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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6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville) : MLS®# X12252651
6 & 8 Brennan Circle Muskoka P1L 2J2 
$424,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252651
- Bedrooms:
- 4
- Bathrooms:
- 1
What if you could have the Muskoka lifestyle - without the waterfront price tag? This might be the opportunity you've been waiting for. Here youhave all the perks - without the premium. Located in the exclusive Norvern Shores community on Lake Vernon, this package includes a cozy 2-bedroom cottage, plus a lofted bunkie (providing 2 more sleeping spaces), and an adjacent 1-acre vacant lot - giving you room to grow, play, and enjoy the lifestyle Muskoka is known for. The 3-season cottage is full of charm, featuring a semi open-concept layout with the warmth of a wood stove, a sprawling front deck for lounging and BBQs, and beautifully landscaped grounds. A circular driveway provides ample parking for family and guests. As a private member of Norvern Shores community, you'll have access to enjoy 400+ acres of forest and over 5,000 feet of pristine shoreline on Lake Vernon- part of Huntsville's four-lake chain with 40+ miles of boating. Enjoy the sandy beach, canoe/kayak racks, boat slip, if desired , boat launch, pavilion, campsites, playgrounds, volleyball court, and scenic lakeview lookout. Norvern Shores is a family-focused, peaceful community. Short-term rentals and Airbnbs are not permitted, so you and your guests can always count on tranquility. Guests are welcome to visit and share in the lifestyle, making this the perfect setting for memorable weekends and long, lazy summers. Walk, cycle, or hop in a golf cart to enjoy the private amenities. Membership includes a one-time $10,000 initiation fee and an annual $1,275 per lot to help maintain the roads and community for everyones continued enjoyment. There's no HST or land transfer tax on closing. Property taxes only apply to lots with structures -currently just $705 per year. All that's left to do is relax! Waterfront perks, minus the waterfront price. This might be the smartest way to have it all! (Cottage lot was surveyed in 2021 - added bonus! Boat slips are currently $250/season and based on availability.) More detailsListed by Peryle Keye Real Estate Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1036 Lakeshore Road in Frontenac: 45 - Frontenac Centre House for sale : MLS®# X12252656
1036 Lakeshore Road Frontenac K0H 1B0
$269,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252656
- Bedrooms:
- 2
- Bathrooms:
- 1
Affordable 3-Season Cottage Retreat at 1036 Lakeshore Rd, Arden, ON, A Perfect Getaway! Nestled on a quiet dead-end road with year-round access, this charming 2-bedroom, 1-bathroom 3-season cottage offers the ideal opportunity to escape to nature without breaking the bank. This cottage is perfect for weekend getaways or a peaceful seasonal retreat. Step inside to find a cozy open-concept kitchen and living area. The cottage comes fully furnished, including a fridge, stove, and microwave, so all you need to do is pack your bags. Enjoy the warmth of the propane stove, perfect for chilly evenings. The cottage has seen several recent upgrades, including a replacement of the shingles (2020), well pump (2022), hot water tank (2018) and the water pressure tank was replaced in 2024, ensuring comfort and functionality for years to come. The property also includes a large 9 x 24 detached workshop or small garage, along with two additional smaller sheds for all your storage needs. Enjoy the convenience of public access to swimming just 200 meters from the cottage, ideal for those warm summer days. In addition, a public beach is just a 10-minute walk away on Henderson, perfect for a relaxing day by the water. For outdoor enthusiasts, ATV trails and snowmobile trails are nearby, offering adventure all year long. The public boat launch on Kennebec Lake is also just a short drive away, offering easy access to the water for boating, fishing, and more. Located only three hours from Toronto or 90 minutes from Ottawa, this property offers year-round road access, making it the perfect retreat for those looking to unwind or explore the surrounding nature, including excellent fishing and outdoor adventures. More detailsListed by EXP REALTY, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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229 1082 Shamrock Marina Road in Muskoka: Morrison House for sale (Gravenhurst) : MLS®# X12252697
