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.
4061 Firelane 13
Niagara
L0S 1R0
$475,000
Residential Freehold
beds: 3
baths: 1.0
- Status:
- Active
- Prop. Type:
- Residential Freehold
- MLS® Num:
- X12289205
- Bedrooms:
- 3
- Bathrooms:
- 1
- Photos (31)
- Schedule / Email
- Send listing
- Mortgage calculator
- Print listing
Schedule a viewing:
- Under Contract:
- Hot Water Heater
- Property Type:
- Residential Freehold
- Property Sub Type:
- Detached
- Home Style:
- Bungalow
- Approx. Age:
- 31-50
- Total Approx Floor Area:
- 1100-1500
- Depth:
- 150'
- Frontage:
- 100'
- Direction Faces:
- South
- Bedrooms:
- 3
- Bathrooms:
- 1.0
- Water supply:
- Other
- Kitchens:
- 1
- Bedrooms Above Grade:
- 3
- Kitchens Above Grade:
- 1
- Rooms Above Grade:
- 9
- Heating type:
- Forced Air
- Heating Fuel:
- Gas
- Foundation:
- Block
- Roof:
- Asphalt Shingle
- Basement:
- Crawl Space
- Fireplace Features:
- Living Room, Natural Gas
- Fireplace/Stove:
- Yes
- Garage:
- Detached
- Garage Spaces:
- 1.0
- Parking Features:
- Private, Private Triple
- Parking Spaces:
- 10
- Total Parking Spaces:
- 11.0
- Family Room:
- No
- Possession Details:
- Flexible
- Pool:
- None
- Link:
- No
- HST Applicable To Sale Price:
- Included In
- Assessment:
- $196,000
- Assessment Year:
- 2025
- Taxes:
- $4,244 / 2025
- Assessment:
- $196,000.00 / 2025
- Port Colborne
- 874 - Sherkston
- Niagara
- Auto Garage Door Remote, Primary Bedroom - Main Floor, Storage, Upgraded Insulation
- Canopy, Landscaped, Porch, Year Round Living
- Carbon Monoxide Detector, Dishwasher, Dryer, Garage Door Opener, Hot Tub, Hot Tub Equipment, Microwave, Refrigerator, Smoke Detector, Stove, Washer, Window Coverings - Negotiable
- Vinyl Siding
- No
- No
- Floor
- Type
- Size
- Other
- Main
- Living Room
- 17' × 11'8"
- Gas Fireplace, Large Window
- Main
- Dining Room
- 9'7" × 9'3"
- W/O To Deck, Open Concept, Sliding Doors
- Main
- Kitchen
- 19'5" × 10'5"
- Centre Island, Open Concept
- Main
- Primary Bedroom
- 11' × 11'
- Hot Tub, Sliding Doors, W/O To Deck
- Main
- Bedroom
- 11'3" × 11'2"
- Main
- Bedroom 2
- 11'2" × 9'5"
- Main
- Sunroom
- 23' × 7'5"
- Window
- Main
- Utility Room
- 20' × 9'4"
- Combined w/Workshop, Combined w/Laundry
- Floor
- Ensuite
- Pieces
- Other
- Main
- No
- 4
- 8'2" x 8'2" 4 Pc Bath
- Utilities Telephone:
- Available
- Utilities Gas:
- Yes
- Utilities Hydro:
- Yes
- Utilities Water:
- No
- Sewers:
- No
- Energy Certification:
- No
- Green Property Information Statement:
- No
- Special Designation:
- Unknown
- Sewers:
- Holding Tank
- Air Conditioning:
- Central Air
- Central Vacuum:
- No
- Seller Property Info Statement:
- No
- Laundry Level:
- Main Level
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- Listings on market:
- 28
- Avg list price:
- $799,900
- Min list price:
- $305,000
- Max list price:
- $2,999,000
- Avg days on market:
- 46
- Min days on market:
- 1
- Max days on market:
- 604
- 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:
- Condos for Sale in Toronto Under $350K
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- Houses for Sale near Caledonia and Eglinton West
- Condos for Sale in Toronto Under $400K
- Aurora Homes For Sale
- Bradford Homes For Sale
- King City Homes For Sale
- Markham Homes For Sale
- Newmarket Homes For Sale
- Richmond Hill Homes For Sale
- Thornhill Homes For Sale
- Toronto Homes For Sale
- Brampton Homes For Sale
- Uxbridge Homes For Sale
- Vaughan Homes For Sale
- Stouffville Homes For Sale
- Mississauga Homes For Sale
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.