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. Contact us today to arrange your private water-access tour. More detailsListed by ROYAL LEPAGE PROALLIANCE REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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351 Leavoy Lane in Renfrew: 544 - Horton Twp House for sale (Horton) : MLS®# X12284747
351 Leavoy Lane Renfrew K7V 3Z8
$499,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12284747
- Bedrooms:
- 2
- Bathrooms:
- 1
The River has been calling you and now is the time to answer this sweet two bedroom cottage is the perfect family get away. With the Ottawa River as you view you can not loose. Grab your bathing suit and fishing rod and come get away to your own private oasis. This cottage is perfect for those who want to decompress and leave the city behind. An ideal spot for boating fishing and swimming or just to put your feet up on your oversized deck and fall in love with the breathtaking sunsets. Do not hesitate call and book your appointment to view this little gem today! Property being sold "as is where is" More detailsListed by COLDWELL BANKER SARAZEN REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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191-193 Mallory Beach Road in Bruce: South Bruce Peninsula House for sale : MLS®# X12284802
191-193 Mallory Beach Road Bruce N0H 2T0
$400,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12284802
NEW PRICE! AMAZING VALUE: THREE LOTS AMALGAMATED IN TO ONE. Discover the opportunity of a lifetime with this fantastic, UNIQUE TRIPLE LOT investment spanning over 1.03 acres on the tranquil beach road nestled next to Colpoy's Bay. Single lots in the area recently selling for minimum $165,000. Imagine your custom-built dream home or quaint beach cottage set against the backdrop of the escarpment. Complete privacy with 3 amalgamated lots that back onto the escarpment, plus the convenience of access to Colpoy Bay's water opposite the property entrance. Frontage of 235' on the municipally maintained Mallory Beach Rd. Readily available hydro at the property line and is designated R2 Resort Residential zoning.; custom-build your single-family home, accessory uses and buildings or the potential of short-term rental accommodations! Just a few minutes' drive away is Wiarton with all essential amenities including hospitals. This unique property is strategically located between Malcolm Bluff Shores Nature Reserve and a public dock with ample parking. More detailsListed by RE/MAX By The Bay Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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54 Williams Point Road in Durham: Rural Scugog House for sale (Scugog) : MLS®# E12284909
54 Williams Point Road Durham L0B 1E0
$385,000Residential Freehold- Status:
- Active
- MLS® Num:
- E12284909
Your Lakeside Dream Starts Here: 40 Foot Waterfront Lot on Shores of Lake Scugog with Trent-Severn Access. This is the rare waterfront building lot you've been waiting for! Offering direct access to Lake Scugog, this property features an excellent hard shallow sand bottom, making it perfect for swimming, fishing, and all your favourite water activities. Enjoy spectacular sunsets and embrace the vibrant lake lifestyle year-round, from summer boating to winter ice fishing. Plus, with access to the Trent-Severn Waterway, your boating adventures can extend across Ontario's magnificent interconnected lakes and rivers! Zoned for a single-family or seasonal dwelling, this lot is ready for your own vision. It comes with a dug well on site (Status Unknown), plus hydro and natural gas at the road. Thinking of building? Build a custom home or cottage on the lot with the Buyer doing their own due diligence. Survey is available. Located just east of Port Perry, you'll benefit from the peace of country living while being just 15 minutes from downtown amenities of Port Perry and around an hours drive to Toronto an ideal commute for city professionals seeking a tranquil escape. Don't miss this fantastic opportunity just in time for boating season! More detailsListed by ROYAL LEPAGE FRANK REAL ESTATE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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81 Bayshore Drive in Simcoe: Brechin House for sale (Ramara) : MLS®# S12285123
81 Bayshore Drive Simcoe L0K 1B0
$450,000Residential Freehold- Status:
- Active
- MLS® Num:
- S12285123
