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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2217 124 Highway

Hagerman Whitestone P0A 1G0

$89,000

Residential Freehold beds: 0 baths: 0.0

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• Details
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Status:

Active

Prop. Type:

Residential Freehold

MLS® Num:

X12479895

• Photos (22)

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This property enjoys 116 feet of natural waterfront on the sought-after Whitestone Lake. This property features breathtaking sunrises and expansive views. Conveniently located off Highway 124, you're just a short stroll from community amenities, restaurant and recreational facilities, marina, boat launch and beach. Nearby public school and nursing station enhance community living. And only 30 minutes to the Town of Parry Sound. Enjoy year-round activities including snowmobiling, cross-country skiing, ATVing, swimming, fishing, boating and exploring. Whitestone Lake is a full-service lake, complete with marina and boat launches to cater to all your boating needs. There is a cottage building on the property that is not inhabitable - a portion has collapsed and renders the building unusable. This property is being sold in 'as is, where is' condition.

General Info:

Property Type:

Residential Freehold

Property Sub Type:

Detached

Home Style:

Bungalow

Total Approx Floor Area:

< 700

Lot Depth:

89'1½"27.2 m

Lot Frontage:

116'35.4 m

Lot Shape:

Irregular

Direction Faces:

South

Bedrooms:

0

Bathrooms:

0.0

Water supply:

Other

Kitchens:

0

Bedrooms Above Grade:

0

Kitchens Above Grade:

0

Rooms Above Grade:

0

Zoning:

WF

Additional Info:

Heating type:

Other

Heating Fuel:

Other

Foundation:

Piers

Roof:

Shingles

Basement:

None

Fireplace/Stove:

No

Alternative Power:

None

Garage:

None

Garage Spaces:

0.0

Parking Features:

Private

Parking Spaces:

1

Total Parking Spaces:

1.0

Family Room:

No

Possession Details:

Flexible

Pool:

None

Link:

No

Financial Info:

HST Applicable To Sale Price:

Not Subject to HST

Taxes:

$1,169.79 / 2025

Assessment:

$- / -

County:

Parry Sound

Listing Area:

Whitestone

Listing Sub-Area:

Hagerman

Property Features / Area Influences:

Waterfront, Rec./Commun.Centre, Clear View, Lake Access, Marina, Beach

Interior Features:

None

Easement/ Restrictions:

Easement

Inclusions:

Everything on property included as viewed.

Exterior Finish:

Wood

Water Frontage:

116'35.36 m

Waterfront Features:

Other

Waterfront:

Direct

Shoreline:

Clean, Natural, Mixed

Shoreline Allowance:

None

Shoreline Exposure:

South East

View:

Lake, Bridge, Trees/Woods, Water

Water View:

Direct

Access to property:

Highway, Year Round Municipal Road

Water Body Name:

Whitestone Lake

Water Body Type:

Lake

Waterfront Accessory Buildings:

Not Applicable

Docking Type:

None

Other Details:

Utilities Telephone:

Available

Utilities Gas:

Yes

Utilities Hydro:

Yes

Water Supply Types:

Lake/River

Special Designation:

Unknown

Sewers:

Other

Air Conditioning:

None

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Oct 24, 2025

Original Price:

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Previous Price:

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Listed by RE/MAX Parry Sound Muskoka Realty Ltd

Data was last updated October 25, 2025 at 12:15 PM (UTC)

Area Statistics

Listings on market:

17

Avg list price:

$779,000

Min list price:

$349,000

Max list price:

$1,749,000

Avg days on market:

108

Min days on market:

5

Max days on market:

499

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

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.