastal cool. With three bright, generously sized bedrooms, there's room for family and guests to relax in comfort. Outside, the private, tree-lined yard offers plenty of space to play or unwind, with a fully fenced perimeter and a firepit area that sets the scene for unforgettable summer evenings under the stars. Whether you're heading out for beach days, grabbing an ice cream, or catching live music at a local patio, Balm Beach has something for everyone. Walk to restaurants, cafés, and shops, or explore the shoreline and trails that make this area a beloved destination for locals and visitors alike. This is more than a home, it's your ticket to the carefree lifestyle of Balm Beach. More detailsListed by Keller Williams Co-Elevation Realty, Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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893 Bruce Rd 13 Road in Kenora: House for sale (First Nations) : MLS®# X12288962
893 Bruce Rd 13 Road Kenora N0H 2L0
$399,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12288962
- Bedrooms:
- 3
- Bathrooms:
- 3
Visit REALTOR website for additional information. Waterfront Cottage. 893 Bruce County Road 13 Cottage life awaits at this completely renovated cottage located on leased land. Completed in 2024. This three bedroom 2 bath cottage has custom made kitchen cupboards, island and vanities with quartz countertops. Brand new stainless steel appliances. A private lot with lots of space for parking. The king master bedroom with ensuite has a walk out deck facing the lake. 200 amp service along with new septic (2025). Heating options include a wood stove, electric baseboard and two heat pumps offering heat and air conditioning. Fully furnished with bbq and outdoor seating. Cottage has a UV / charcoal filter water system. It is turn key and ready to enjoy, available for immediate possession. Annual lease $9000 a year $1200 for services. Don't miss out on your opportunity to experience lake side living. More detailsListed by PG DIRECT REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1020 Vinegar Hill Lane in Haliburton: Monmouth House for sale (Highlands East) : MLS®# X12289129
1020 Vinegar Hill Lane Haliburton K0L 3C0
$450,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12289129
- Bedrooms:
- 2
- Bathrooms:
- 1
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. More detailsListed by RE/MAX Professionals North- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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900 Brendan's Island in Lanark: 917 - Lanark Highlands (Darling) Twp House for sale (Lanark Highlands) : MLS®# X12289186
900 Brendan's Island Lanark K0A 3L0
$199,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12289186
- Bedrooms:
- 2
- Bathrooms:
- 1
Brendans Island on White Lake - Escape to a serene 2.5 acre island getaway, perfect for those who love peace & quiet, campfires, starry nights, the sounds of nature, fishing, swimming & watersports. This delightful cottage is nestled on a desirable lake an hour west of Ottawa, Ontario and is outfitted with off-grid conveniences, including solar-powered lights and propane appliances like a fridge, stove, and on-demand hot water heater. Enjoy rustic outdoor amenities such as an outdoor shower with pedestal tub and a handy outhouse. Cozy up by the woodstove in the sitting room or cook on the charming cookstove in the kitchen, all while surrounded by a beautiful pine interior that adds to the cottage's charm. There are 2 bedrooms and a bathroom with a chemical toilet. Enjoy deep water for swimming and mooring your boat at the dock plus another great swimming spot with sunny southern exposure. Relax and soak up the sun on the newer front deck or unwind in the gazebo down at the water. Here, your private surroundings are nothing short of spectacular, with a beautiful shoreline and a variety of mature trees including oaks, pines, cedars, and maples plus winter holly bushes. Spring and summer bring a display of trilliums and wildflowers. This cherished cottage of long-time owners, offers a peaceful retreat free from nearby neighbors, ensuring a private oasis where nature lovers can escape and unwind. 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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4061 Firelane 13 in Niagara: 874 - Sherkston House for sale (Port Colborne) : MLS®# X12289205
4061 Firelane 13 Niagara L0S 1R0 OPEN HOUSE: Jul 20, 202502:00 PM - 04:00 PM EDTOpen House on Sunday, July 20, 2025 2:00PM - 4:00PM
$475,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12289205
- Bedrooms:
- 3
- Bathrooms:
- 1