229 1082 Shamrock Marina Road Muskoka P0E 1N0
$159,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252697
- Bedrooms:
- 3
- Bathrooms:
- 2
This like-new 2017 Northlander Willow resort cottage is the perfect escape to Muskoka's natural beauty. Nestled on an ultra-private site with a stunning rockface backdrop, this spacious 3-bedroom, 2-bathroom cottage offers plenty of room for family and friends. Step inside to a fully furnished interior, designed for comfort and relaxation. Outside, enjoy a beautiful wooden deck with sleek black aluminum railings, perfect for morning coffee or evening unwinding. Gather around the outdoor firepit with chairs, creating lasting memories under the stars. As an owner, you'll enjoy 26 weeks of resort access and full use of top-tier amenities, including a beach, pool, fishing, hiking trails, a playground, and family-friendly organized activities.*For Additional Property Details Click The Brochure Icon Below* More detailsListed by ICI SOURCE REAL ASSET SERVICES INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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112 Cow Island in Peterborough: Otonabee-South Monaghan House for sale : MLS®# X12252768
112 Cow Island Peterborough K0L 1B0
$175,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12252768
Rare opportunity to own a waterfront building lot on desirable Cow Island, Rice Lake (Boat Access Only). With 100 ft of frontage, watch the sun rise from this scenic property having million-dollar high lake views. Build your dream cottage on this large lot (just under 3/4 acre) that is partially cleared and ready to build. Hydro and phone available at the lot line. Park (dedicated and free) at the nearby Marina landing (docking available) and your summer paradise is just 5 minutes away with easy access to Toronto and Peterborough. Possession is flexible. Bring your family and make lasting memories. Miles of boating on the Trent Severn waterway. Unlimited small towns, cities and restaurants to explore by boat. Great fishing, swimming, trails and golf nearby. In the winter, snowmobile to and from your property on Ganaraska Snowmobile Trail E108. As the view takes your breath away, imagine the tranquility and adventures you will share with your family and friends. More detailsListed by BALL REAL ESTATE INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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3138 Sturgeon Lake Road in Nipissing: Papineau Cameron House for sale (Papineau-Cameron) : MLS®# X12252799
3138 Sturgeon Lake Road Nipissing P0H 1V0
$329,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252799
- Bedrooms:
- 4
- Bathrooms:
- 1
If you're looking for peace, privacy, and a true escape from the everyday, welcome to 3138 Sturgeon Lake Road. Tucked away in the quiet township of Papineau-Cameron, this rustic, off-grid cottage sits on the beautiful shores of Papineau Lake, a hidden gem known for its clean water, natural beauty. and plentiful trout. This is not your average waterfront property. There's no septic, no well, and hydro is minimal. Water is drawn directly from the lake (with gravity fed running water to kitchen sink!), and life here runs a little slower, a little quieter, and a lot more connected to nature. The cottage is all on one level and offers room for the whole family, with four bedrooms, a large open kitchen and dining area, and a spacious living room for rainy day board games. Step out from the kitchen/dining area into the screened-in porch and enjoy morning coffee or evening breezes without the bugs. A two-year-old dock leads you to the water. An indoor shower adds a bit of comfort to the off-grid lifestyle, and this property also includes furnishings so you can settle in with ease. Enjoy your single detached garage/workshop perfect for tinkering/storage and separate garden/marine shed for additional covered storage. If you've been dreaming of a back-to-basics retreat; a place where the stars are bright, the loons call across the lake, and your days are ruled by sunrises and campfires-- this could be your perfect fit. A one million dollar view for a small price tag-- don't let this opportunity slip away. More detailsListed by Century 21 Blue Sky Region Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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10385 RABBIT LAKE in Nipissing: Temagami House for sale : MLS®# X12252933