An incredible opportunity to build your dream home or cottage in this sought-after Bayshore Village Community. This premium vacant lot offers stunning views, breathtaking sunsets, and a peaceful lakeside setting. Enjoy exclusive access to year-round amenities including a clubhouse, private golf course, swimming pool, tennis courts, and 3 marinas. Just a short drive to Orillia and all local conveniences. An exceptional opportunity to create your own piece of paradise! Fully-serviced lot with snow removal, high-speed internet, satellite TV, underground hydro & phone, municipal water & sewer, and weekly garbage/green bin pickup. Only 10 mins to Brechin, 15 mins to Orillia & Casino Rama. More detailsListed by CENTURY 21 PERCY FULTON LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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625 Bentley Lake Road: Cochrane House for sale : MLS®# T12285098
625 Bentley Lake Road Cochrane P0L 1C0
$249,900Residential Freehold- Status:
- Active
- MLS® Num:
- T12285098
- Bedrooms:
- 1
- Bathrooms:
- 1
Escape to a serene 1.82-acre waterfront retreat on Lake Louise in Northern Ontario. This well-kept seasonal cottage offers the perfect mix of privacy, natural beauty, and comfort. Located just 25 minutes from Cochrane, the property is accessible via a concession road that leads to a non-maintained roadway (approx. 1km) ensuring a quiet, off-the-grid lifestyle. This off-grid 36x16 cottage comes fully equipped with a remote generator system, solar-powered water pump, wood stove, propane heating, flushing toilet, AC, hot water on demand, propane fridge, stove and furniture making this rustic property both functional and cozy. There is plenty of room for the family or friends to join you with separate camper hookups. Enjoy fishing, boating and swimming right off your private dock. With easy access to the OFSC snowmobile trail system, many lakes and the Abitibi River, you'll enjoy the northern Ontario outdoors at its best. This property is ideal for outdoor enthusiasts, and anyone looking for a weekend retreat or seasonal getaway. It comes turn-key (excluding the owners personal property), so you can start enjoying your new retreat right away. More detailsListed by REVEL REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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261 Browns Road in Renfrew: 572 - Brudenell/Lyndoch/Raglan House for sale (Brudenell, Lyndoch and Raglan) : MLS®# X12285001
261 Browns Road Renfrew K0L 1G0
$139,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12285001
- Bedrooms:
- 2
Need an escape from the every-day? Time to make this little cabin getaway your very own and start enjoying tranquility of the outdoors or exploring all that Hastings and Bancroft has to offer. This 2 bedroom, 3 season cottage with a screened-in covered porch has had many touch ups that includes a metal roof, insulation added to the walls as well as a wood stove for those fall nights. Outdoor privy is clean and you don't have to rough it too much as the cabin has hot running water drawn from a drilled well and electricity throughout (100 amp). Large storage shed would also make a nice bunkie if you didn't need the storage. Close to lakes, trails as well as thousands of acres of crown land. More detailsListed by CENTURY 21 GRANITE REALTY GROUP INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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5372 Young Street in Northumberland: Rural Hamilton House for sale (Hamilton Township) : MLS®# X12285044
5372 Young Street Northumberland K0K 2H0
$374,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12285044
- Bedrooms:
- 2
- Bathrooms:
- 1
Unlock the potential of this charming home in the heart of cottage country! This cozy 2-bedroom home is waiting for your personal touch. Tucked away in a serene setting, it offers the perfect opportunity to create your dream retreat just the way you envision it. Whether you're looking for a peaceful getaway or a year-round haven, this property has the bones to become something truly special. Inside, you'll find a classic layout with plenty of space to relax and unwind. The layout is simple and functional, with two well-sized bedrooms and a spacious living area ready for a fresh update. Whether you're dreaming of a cozy cottage retreat or a stylish rural escape, this place is full of possibilities. More detailsListed by RE/MAX IMPACT REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 3 Peel Street in Bruce: Saugeen Shores House for sale : MLS®# X12285078
Lot 3 Peel Street Bruce N0H 2L0
$235,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12285078
