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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16 1082 Shamrock Marina Road
Morrison Gravenhurst P0E 1N0

$174,999
Residential Freehold beds: 2 baths: 1.0

Main Photo: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
Photo 1: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
Photo 2: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
Photo 3: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
Photo 4: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
Photo 5: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
Photo 6: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
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Photo 23: 16 1082 Shamrock Marina Road in Gravenhurst: Morrison House for sale : MLS®# X13451682
Status:
Active
Prop. Type:
Residential Freehold
MLS® Num:
X13451682
Bedrooms:
2
Bathrooms:
1
Wake up to the water. This beautifully maintained seasonal waterfront cottage sits directly on a quiet, protected canal in one of Severn's most sought-after marina communities - your own dock just steps from the door, with deep-water boat access to open lake and the Trent-Severn Waterway beyond. Inside, the open-concept living, dining, and kitchen flows under a soaring vaulted ceiling that makes the space feel bright and far larger than its footprint. Rich hardwood floors run throughout, and the chef's kitchen is genuinely impressive - full-size stainless gas range, built-in microwave, generous counter space, and a marble-topped island with seating that anchors the room. A cozy electric fireplace with a stone surround and a built-in entertainment wall makes the living area a perfect spot to unwind after a day on the water. The home offers comfortable sleeping for the whole family, including a private primary bedroom with a custom built-in headboard and overhead storage, plus a bunk room - ideal for kids or guests. A clean, full bathroom with tub/shower completes the interior. Step outside and the real magic begins. A spacious covered deck overlooks the water, with a built-in fire-table lounge and an outdoor dining area positioned to catch the sunset over the marina. Whether you're hosting, grilling, or just watching the boats come and go, this is cottage country living at its easiest. A wrap-around deck, gas BBQ hookup, private dock, and a handy storage shed round out the package. Heres what makes this one effortless: it comes with its own electric golf cart for zipping around the community, and the seasonal fees are paid for the year covering hydro, water, sewage, yard upkeep, and water/grounds maintenance. With an April 1st to October 31st season, you get seven full months of waterfront living with no surprise bills and no weekend chores. Just lock up, head to the dock, and enjoy. Bring your boat, your family, and your flip-flops. Everything else is already here.
Property Type:
Residential Freehold
Property Sub Type:
Modular Home
Home Style:
Chalet
Approx. Age:
6-15
Total Approx Floor Area:
< 700
Lot Depth:
0'
Lot Frontage:
0'
Direction Faces:
North
Bedrooms:
2
Bathrooms:
1.0
Water supply:
Well
Kitchens:
1
Bedrooms Above Grade:
2
Kitchens Above Grade:
1
Rooms Above Grade:
5
Heating type:
Heat Pump
Heating Fuel:
Propane
Fireplaces:
1
Foundation:
Unknown
Roof:
Asphalt Shingle
Basement:
None
Fireplace Features:
Living Room
Fireplace/Stove:
Yes
Alternative Power:
None
Garage:
None
Garage Spaces:
0.0
Other Structures:
Shed
Parking Spaces:
2
Total Parking Spaces:
2.0
Family Room:
Yes
Pool:
Community
HST Applicable To Sale Price:
Not Subject to HST
Assessment Year:
2025
Development Charges Paid:
Yes
Taxes:
$72,320 / 2026
Assessment:
$- / 2025
Muskoka
Gravenhurst
Morrison
Electric Car Charger, Waterfront, Lake/Pond, Lake Access
Guest Accommodations, Primary Bedroom - Main Floor, Propane Tank
Alarm System, Security System, Concierge/Security, Monitored
Unknown
Fully Furnished
Vinyl Siding
No
98'5"
Dock
Direct
Mixed
Partially Owned
Marina, Water
Direct
Marina Docking, Private Road, Seasonal Private Road
Trent Severn River
River
Single Slip
Private
Utilities Cable:
Available
Utilities Telephone:
Yes
Utilities Hydro:
Yes
Utilities Water:
No
Water Supply Types:
Comm Well
Sewers:
Yes
Special Designation:
Landlease
Sewers:
Other
Air Conditioning:
Central Air
Central Vacuum:
No
Seller Property Info Statement:
Yes
Physically Handicapped-Equipped:
No
Date Listed:
Jun 16, 2026
Original Price:
Previous Price:
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Listed by REAL BROKER ONTARIO LTD.
Data was last updated June 17, 2026 at 12:15 PM (UTC)
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.