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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17 230-232 Lake Dalrymple Road in Kawartha Lakes: Carden Condo for sale : MLS®# X12269123
17 230-232 Lake Dalrymple Road Kawartha Lakes L0K 1W0 
$189,000Residential Condo & Other- Status:
- Active
- MLS® Num:
- X12269123
- Bedrooms:
- 3
- Bathrooms:
- 1
Welcome to Unit 17 at Lake Dalrymple Resort a charming three-season cottage tucked into a quieter, more private pocket of the resort. Set just steps from the lake, this unit offers peaceful views with an east-facing front that catches the morning sun, and a wooded backdrop at the rear for added privacy and a true connection to nature. Inside, you'll love the character of the exposed wood beams in the living area, adding warmth and rustic charm. Whether you're relaxing indoors or out on the deck, this cottage is the perfect place to unwind and recharge. The monthly maintenance fee covers hydro, water, property taxes, and use of all resort amenities-including a sandy beach, sports courts, playground, convenience store, restaurant and boat rentals. More detailsListed by RE/MAX EXPERTS- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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PT LT 21 Cape Chin N Shore Road in Bruce: Northern Bruce Peninsula House for sale : MLS®# X12269287
PT LT 21 Cape Chin N Shore Road Bruce N0H 1W0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12269287
Georgian Bay waterfront vacant lot in Cape Chin North! Property is elevated with a natural slope offering fabulous views of the bay and an ideal spot to build your cottage or home. Property is a waterfront with a road in between. Property measures 150 feet wide and is 150 feet deep. Hydro and telephone are along the roadside. At the waterfront across the road are stairs leading down to the water's edge where you will find a deck to enjoy the views, take a swim in the pristine waters, or launch the kayak for a nice trip along the shore. Property is located on a year round municipal road. Taxes for 2024: $150.80. For more information, feel free to reach out to the Niagara Escarpment at www.escarpment.org or the Municipality at 519-793-3522 with regards to building permit and restrictions. More detailsListed by RE/MAX Grey Bruce Realty Inc.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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7993 Perth Road in Frontenac: 47 - Frontenac South House for sale : MLS®# X12269494
7993 Perth Road Frontenac K0K 2L0
$430,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12269494
- Bedrooms:
- 2
- Bathrooms:
- 1
EXTREMELY MOTIVATED SELLER QUICK CLOSING AVAILABLE! Charming 2-Story Home Near Buck Lake Ideal for First-Time Buyers or Small Families!Welcome to your new home in the heart of cottage country! This cozy and well-maintained 2-bedroom, 2-storey home is perfect for first-time buyers or those looking to downsize into a peaceful, nature-rich setting. Surrounded by lakes including Buck Lake, Loon Lake, and Devil Lake, youll enjoy endless opportunities for boating, fishing, and outdoor recreation just minutes away.Step inside and appreciate the recent upgrades that make this home move-in ready, including new flooring, a new furnace, new tub surround, and energy-efficient air conditioning all designed to enhance your comfort and peace of mind.The spacious private backyard is ideal for children, pets, or simply relaxing in your own green retreat. Need room for your hobbies, tools, or outdoor gear? The detached 18' x 30' garage with power is perfect for parking, storage, or a workshop.Located just a short, scenic drive to Westport and only 20 minutes to Kingston, this property offers the perfect balance of tranquil country living and convenient city access. Dont miss out on this incredible opportunity! Schedule your private showing today and discover how this charming home can be the perfect start to your next chapter. More detailsListed by CENTURY 21-LANTHORN REAL ESTATE LTD., BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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0 Johnson Road in Peterborough: North Kawartha House for sale : MLS®# X12269781
0 Johnson Road Peterborough K0L 1A0
$489,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12269781
