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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345 1501 Line 8 Road

106 - Queenston Niagara L0S 1J0

$109,900

Residential Freehold beds: 3 baths: 1.0

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• Details
• Photos
• Map

Status:

Active

Prop. Type:

Residential Freehold

MLS® Num:

X12270490

Bedrooms:

3

Bathrooms:

1

• Photos (23)

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Welcome to Unit 345 Merlot, an exceptional, turnkey vacation cottage that redefines family living at Vine Ridge Resort in Niagara-on-the-Lake. This fully furnished 700 sq. ft. retreat has been thoughtfully upgraded from top to bottom, offering the ideal family getaway or a fantastic short-term rental opportunity. Featuring two spacious bunk rooms and a generous primary bedroom with a queen bed, this cottage is designed with comfort and function in mind. Inside, you'll find an upgraded fireplace, two premium sofas, high-end built-in storage, a beautifully enhanced kitchen with an upgraded stove and fridge, and ceiling fans in every room for year-round comfort. The interior is freshly decorated with modern finishes, creating a warm, inviting atmosphere.Step outside to enjoy extended front and rear decks perfect for outdoor living, including an expansive covered rear deck that doubles as a fully enclosed outdoor cinema complete with a projector and screen. Priced at only $109,900 + HST and fully furnished inside and out, this cottage is move-in ready and waiting for your next adventure. Located minutes from Niagara's wineries, golf courses, and the charming town centre, Vine Ridge Resort offers a wealth of amenities including an outdoor heated pool, a massive 1-acre fun pool, multi-sport courts, playgrounds, a convenience store, weekly family events, on-site laundry, garbage collection, and secure gated access. Whether you're searching for your family's dream retreat or a smart investment in wine country, Unit 345 Merlot delivers it all. Financing available $24,900 down/ $276 weekly.

General Info:

Property Type:

Residential Freehold

Property Sub Type:

MobileTrailer

Home Style:

Other

Approx. Age:

6-15

Total Approx Floor Area:

700-1100

Direction Faces:

East

Bedrooms:

3

Bathrooms:

1.0

Water supply:

Municipal

Kitchens:

1

Bedrooms Above Grade:

3

Kitchens Above Grade:

1

Rooms Above Grade:

6

Additional Info:

Heating type:

Forced Air

Heating Fuel:

Gas

Fireplaces:

1

Foundation:

Other

Roof:

Asphalt Shingle

Basement:

None

Fireplace Features:

Electric

Fireplace/Stove:

No

Garage:

None

Garage Spaces:

0.0

Parking Features:

Front Yard Parking

Parking Spaces:

2

Total Parking Spaces:

2.0

Family Room:

No

Possession Details:

Flexible

Pool:

None

Financial Info:

HST Applicable To Sale Price:

In Addition To

Taxes:

$0 / 2025

Assessment:

$- / -

Listing Area:

Niagara-on-the-Lake

Listing Sub-Area:

106 - Queenston

County Or Parish:

Niagara

Property Features / Area Influences:

Golf, Greenbelt/Conservation, Lake Access, Marina

Interior Features:

Other

Rental Items:

None

Exterior Finish:

Vinyl Siding

Other Details:

Special Designation:

Landlease

Sewers:

Septic

Air Conditioning:

Central Air

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Jul 08, 2025

Original Price:

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Previous Price:

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Listed by REVEL Realty Inc., Brokerage

Data was last updated July 9, 2025 at 01:15 PM (UTC)

Area Statistics

Listings on market:

10

Avg list price:

$123,450

Min list price:

$109,900

Max list price:

$169,900

Avg days on market:

51

Min days on market:

1

Max days on market:

272

These statistics are generated based on the current listing's property type and located in 106 - Queenston. Average values are derived using median calculations.

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.

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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.