10385 RABBIT LAKE Nipissing P0H 2H0
$449,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12252933
- Bedrooms:
- 3
- Bathrooms:
- 1
Nestled in the picturesque wilderness of Temagami, Ontario, this enchanting three-bedroom cottage offers a tranquil retreat on the pristine shores of Rabbit Lake. Accessible only by boat, this secluded haven provides an idyllic off-grid living experience, perfect for those seeking peace and privacy in nature. The cottage boasts three well-appointed bedrooms. Natural wood finishes and large windows create a warm and inviting atmosphere. The open-concept living area is designed for relaxation and togetherness. A wood-burning stove and propane fireplace provide warmth and ambiance, while large windows and sliding doors let in ample natural light and offer stunning lake views. The kitchen is well equipped with modern and includes a propane stove and refrigerator, ensuring you have all the comforts of home while living sustainably. The expansive deck is perfect for outdoor dining, lounging, and soaking in the serene beauty of Rabbit Lake. The cottage is equipped with a robust solar power system, providing reliable electricity for all your needs. Backup generators ensure uninterrupted power supply. This three-bedroom off-grid cottage on Rabbit Lake is a rare gem, offering a perfect blend of rustic charm and modern amenities. With its serene location, sustainable living features, and various outbuildings including a heated outhouse and a shower house, it is an ideal retreat for nature lovers and those seeking a peaceful escape from the everyday world. Whether you are looking for a seasonal getaway or a year-round residence, this property promises a unique and fulfilling lifestyle in the beautiful wilderness of Temagami, Ontario. More detailsListed by Century 21 Blue Sky Region Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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96 657 THUNDER BRIDGE Road in Kawartha Lakes: Ops House for sale : MLS®# X12253055
96 657 THUNDER BRIDGE Road Kawartha Lakes K9V 4R1
$87,500Residential Freehold- Status:
- Active
- MLS® Num:
- X12253055
- Bedrooms:
- 3
- Bathrooms:
- 1
Located in the beautiful, seasonal lifestyle community of Cedar Valley Cottage Resort on the Scugog River! This Northlander Explorer (2020) features 3 bedrooms (sleeps up to 8) and 1 full bath with ALL furnishings included. Just bring your suitcase and groceries to enjoy maintenance free summer living! Onsite amenities include secure access, boat launch, beach, salt water pool, sports court, clubhouse, onsite laundry, playground and more! Land lease fee for 2025 is $4832.00 + HST (already been paid for the season) and includes land lease, water, grounds maintenance and taxes. Hydro and propane are the responsibility of the cottage owner. Hydro deposit is $200/season. Internet and satellite hookups already installed. Short term rentals permitted only through the rental partnership program where the resort does the booking and advertising. Park open May 1st to Oct 31st. More detailsListed by AFFINITY GROUP PINNACLE REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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0 Loon Lake Road in Haliburton: Dudley House for sale (Dysart et al) : MLS®# X12253061
0 Loon Lake Road Haliburton K0M 1S0
$160,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12253061
Build your dream home or cottage on this beautiful 3-acre parcel just minutes from public access to Loon Lake! This well-treed lot offers exceptional privacy and a peaceful setting, with hydro available at the lot line, septic approval already granted, and year-round access via a municipal road. Enjoy seasonal views of Loon Lake from select areas on the property, plus quick access to hundreds of acres of Crown land for endless outdoor adventure. Located less than 15 minutes from Haliburton, this is the perfect spot for your custom home or cottage getaway. Dont miss this excellent opportunity to own a prime building lot in the heart of the Highlands! 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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Lot 51 4838 Pioneer Trail in Wellington: Rural Puslinch West House for sale (Puslinch) : MLS®# X12253148
Lot 51 4838 Pioneer Trail Wellington N0B 2J0
$200,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12253148
- Bedrooms:
- 2
- Bathrooms:
- 2