Looking For Your Very Own Private And Peaceful 78 Acres On A Small 16 Acre Lake Then Look No Farther This Nature Lover's Paradise Is Located A Short Drive North Of Apsley On A Municipally Maintained Road. The Property Features 2500+ Feet Of Undeveloped Waterfront Shoreline. Enjoy Your Privacy As There Are Only 3 Other Owners On The Entire Lake. Whether You Want To Build Your Dream Home Or Cottage The Property Is Zoned RU. County Has Given Pre-Approval For Two Lot Severances. Several Private Trails Throughout The Property And There Is An Abundance Of Wildlife. Located Near Several Other Lakes Such As Chandos Lake, Jacks Lake, Eels Lake, Anstruther Lake And The Kawartha Highlands Provincial Park. The Town Of Apsley Has Everything You Need From Restaurants, LCBO, Hardware Store, General Store, Drug Store, Doctors Office, Library, Post Office, Arena And Fitness Facility. Property Is Just Under 2 Hours From The GTA. Please Note Lake Name Is Botts Lake. More detailsListed by CENTURY 21 UNITED REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lt 8 C6 Barber Twp Rd 2 Road in Timiskaming: TIM - Outside - Rural House for sale : MLS®# T12270125
Lt 8 C6 Barber Twp Rd 2 Road Timiskaming P0J 1G0
$295,000Residential Freehold- Status:
- Active
- MLS® Num:
- T12270125
- Bedrooms:
- 1
- Bathrooms:
- 1
Perfect 3-Season Hunting Camp or Cottage Getaway Off-Grid Escape Near Temiskaming Shores!Escape to your own private retreat just 30 minutes from Temiskaming Shores, nestled in an unorganized township with year-round road access. This newly renovated off-grid cabin sits on the serene bay of Mountain Lake, offering breathtaking views and outstanding fishing right at your doorstep.Set on a municipally maintained road, the property offers seamless access in all seasons. Outdoor enthusiasts will love being just 1km from the A-Trail, making it ideal for snowmobiling and ATV adventures.Inside, enjoy cozy comforts with a newly installed wood stove and propane on-demand hot water system, ensuring warmth and convenience. The brand-new drilled well provides reliable fresh water, and the charming outhouse adds rustic appeal while you prepare to install a new septic system bringing even more potential to this already amazing spot.Whether you're dreaming of a quiet fishing haven, a hunting base, or a family cottage, this property is the perfect canvas to make your vision a reality. More detailsListed by ROYAL LEPAGE BEST CHOICE REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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392 BADOUR Road in Frontenac: 47 - Frontenac South House for sale : MLS®# X12269945
392 BADOUR Road Frontenac K0H 2B0
$448,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12269945
- Bedrooms:
- 2
- Bathrooms:
- 1
On big beautiful Bobs Lake, welcoming 2003 cottage sheltered by trees, on private 3.8 acre peninsula with 1700 ft waterfront. You can access this cottage by boat only. To cross over the lake from the mainland, you have a pontoon boat, motor and trailer that are all included with the cottage. On the mainland is one acre boat launch that is also included with the cottage property. From your own mainland boat launch, you boat approx 0.7 km to the cottage where you can enjoy peaceful getaway on the lake. Attractive and comfortable, the cottage has cathedral ceiling and white bright spaces with open living, dining and kitchen. Efficient woodstove warms the cottage on the cooler fall evenings; cottage also has electric baseboard heaters. Flooring is pine plank and vinyl. Main floor primary bedroom has walk-in closet and patio door to deck overlooking the lake. Primary bedroom also has cheater door to main floor 3-pc bathroom with shower. Upper loft offers flex space or second bedroom (with room for extra beds). The loft feels airy and spacious due to a set of patio doors on either end, each opening to lounging balcony. Added feature is the cottage faces both east and west for spectacular sunrises and sunsets. Cottage also has metal roof, hydro and water that is lake-intake with heated line and ultraviolet system. Two docks, one on each side of the peninsula; front dock is great for swimming, fishing and boating; back dock more suitable for kayaking Furnishings in the cottage and the two docks, are included. All ready - for your summer vacations and weekend retreats. More detailsListed by COLDWELL BANKER FIRST OTTAWA REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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36 Hillcroft Way in Kawartha Lakes: Bobcaygeon House for sale : MLS®# X12270149
