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.
549 Stokes Bay Road
Bruce
N0H 1W0
$419,000
Residential Freehold
beds: 3
baths: 1.0
- Status:
- Active
- Prop. Type:
- Residential Freehold
- MLS® Num:
- X12265741
- Bedrooms:
- 3
- Bathrooms:
- 1
- Photos (35)
- Schedule / Email
- Send listing
- Mortgage calculator
- Print listing
Schedule a viewing:
- Under Contract:
- Propane Tank
- Property Type:
- Residential Freehold
- Property Sub Type:
- Detached
- Home Style:
- 1 1/2 Storey
- Approx. Age:
- 51-99
- Total Approx Floor Area:
- 700-1100
- Depth:
- 165'
- Frontage:
- 66'
- Topography:
- Sloping, Partially Cleared, Wooded/Treed
- Direction Faces:
- South
- Bedrooms:
- 3
- Bathrooms:
- 1.0
- Water supply:
- Well
- Kitchens:
- 1
- Bedrooms Above Grade:
- 3
- Kitchens Above Grade:
- 1
- Rooms Above Grade:
- 7
- Zoning:
- R1
- Heating type:
- Other
- Heating Fuel:
- Propane
- Foundation:
- Concrete Block
- Roof:
- Metal
- Basement:
- None
- Fireplace/Stove:
- No
- Alternative Power:
- None
- Garage:
- None
- Garage Spaces:
- 2.0
- Other Structures:
- Storage, Shed
- Parking Spaces:
- 4
- Total Parking Spaces:
- 6.0
- Rural services:
- Garbage Pickup, Electricity Connected, Cell Services, Recycling Pickup, Telephone Available, Internet Other
- Family Room:
- No
- Possession Details:
- 30 Days TBA
- Pool:
- None
- Link:
- No
- HST Applicable To Sale Price:
- Included In
- Assessment:
- $94,000
- Assessment Year:
- 2024
- Taxes:
- $1,090 / 2025
- Assessment:
- $94,000.00 / 2024
- Northern Bruce Peninsula
- Northern Bruce Peninsula
- Bruce
- Campground, Part Cleared, Place Of Worship, Rec./Commun.Centre, River/Stream, School Bus Route
- Primary Bedroom - Main Floor, Water Heater Owned, Water Softener
- Year Round Living, Patio
- Carbon Monoxide Detectors, Smoke Detector
- Municipal
- Propane tank
- Carbon Monoxide Detector, Dryer, Furniture, Hot Water Tank Owned, Microwave, Refrigerator, Smoke Detector, Stove, Washer, Window Coverings.
- Personal items
- None
- Vinyl Siding
- None
- Clear, Trees/Woods
- Year Round Municipal Road
- Floor
- Type
- Size
- Other
- Main
- Mud Room
- 10'10" × 7'4"
- Main
- Kitchen
- 24' × 9'
- Combined w/Dining
- Main
- Living Room
- 17'4" × 11'8"
- Main
- Bedroom
- 12'2" × 10'
- Second
- Bedroom 2
- 13' × 12'
- Second
- Bedroom 3
- 13' × 12'4"
- Floor
- Ensuite
- Pieces
- Other
- Main
- No
- 4
- 12'8" x 7' 4 Pc Bath, Combined w/Laundry
- Utilities Cable:
- No
- Utilities Telephone:
- Available
- Utilities Gas:
- No
- Utilities Hydro:
- Yes
- Utilities Water:
- No
- Water Supply Types:
- Drilled Well
- Sewers:
- No
- Special Designation:
- Unknown
- Sewers:
- Septic
- Air Conditioning:
- None
- Central Vacuum:
- No
- Seller Property Info Statement:
- No
- Laundry Level:
- Main Level
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- Listings on market:
- 168
- Avg list price:
- $699,900
- Min list price:
- $199,000
- Max list price:
- $5,200,000
- Avg days on market:
- 73
- Min days on market:
- 0
- Max days on market:
- 618
- 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
- Aurora Homes For Sale
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- Toronto Homes For Sale
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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.