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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173 612 Highway

Seguin Parry Sound P0C 1H0

$499,000

Residential Freehold beds: 2 baths: 0.0

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• Details
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Status:

Active

Prop. Type:

Residential Freehold

MLS® Num:

X12213603

Bedrooms:

2

• Photos (7)

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Waterfront Opportunity on Kaye Lake. 15.86 Acres with 1,050 Feet of Shoreline. Discover the rare chance to create your dream retreat on the tranquil shores of Kaye Lake. Set on an expansive 15.86-acre parcel with over 1,050 feet of private waterfront, this unfinished cottage presents a unique blank canvas ready for your personal vision and design. Enjoy ultimate privacy in this year-round accessible location, ideally situated just minutes from both Parry Sound and Mactier. This property offers endless potential. With fishing right at your doorstep and serene views all around, you'll wake up each day to the sights and sounds of true Northern Ontario beauty. Don't miss this rare opportunity to build and finish your ideal cottage exactly the way you've always imagined.

General Info:

Under Contract:

Propane Tank

Property Type:

Residential Freehold

Property Sub Type:

Detached

Home Style:

Bungalow-Raised

Approx. Age:

31-50

Total Approx Floor Area:

700-1100

Depth:

461'141 m

Frontage:

1600'488 m

Lot Shape:

Irregular

Topography:

Wooded/Treed, Level

Direction Faces:

South

Bedrooms:

2

Bathrooms:

0.0

Water supply:

None

Kitchens:

1

Bedrooms Above Grade:

2

Kitchens Above Grade:

1

Rooms Above Grade:

6

Zoning:

SR1

Additional Info:

Heating type:

Forced Air

Heating Fuel:

Propane

Foundation:

Slab

Roof:

Asphalt Shingle

Basement:

Unfinished, Walk-Out

Fireplace/Stove:

No

Alternative Power:

None

Garage:

None

Garage Spaces:

0.0

Parking Features:

Circular Drive

Parking Spaces:

20

Total Parking Spaces:

20.0

Family Room:

No

Possession Details:

FLEXIBLE

Pool:

None

Link:

No

Financial Info:

HST Applicable To Sale Price:

Included In

Assessment:

$231,000

Assessment Year:

2025

Taxes:

$1,305 / 2024

Assessment:

$231,000.00 / 2025

Listing Area:

Seguin

Listing Sub-Area:

Seguin

County Or Parish:

Parry Sound

Interior Features:

None

Exterior Features:

Deck

Easement/ Restrictions:

Other

Exterior Finish:

Wood

Water Frontage:

1050'320.04 m

Waterfront Features:

Not Applicable

Waterfront:

Direct

Shoreline:

Shallow, Sandy

Shoreline Allowance:

None

Shoreline Exposure:

South East

View:

Lake

Water View:

Direct

Access to property:

Municipal Road

Water Body Name:

Kaye Lake

Water Body Type:

Lake

Waterfront Accessory Buildings:

Not Applicable

Docking Type:

None

Other Details:

Special Designation:

Unknown

Sewers:

Septic

Air Conditioning:

None

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Jun 11, 2025

Original Price:

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Previous Price:

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Listed by Royal LePage Lakes Of Muskoka - Clarke Muskoka Realty

Data was last updated June 13, 2025 at 10:15 PM (UTC)

Area Statistics

Listings on market:

64

Avg list price:

$1,122,000

Min list price:

$248,999

Max list price:

$5,995,000

Avg days on market:

28

Min days on market:

0

Max days on market:

472

These statistics are generated based on the current listing's property type and located in Seguin. Average values are derived using median calculations.

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.