Welcome to Lot 3 Peel Street, Southampton, Ontario. Discover the charm of Southampton with this exceptional vacant lot nestled in one of the town's most sought-after locations. Situated in an established residential neighborhood, this R1-zoned property is just a short walk to downtown shops and dining, the beautiful beach, the scenic rail trail, and some of the area's finest golf courses in Saugeen Golf Club. This fully serviced lot features a private backyard setting and sits on a mature surrounding, perfect for building your dream home or a year-round retreat. Whether you're looking to settle down, invest, or build a cottage getaway, this lot offers outstanding potential in a prime Southampton location. Don't miss out on this rare opportunity to become part of a vibrant and welcoming community on the shores of Lake Huron. More detailsListed by Century 21 In-Studio Realty Inc.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1035 Dark Lake Road in Haliburton: House for sale (Highlands East) : MLS®# X12285079
1035 Dark Lake Road Haliburton K0L 3C0
$275,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12285079
This 1.77-acre waterfront lot on Dark Lake offers natural beauty, privacy, and convenience, just minutes from Wilberforce. With nearly 200 feet of south-facing shoreline, enjoy all-day sun, crystal-clear water, and a hard-packed sand bottom ideal for swimming. As summer progresses, a sandy beach naturally emerges, perfect for kids and evening bonfires. Part of a scenic two-lake chain with Grace Lake, the property offers excellent boating and fishing. The ideal building site is privately tucked across the road from the lake, with an owned shore road allowance providing added value and peace of mind. The level lot includes a partially cleared site ready for your build, with hydro at the end of the road. Towering white pines frame the shoreline, while mature trees throughout create a private, serene setting. A new cell tower ensures strong reception, and access is easy via a quiet, year-round municipal road. Less than 2 minutes to town for essentials, this rare lakefront gem is the perfect spot to create your cottage country retreat. More detailsListed by RE/MAX Professionals North Baumgartner Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 28 Robinson Road in Simcoe: Wasaga Beach House for sale : MLS®# S12285352
Lot 28 Robinson Road Simcoe L9Z 3A4
$274,900Residential Freehold- Status:
- Active
- MLS® Num:
- S12285352
Opportunity knocks with this beautifully cleared and filled 50' x 150' lot, ideally located in the heart of Wasaga Beach and just a short walk to the sparkling shores of Georgian Bay. Whether you're dreaming of a year round custom home or a cozy cottage retreat, this property offers the perfect canvas to bring your vision to life. Enjoy the convenience of municipal water, natural gas, and hydro available at the lot line. The ground work has already been done, the lot has been cleared and prepped with fill, saving you time and effort in the building process. Best of all, if desired, the current owner is a Tarion registered builder and can work with you to design and construct your dream home or getaway, tailored to your exact needs and style. More detailsListed by Century 21 Millennium Inc.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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60 Parkwood Drive in Simcoe: Wasaga Beach House for sale : MLS®# S12285366
60 Parkwood Drive Simcoe L9Z 2T2
$399,999Residential Freehold- Status:
- Active
- MLS® Num:
- S12285366
- Bedrooms:
- 2
- Bathrooms:
- 1
Welcome to 60 Parkwood Drive, Wasaga Beach. This 2 bedroom, 1 bathroom, detached home can be your year round residence or summer cottage. Ideal for first time home Buyers or for those looking to downsize. Great value! No condo or land lease fees! This freehold property is well insulated and comes equipped with a Gas Fireplace - which emits sufficient heat to keep the home warm. Spacious living area with walk-out to the patio/deck. The interior is well maintained. Both bedrooms can fit a queen bed in each. 3 piece bathroom with log accent wall. Modern light fixtures. 120V electrical panel. Windows and doors are in good condition. Set on a corner lot with plenty of space for your children or pets to roam. Fenced yard. Two storage sheds and ample driveway space for parking your vehicles/toys. Metal roof. A quick drive or bike ride to Wasaga Beach Area #5. Wasaga Beach is buzzing with development, particularly in its beachfront area and downtown core. Easy access to Collingwood and Blue Mountain for year round amenities. Easy, breezy living in Wasaga Beach. More detailsListed by Royal LePage Locations North- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated July 16, 2025 at 06:15 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:
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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.