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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2217 124 Highway in Whitestone: Hagerman House for sale : MLS®# X12479895
2217 124 Highway Whitestone P0A 1G0 
$89,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12479895
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. More detailsListed by RE/MAX Parry Sound Muskoka Realty Ltd- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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138 Moreau Parkway in Tiny: Rural Tiny House for sale : MLS®# S12481376
138 Moreau Parkway Tiny L9M 0H3
$399,000Residential Freehold- Status:
- Active
- MLS® Num:
- S12481376
- Bedrooms:
- 3
- Bathrooms:
- 1
PRIVATE, PEACEFUL LIVING NESTLED IN NATURE & JUST MINUTES FROM GEORGIAN BAY! Welcome to your peaceful retreat in Tiny's beautiful bayside community, just a short stroll from Tiny Beach Cove and Lafontaine Beach Park, where sandy shores and family-friendly playgrounds await along stunning Georgian Bay. Perfectly situated only five minutes from Tiny Cove Marina and less than twenty minutes to Penetanguishene or Midland for shopping, dining, and daily essentials, this home combines natural beauty with everyday convenience. Outdoor enthusiasts will appreciate the close proximity to golf courses, scenic hiking trails, and the breathtaking Awenda Provincial Park, while the home's tranquil setting - surrounded by towering trees and lush forest views - creates an exceptional sense of privacy and relaxation. Inside, the inviting living room centres around a cozy wood stove that sets a warm and welcoming tone, while the bright kitchen and dining area offer a convenient pass-through and a sliding glass walkout to a spacious back deck overlooking the yard, ideal for entertaining or enjoying quiet moments surrounded by nature. Complete with three comfortable bedrooms, a 3-piece bathroom, a detached single garage, and ample driveway parking, this versatile property offers endless possibilities for year-round living or a delightful cottage getaway by the bay. Embrace the charm of Georgian Bay living and create lasting memories in this #HomeToStay, where nature, comfort, and relaxation come together in beautiful harmony. More detailsListed by RE/MAX HALLMARK PEGGY HILL GROUP REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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5372 Young Street in Hamilton Township: Rural Hamilton House for sale : MLS®# X12480014
5372 Young Street Hamilton Township K0K 2H0
$299,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12480014
- 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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74 18 Natures Lane in Prince Edward County: Athol Ward Condo for sale : MLS®# X12480375
74 18 Natures Lane Prince Edward County K0K 1P0
$329,000Residential Condo & Other- Status:
- Active
- MLS® Num:
- X12480375
- Bedrooms:
- 2
- Bathrooms:
- 2
Private Conservation-View Cottage with Spectacular Sunsets! Welcome to 18 Nature's Lane, one of the best locations in the Meadows at East Lake Shores! This charming Northport model bungaloft sits on a peaceful lot backing onto protected conservation lands, where you can watch the birds and enjoy uninterrupted west-facing sunsets from the comfort of your screened-in porch. Offered by the original owner, this cottage has never been used as a rental property and has been lovingly cared for, showing pride of ownership throughout.Inside, you'll find two bedrooms and two full bathrooms, including a three-piece ensuite. The bright, open layout makes the kitchen, dining, and living areas feel spacious and connected. Hardwood floors add warmth and character, an exceptionally rare upgrade at East Lake Shores, found in only a handful of cottages. Freshly painted and move-in ready, this turn-key retreat also features a private yard, two-car owned parking, and a storage shed for all your outdoor gear.Located in East Lake Shores, a seasonal gated waterfront community (open April-October), this cottage sits centrally between the family pool, sports courts, and playground on one side and the waterfront, adult pool, gym, and Owner's Lodge on the other. The resort offers 80 acres of park-like grounds, 1,500 feet of shoreline, scenic walking trails, and complimentary use of canoes, kayaks, and paddleboards.Just 9 km from Sandbanks Provincial Park and minutes to the County's renowned wineries, breweries, shops, and dining, this cottage invites you to slow down and enjoy life by the lake. A great value in today's market, it's ideal for both personal getaway and investment purposes. And with no STA licence required to rent, you can join the on-site corporate program or host on Airbnb/VRBO for extra income.18 Nature's Lane offers a rare blend of privacy, sunsets, and easy-care living-the perfect place to unwind in beautiful Prince Edward County. More detailsListed by ROYAL LEPAGE CONNECT REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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57143.0030 Vacant Land in Laurentian Valley: 531 - Laurentian Valley House for sale : MLS®# X12479434