Waterfront Paradise! Your beautiful, serene Cottage/Summer home is located just outside of Guelph on the banks of the Speed River. Live, work or cottage in complete comfort with this modern 7 year old, one level bungalow that features an open concept design! With over 1400 sf, this 2 bedroom, 2 full bath, modular home is located in the seasonal (April - Oct) RiverBend Park. The large deck overlooking the river and green space is perfect for relaxing or entertaining. Watch the stunning sunsets as blue herring and other wildlife roam the riverbanks. Inside you will find a Gas Fireplace, custom kitchen and full dining room. There's a dishwasher, storage area, central air plus it's fully winterized. This exceptional modular home also features a double wide driveway. It's all waiting for you just outside of Guelph's City limits inside a sought after ALL AGES seasonal community. Enjoy the SWIMMING POOL, activities in the community centre... perhaps a BBQ or a little Bingo? Why not Canoe or Kayak down the river? Nearby options include Golf, a stress free night out, perhaps dinner and a movie, all 5-10 min away. You own the home but lease the land. Your land lease is currently $5537.00 for the 2025 season with access from April to October. Many Snowbirds find these are wonderful summer homes; others have discovered the perfect cottage or home office. Enjoy this home for the next 10 years with an option of keeping the spot and replacing the modular home with a new one. Furniture can be included in the sale if wanted. More detailsListed by Keller Williams Home Group Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1536 Papineau Lake Road in Hastings: Wicklow Ward House for sale (Hastings Highlands) : MLS®# X12253285
1536 Papineau Lake Road Hastings K0L 2R0
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12253285
- Bedrooms:
- 3
- Bathrooms:
- 1
First time on the Market: Seasonal cottage on prestigious Papineau Lake with sand beach, fantastic view across the lake, shoreline allowance owned, sloped lot with dry boathouse, deck off the front to sit and enjoy the peaceful afternoon and a beautiful child friendly sand beach to cool off in. Come have a look, this is a great starter cottage on a fantastic lake. 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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0 Fern Glen Road in Parry Sound: Sprucedale House for sale (McMurrich/Monteith) : MLS®# X12253405
0 Fern Glen Road Parry Sound P0A 1J0
$134,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12253405
Situated on a year-round township road just 20 minutes north of Huntsville, this 5-acre parcel offers a peaceful blend of pine and mixed forest with a roughed-in driveway and a great building site already in place. Located in the heart of cottage country, you'll find countless lakes and outdoor adventures to explore all around you. With hydro at the lot line and easy access to Highway 11 and nearby town amenities, this property combines convenience with the quiet of rural living. The municipality offers a very favourable trailer program, making it an excellent option for a weekend escape, seasonal camping spot, or future build. More detailsListed by RE/MAX CROWN REALTY (1989) INC- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 1 Wendigo Lake in Timiskaming: Central Timiskaming House for sale (Englehart) : MLS®# T12253614
Lot 1 Wendigo Lake Timiskaming P0J 1H0
$235,000Residential Freehold- Status:
- Active
- MLS® Num:
- T12253614
- Bedrooms:
- 3
- Bathrooms:
- 1
Peaceful dream escape on Wendigo Lake! Water and ATV trail access. Open concept living kitchen, dining area, and living room has 3 bedrooms, a lakeside primary bedroom with stunning sunrise views. Also includes a mudroom and workshop which are necessities with a cottage. Hydro, modern plumbing, hot water on demand, full bathroom including tub and shower, and non-electric Sun-Mar composting toilet system. Fresh upgrades include new decking, walkways, outhouse with handwashing station, and updated bunkie for quests. All furnishings and appliances included along with an aluminum boat and motor and kayaks. Stunning views, great for swimming and fishing all in a peaceful setting. Leased dock and parking from the MNR no need to worry about securing access, just park and go! More detailsListed by HUFF REALTY LTD- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Data was last updated July 1, 2025 at 02:15 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.
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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.