300 Albin Road in Tay: Rural Tay House for sale : MLS®# S13703364
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.
Nestled less than a minute's walk from the southern shores of Georgian Bay, this quaint bungalow offers the perfect blend of cottage charm and year-round comfort. Enjoy spectacular sunsets, gentle bay breezes, and the soothing sound of waves along the shoreline. The nearby Tay Trail stretches across the property frontage, offering easy access to walking, hiking, cycling, rollerblading, and running. A scenic 20-minute stroll leads to Pine Street beachfront park, the Waubaushene Pier, and a children's playground. A covered front porch and spacious front deck welcome you into this cozy home, capturing the relaxed atmosphere of Georgian Bay living. The front yard features a fire pit area, additional deck space, and room for another shed if desired. Inside, the open-concept living and dining area is filled with natural light from a wall of windows with glimpses toward Georgian Bay, while mature trees along the Tay Trail provide added privacy. The kitchen offers thoughtful efficiency with a coffee bar area, space-saving dishwasher, and direct backyard access. Outside, enjoy a raised wood box/garden planter & storage shed. The primary bedroom overlooks the backyard and features easy-care laminate flooring. The second bedroom includes built-in shelving and a glass-panel door, ideal for guests, a home office, or creative space. The updated three-piece bathroom features a curved glass shower and heated towel bar. Stacked & Efficient laundry and utility storage are conveniently tucked into the foyer. Recent updates for year-round living include a heated water line and heated wrapped septic line. An efficient heat pump provides heating and air conditioning, while the woodstove adds warmth and character on cooler evenings. Conveniently located near Highway 400, golf courses, and Mount St. Louis Moonstone, this property places you in the heart of four-season recreation, including swimming, boating, fishing, snowmobiling, and winter ice activities on beautiful Georgian Bay.
Property Type:
Residential Freehold
Property Sub Type:
Detached
Home Style:
Bungalow
Total Approx Floor Area:
700-1100
Lot Depth:
120'36.6 m
Lot Frontage:
50'15.2 m
Topography:
Flat
Direction Faces:
West
Bedrooms:
2
Bathrooms:
1.0
Water supply:
Well
Kitchens:
1
Bedrooms Above Grade:
2
Kitchens Above Grade:
1
Rooms Above Grade:
5
Heating type:
Heat Pump
Heating Fuel:
Electric
Foundation:
Concrete Block, Piers
Roof:
Shingles
Basement:
None
Fireplace Features:
Wood Stove
Fireplace/Stove:
Yes
Garage:
None
Garage Spaces:
0.0
Other Structures:
Garden Shed
Parking Features:
Private Double
Parking Spaces:
4
Total Parking Spaces:
4.0
Family Room:
No
Pool:
None
Link:
No
HST Applicable To Sale Price:
Included In
Taxes:
$1,761 /
2025
Assessment:
$- /
-
Simcoe
Tay
Rural Tay
Beach, Lake Access, Marina, Skiing, Golf, Public Transit
Carpet Free, Primary Bedroom - Main Floor, Water Heater Owned, Water Treatment
Data was last updated August 24, 2026 at 05:15 PM (UTC)
Area Statistics
Listings on market:
40
Avg list price:
$799,900
Min list price:
$169,900
Max list price:
$2,599,900
Avg days on market:
61
Min days on market:
2
Max days on market:
686
These statistics are generated based on the current listing's property type
and located in
Rural Tay. Average values are
derived using median calculations. This data is not produced by
the MLS® system.
• 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.
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.