Your search for comfort and convenience ends at 4061 Firelane 13 in Port Colborne. This is a solid 1470 sq ft bungalow, and a cherished YEAR-ROUND HOME for decades. It could also make a wonderful family cottage since it's just a 5-minute walk to Wyldewood Beach (but most people take their golf carts).The home features an open-concept kitchen, living, and dining area. You'll find an indoor electric BBQ on the kitchen island and a corner gas fireplace. Sliding doors open to the main back deck, offering views of a private pond and large green space great for entertaining. The low maintenance beautifully landscaped property is a gardener's dream with plenty of space for outdoor activities. The primary bedroom has a private deck with a built-in hot tub. There are two more good-sized bedrooms, and the bathroom has a jetted tub. A 1.5 detached garage and a large driveway fit up to 10 cars. Don't miss seeing this unique property! More detailsListed by ROYAL LEPAGE NRC REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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14 81 Laguna Parkway in Simcoe: Brechin Condo Townhouse for sale (Ramara) : MLS®# S12289443
14 81 Laguna Parkway Simcoe L0K 1B0 OPEN HOUSE: Jul 19, 202502:00 PM - 04:00 PM EDTOpen House on Saturday, July 19, 2025 2:00PM - 4:00PMOPEN HOUSE: Jul 20, 202502:00 PM - 04:00 PM EDTOpen House on Sunday, July 20, 2025 2:00PM - 4:00PM
$472,900Residential Condo & Other- Status:
- Active
- MLS® Num:
- S12289443
- Bedrooms:
- 2
- Bathrooms:
- 2
Discover this beautifully renovated Rarely offered end-unit 2-bedroom, 2-bath waterfront townhome in the heart of Lagoon City, perfectly situated on the peaceful Gondola Lagoon with private boat mooring and direct access to Lake Simcoe and the Trent-Severn Waterway. This bright and airy home features a vaulted ceiling, and large patio doors that fill the space with natural light. The open-concept living, dining, and kitchen area offers a cozy gas fireplace, gas BBQ hookup, and a walkout to a private waterfront deck with Awning ideal for entertaining or relaxing as you watch the boats drift by. The remodeled main bathroom, fresh paint throughout, and spray-foamed crawlspace for improved energy efficiency add to the home's comfort. The spacious loft-style primary bedroom overlooks the water and mature trees, and features a 4-piece ensuite and an office/reading nook. Enjoy cooking in the modern kitchen with stainless steel appliances, including a wine cooler, and benefit from a dual system air conditioner for both heating and cooling, plus a whole-home water filtration system for added peace of mind. This rarely offered end-unit is part of the sought-after community, which features a professionally landscaped grounds, and direct access to two private sandy beaches.. Lagoon City also boasts a full-service marina, year-round clubhouse, tennis & pickleball courts, miles of walking and biking trails, and easy access to golf courses, leash-free dog park, and Casino Rama just a short drive away. With municipal services, high-speed internet, and only 1.5 hours from the GTA, this is the perfect full-time home, cottage retreat, or work-from-home escape. Start your new waterfront lifestyle today in this exceptional end-unit townhome a true gem in a one-of-a-kind community. More detailsListed by EXP REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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46 Huckleberry 15C Island in Parry Sound: Carling House for sale : MLS®# X12289268
46 Huckleberry 15C Island Parry Sound P0G 1G0
$495,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12289268
- Bedrooms:
- 2
- Bathrooms:
- 1
Off-Grid retreat in the heart of the 30,000 Islands - Boat access only. Just a short boat ride from Parry Sound this 0.87-acre south-facing property strikes a beautiful balance between comfort and nature. With 209 feet of shoreline on Georgian Bay you're tucked into a quiet, protected bay just around the bend from iconic Hole-in-the-Wall. The main cottage is fully furnished and ready to go with 2 bedrooms, a 3-piece bathroom, a spacious kitchen and a bright living room that frames views of the water. A cozy renovated bunkie with a loft offers extra sleeping space while the generous deck overlooking the bay becomes your summer dining room, lounge and stargazing perch all in one. Set among the trees with access to crown land trails on Huckleberry Island you're a paddle or boat ride to cliff jumping, picnic spots, Killbear Lighthouse and Henry's Restaurant in the Parry Sound Harbour. Professionally upgraded where it counts: septic (2021), solar power system (2022), potable water system (2023) and stairs to the bunkie (2024). There's also a 55ft Shoremaster dock, on-demand hot water and solid cell/internet service to keep things simple when needed. Turn-key and available for a quick close - just bring your towel and start making memories. More detailsListed by Royal LePage Team Advantage Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated July 17, 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.
Explore More GTA Homes:
- Condos for Sale in Toronto Under $350K
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- Condos for Sale in Toronto Under $400K
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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.