36 Hillcroft Way Kawartha Lakes K0M 1A0
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12270149
- Bedrooms:
- 4
- Bathrooms:
- 3
Welcome to 36 Hillcroft Way* Your Modern Escape in the Heart of Cottage Country *Discover this stunning brand-new 4-bedroom, 3-bathroom home in beautiful Bobcaygeon, just 1.5 hours from Toronto*Set in a tranquil new development and surrounded by nature, this home offers the perfect blend of contemporary living and relaxed, small-town charm *Property Highlights: 1. Spacious open-concept design with 9-foot ceilings, seamlessly connecting the kitchen, dining, and living areas ideal for entertaining or cozy nights in 2. Sun-filled interiors with large windows that bathe the home in natural light 3.Walkout to a private backyard, perfect for outdoor dining or morning coffee 4.Luxurious primary suite featuring a private ensuite and walk-in closet your personal retreat 5.Second line to the waterfront, with scenic views of Sturgeon Lake 5.Extra Upgrade $$$$ from the Builder- Full Unfinished Spacious Basement with potential to add more Living Space *Lifestyle & Location Nestled along the Trent-Severn Waterway, Bobcaygeon is beloved for its natural beauty and vibrant community. Live where others vacation and enjoy: Boating, fishing, swimming, and outdoor adventures year-round*Local boutiques, charming restaurants, and live entertainment all just minutes away*Easy access to essential services, including shopping and medical care- Investment Potential Whether you're looking for a dream home, a weekend escape, or a profitable Airbnb investment, 36 Hillcroft Way is a smart choice. Located in a growing community, the area is undergoing exciting infrastructure upgrades like Enbridge's Main Line Project, adding long-term value. Make every day feel like a getaway. Own a piece of paradise at 36 Hillcroft Way where modern living meets the serenity of lakeside life. More detailsListed by ROYAL LEPAGE SIGNATURE REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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538 1501 Line 8 Road in Niagara: 106 - Queenston House for sale (Niagara-on-the-Lake) : MLS®# X12270486
538 1501 Line 8 Road Niagara L0S 1J0
$128,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12270486
- Bedrooms:
- 3
- Bathrooms:
- 2
Welcome to 538 Grapeview Drive, your dream cottage in the heart of Niagara's wine country. This beautifully finished 3-bedroom, 2-bath vacation home offers 720 sq. ft. of thoughtfully designed living space, including a private ensuite off the spacious primary bedroom and a cathedral-style roofline that enhances both natural light and the sense of space. Set in one of the most sought-after locations within Vine Ridge Resort, this cottage boasts panoramic vineyard views and a premium lot that offers extra privacy while still keeping you just steps from all the resort amenities. Whether you're relaxing on the deck, entertaining family, or enjoying the stunning surroundings, this property delivers the perfect balance of luxury, comfort, and lifestyle. You're only a short walk from the heated outdoor pool, 4000 sq. ft. fun pool, state-of-the-art multi-sport courts, playgrounds, the on-site Welcome Centre and store, seasonal events, and convenient laundry and garbage facilities. This is vacation living at its finest where every day feels like a getaway. More detailsListed by REVEL Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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130 1501 Line 8 Road in Niagara: 106 - Queenston House for sale (Niagara-on-the-Lake) : MLS®# X12270487
130 1501 Line 8 Road Niagara L0S 1J0
$94,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12270487
- Bedrooms:
- 2
- Bathrooms:
- 1
