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.
39 CIRCLE Drive
Kawartha Lakes
K9V 4R1
$315,000
Residential Freehold
beds: 3
baths: 1.0
- Status:
- Active
- Prop. Type:
- Residential Freehold
- MLS® Num:
- X12954534
- Bedrooms:
- 3
- Bathrooms:
- 1
- Photos (18)
- Schedule / Email
- Send listing
- Mortgage calculator
- Print listing
Schedule a viewing:
- Under Contract:
- Propane Tank
- Property Type:
- Residential Freehold
- Property Sub Type:
- Modular Home
- Home Style:
- Bungalow
- Approx. Age:
- 16-30
- Total Approx Floor Area:
- 700-1100
- Lot Depth:
- 0'
- Lot Frontage:
- 0'
- Lot Shape:
- Rectangular
- Direction Faces:
- North
- Bedrooms:
- 3
- Bathrooms:
- 1.0
- Water supply:
- Municipal
- Kitchens:
- 1
- Bedrooms Above Grade:
- 3
- Kitchens Above Grade:
- 1
- Rooms Above Grade:
- 8
- Heating type:
- Forced Air
- Heating Fuel:
- Propane
- Fireplaces:
- 1
- Foundation:
- Perimeter Wall, Piers
- Roof:
- Asphalt Shingle
- Basement:
- Crawl Space, Separate Entrance
- Fireplace Features:
- Living Room
- Fireplace/Stove:
- Yes
- Garage:
- Attached
- Garage Spaces:
- 1.0
- Other Structures:
- Garden Shed
- Parking Features:
- Inside Entry, Private
- Parking Spaces:
- 2
- Total Parking Spaces:
- 3.0
- Rural services:
- Cell Services, Garbage Pickup, Recycling Pickup
- Family Room:
- No
- Possession Details:
- FLEXIBLE
- Pool:
- Community
- HST Applicable To Sale Price:
- Not Subject to HST
- Taxes:
- $0 / 2026
- Assessment:
- $- / -
- Kawartha Lakes
- Kawartha Lakes
- Fenelon
- Cul de Sac/Dead End, Rec./Commun.Centre, Golf, Hospital
- Carpet Free, Primary Bedroom - Main Floor, Water Heater Owned
- Patio, Porch, Year Round Living
- Smoke Detector, Carbon Monoxide Detectors
- Subdivision Covenants
- PP Tank
- Fridge, stove, dishwasher, washer, dryer, hot water heater. Window treatments, shed, A/C-as-is where is no representations or warranties given. Sellers have not lived in the home.
- none
- None
- Vinyl Siding
- None
- Meadow, Garden
- Level Within Dwelling, Multiple Entrances, Open Floor Plan
- Year Round Municipal Road
- Floor
- Type
- Size
- Other
- Main
- Living Room
- 14' × 9'
- Laminate, Fireplace, Ceiling Fan(s)
- Main
- Dining Room
- 11' × 8'
- Laminate, Open Concept, Overlooks Frontyard
- Main
- Kitchen
- 9' × 6'6¾"
- Laminate, Combined w/Laundry, Galley Kitchen
- Main
- Primary Bedroom
- 11' × 11'
- Laminate, Overlooks Backyard, Double Closet
- Main
- Bedroom 2
- 11' × 9'
- Laminate, Large Closet
- Main
- Bedroom 3
- 11' × 9'
- Laminate, Large Closet, Overlooks Backyard
- Floor
- Ensuite
- Pieces
- Other
- Main
- No
- 4
- 8' x 4'11" 4 Pc Bath, Linoleum, Closet
- Utilities Cable:
- Yes
- Utilities Hydro:
- Yes
- Utilities Water:
- Yes
- Water Supply Types:
- Comm Well
- Sewers:
- Yes
- Special Designation:
- Unknown
- Sewers:
- Other
- Air Conditioning:
- Central Air
- Central Vacuum:
- No
- Seller Property Info Statement:
- No
- Laundry Level:
- Main Level
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BEDROOM 1
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BEDROOM 2
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BEDROOM 3
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4 PIECE BATH
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- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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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- Condos for Sale in Toronto Under $400K
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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.