57143.0030 Vacant Land Laurentian Valley K8A 6W4
$249,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12479434
Vacant Land in the Heart of Renfrew. Prime Opportunity Near Ottawa Discover a rare opportunity to own a beautiful parcel of vacant land in the sought-after Laurentian Valley, just a short drive from Ottawa. Set amidst a peaceful, natural landscape, this expansive lot offers the perfect setting for building your dream home, cottage retreat, or future investment project. Enjoy the privacy and tranquility of rural living with convenient access to major amenities, schools, shopping, and year-round recreation. Surrounded by scenic forest and rolling countryside, this property is ideal for nature lovers, outdoor enthusiasts, and anyone seeking space to grow. Zoned RA. Whether you're planning to build now or hold for future development, this land holds incredible potential. Don't miss out on this unique opportunity to invest in one of Eastern Ontario's most desirable and fast-growing regions. 1 of 4 Parcels totaling approx. 100 acres More detailsListed by REAL ESTATE HOMEWARD- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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LT33/34 Barlow Crescent in Constance Bay - Dunrobin - Kilmaurs - Woodlawn: 9304 - Dunrobin Shores House for sale : MLS®# X12478181
LT33/34 Barlow Crescent Constance Bay - Dunrobin - Kilmaurs - Woodlawn K0A 1T0
$319,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12478181
Cottage life meets city convenience on sought-after Barlow Crescent. Discover a rare opportunity to own an expansive property combining Lots 33 and 34, plus added privacy from the closure of Scott Road. Whether you're looking to upsize, downsize, or simply build your dream home, this location offers breathtaking daily views of the Ottawa River and Gatineau Hills. Just steps away from direct access to the beach and river, this private, forested lot provides ample space for a custom-built home or the potential for severance. The tranquil enclave offers a perfect balance of nature and convenience, with easy access to shopping, dining, recreational activities, top-rated schools, and Kanata's tech sector. Please note: Buyers must conduct their own due diligence regarding development opportunities. The municipal address is not yet assigned. For your safety and privacy, please refrain from walking the property without your realtor. More detailsListed by ROYAL LEPAGE TEAM REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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15 Lovejoy Street in Tay: Victoria Harbour House for sale : MLS®# S12478610
15 Lovejoy Street Tay L0K 2A0
$350,000Residential Freehold- Status:
- Active
- MLS® Num:
- S12478610
- Bedrooms:
- 1
- Bathrooms:
- 1
Cozy Cottage, gorgeous lot, and full of potential. Discover this adorable 4-season cottage tucked away on Lovejoy Street, a friendly cul-de-sac in the heart of Victoria Harbour. Perfect as a weekend retreat or a place to live while you build your dream home, this property offers both charm and opportunity. Enjoy being just moments from Georgian Bay, with Catholic and Public Elementary Schools, Foodland, Post Office, LCBO, Community Centre, Library, Beaches, Marina, waterfront restaurant, Tay Trail, and more, all within this awesome community. The beautiful lot, surrounded by mature trees, provides privacy and space to enjoy the outdoors. Property sold as is, where is, with no representations or warranties. Buyer to conduct their own due diligence. More detailsListed by REAL BROKER ONTARIO LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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57143.0052 Vacant Land in Laurentian Valley: 531 - Laurentian Valley House for sale : MLS®# X12479436
57143.0052 Vacant Land Laurentian Valley K8A 6W4
$199,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12479436
Vacant Land in the Heart of Renfrew. Prime Opportunity Near Ottawa Discover a rare opportunity to own a beautiful parcel of vacant land in the sought-after Whitewater Region, just a short drive from Ottawa. Set amidst a peaceful, natural landscape, this expansive lot offers the perfect setting for building your dream home, cottage retreat, or future investment project. Enjoy the privacy and tranquility of rural living with convenient access to major amenities, schools, shopping, and year-round recreation. Surrounded by scenic forest and rolling countryside, this property is ideal for nature lovers, outdoor enthusiasts, and anyone seeking space to grow. Zoned RA. Whether you're planning to build now or hold for future development, this land holds incredible potential. Don't miss out on this unique opportunity to invest in one of Eastern Ontario's most desirable and fast-growing regions. 1 of 4 Parcels totaling approx. 100 acres More detailsListed by REAL ESTATE HOMEWARD- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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57143.0071 Vacant Land in Whitewater Region: 580 - Whitewater Region House for sale : MLS®# X12479431