Welcome to Unit 130 Peachview Drive an immaculate 2-bedroom, 1-bath 2016 Chestnut model vacation cottage that offers impressive upgrades and exceptional space you truly have to see to believe. With 640 sq. ft. of beautifully maintained living area, this cottage features a stunning gable-roofed living and dining space highlighted by two large patio doors that flood the interior with natural light. Thoughtful upgrades throughout add a modern, bright, and stylish touch, making this a true standout within Vine Ridge Resort. Enjoy the flexibility of double decks perfect for entertaining or relaxing and a spacious, well-built shed ideal for storing gear or creating your own private retreat. Nestled in a prime location within the resort and surrounded by the picturesque vineyards of Niagara-on-the-Lake, this cottage offers not only comfort but convenience, just moments from the Niagara Parkway. Owners enjoy access to a full suite of amenities, including a 4000 sq ft fun pool, a second heated swimming pool, multi-sport courts for basketball, pickleball, and tennis, kids play areas, beach soccer, horseshoe pits, and on-site laundry and store. Unit 130 is one of the most unique and well-finished cottages available move-in ready and waiting for your summer memories to begin. Financing available $21,400 down/ $239 weekly More detailsListed by REVEL Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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345 1501 Line 8 Road in Niagara: 106 - Queenston House for sale (Niagara-on-the-Lake) : MLS®# X12270490
345 1501 Line 8 Road Niagara L0S 1J0
$109,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12270490
- Bedrooms:
- 3
- Bathrooms:
- 1
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. More detailsListed by REVEL Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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358 1501 Line 8 Road in Niagara: 106 - Queenston House for sale (Niagara-on-the-Lake) : MLS®# X12270492
358 1501 Line 8 Road Niagara L0S 1J0
$62,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12270492
- Bedrooms:
- 2
- Bathrooms:
- 1
Introducing 358 Merlot, an unbeatable opportunity at Vine Ridge Resort. A charming and fully furnished 2-bedroom, 1-bath vacation cottage located just steps from a picturesque vineyard. Set on a fantastic lot, this 432 sq ft retreat offers a massive wraparound rear deck ideal for entertaining or relaxing along with an open-concept living and dining space. Included in the sale are a gazebo, shed, and outdoor dining set, making it truly move-in ready just bring your suitcase. Surrounded by peaceful, quiet scenery while still within walking distance to all the resorts amenities, this cottage is perfect as a summer retreat, weekend getaway, or your first step into vacation cottage ownership. 358 Merlot offers exceptional value and wont be on the market for long. The resort features a 4000 sq ft family-friendly pool, a second heated pool, a pavilion for owner events, a state-of-the-art multi-sport court for basketball, tennis, and pickleball, on-site laundry and store, multiple kids play areas, a beach soccer court, and horseshoe pits ensuring a fun and memorable stay all season long. Financing available $14,900 down/ $159 weekly. More detailsListed by REVEL Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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342 1501 Line 8 Road in Niagara: 106 - Queenston House for sale (Niagara-on-the-Lake) : MLS®# X12270494
342 1501 Line 8 Road Niagara L0S 1J0
$69,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12270494
- Bedrooms:
- 2
- Bathrooms:
- 1
Welcome to 342 Merlot, this beautifully updated 2-bedroom, 1-bath vacation cottage at Vine Ridge Resort has just received a full makeover and is ready for you to enjoy. Situated on the largest lot in the resort, the property now features a brand-new 3-car private driveway, freshly stained decking, rails, shed, and skirting, giving it a polished and inviting look. The spacious side deck with a covered roof is ideal for relaxing or entertaining, while the open-concept living and dining area offers a bright and welcoming interior. Fully furnished and move-in ready, it also includes a shed and an upgraded fire pitjust bring your suitcase. Enjoy peaceful, quiet surroundings with the convenience of being within walking distance to all amenities. Located in scenic Niagara-on-the-Lake, the cottage boasts panoramic views of the surrounding vineyards and access to exceptional resort amenities, including a 4000 sq ft fun pool, a second heated pool, a pavilion for events, courts for pickleball, tennis, and basketball, beach soccer, multiple kids' playgrounds, horseshoe pits, and on-site laundry and store. This rare offering is the perfect retreat for families or couples looking for a turn-key getaway in wine country. Financing available $15,900 down/ $168 weekly. More detailsListed by REVEL Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated July 9, 2025 at 04:15 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.