57143.0071 Vacant Land Whitewater Region K8A 6W3
$475,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12479431
Vacant Land in the Heart of Renfrew. Prime Opportunity Near Ottawa Discover a rare opportunity to own a beautiful parcel of vacant land in the sought-after Renfrew Valley, just a short drive from Ottawa. Set amidst a peaceful, natural landscape, this expansive lot offers the perfect setting for building your dream home, cottage retreat, or future investment project. Enjoy the privacy and tranquility of rural living with convenient access to major amenities, schools, shopping, and year-round recreation. Surrounded by scenic forest and rolling countryside, this property is ideal for nature lovers, outdoor enthusiasts, and anyone seeking space to grow. Whether you're planning to build now or hold for future development, this land holds incredible potential. Don't miss out on this unique opportunity to invest in one of Eastern Ontario's most desirable and fast-growing regions. 1 of 4 Parcels totaling Approx. 100 acres More detailsListed by REAL ESTATE HOMEWARD- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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400 (Lot 1) Oak Point Road: Parry Sound House for sale : MLS®# X12477555
400 (Lot 1) Oak Point Road Parry Sound P2A 2X4
$379,999Residential Freehold- Status:
- Active
- MLS® Num:
- X12477555
- Bedrooms:
- 3
- Bathrooms:
- 1
PRIME PARRY ISLAND WATERFRONT COTTAGE! IDEAL LEVEL LOT! DESIRABLE SANDY BEACH! Private setting, Lovingly cared for Turnkey Cottage, Large living room with convenient gas fireplace , 3 spacious bedrooms + Family room with airtight wood stove for those chilly nights, (bonus area overlooking water for guests), Updated 3 pc bath, Exceptional Pine Sunroom/dining room insulated & heated perfect for family times & to Watch the sunset skies, Upgraded radiant hot water heating system, Newer NTI boiler, Ideal bunkie for the kids/overflow guests, Family friendly lot ready for fun & games, Includes most furnishings & contents, Enjoy safe, protected swimming, Ideal for all ages, Spectacular boating on Georgian Bay with its 30,000 islands to explore, Great for all water sports, Excellent swimming and fishing, Note: Parry Island is leased land on Parry Island Reserve No. 16, Land lease $3580/year + taxes, This leasehold property is a great opportunity to enjoy your piece of PARADISE on GEORGIAN BAY at an affordable price! More detailsListed by RE/MAX Parry Sound Muskoka Realty Ltd- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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38 Hamilton Island Road in South Glengarry: 723 - South Glengarry (Charlottenburgh) Twp House for sale : MLS®# X12476256
38 Hamilton Island Road South Glengarry K0C 2E0
$399,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12476256
- Bedrooms:
- 2
- Bathrooms:
- 1
Hamilton Island is an easy access from County Road 2 via a bridge. There is a 15 year lease with Indian Affairs that is reviewed every 3 years. The cottage is owned by the seller however the land is leased from Indian Affiars More detailsListed by RE/MAX AFFILIATES MARQUIS LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1049 Hawthorn Lane in Frontenac: 45 - Frontenac Centre House for sale : MLS®# X12476042
1049 Hawthorn Lane Frontenac K0H 2P0
$439,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12476042
- Bedrooms:
- 2
- Bathrooms:
- 1
Escape to the tranquility of lakeside living with this charming two-bedroom log cottage nestled on the peaceful shores of Sharbot Lake. Tucked away at the end of a quiet lane, this inviting retreat offers privacy and relaxation in a natural setting. The recently upgraded cozy interior features rustic charm throughout, complemented by a convenient two-piece bathroom and an outdoor shower. Step outside to enjoy an enclosed seating area ideal for morning coffee or evening sunsets overlooking the water. A private dock invites you to swim, boat, or simply take in the serene views on those perfect summer days. The property also includes a delightful bunkie with a loft, perfect for guests, and a shed for storing your outdoor gear. Whether you're looking for a getaway that is a peaceful place to unwind, this lakeside haven captures the essence of cottage living. More detailsListed by EXIT REALTY ACCELERATION REAL ESTATE, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated October 24, 2025 at 08:15 PM (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.