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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6 & 8 Brennan Circle
Huntsville Muskoka P1L 2J2

$424,900
Residential Freehold beds: 2+2 baths: 1.0

Main Photo: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 1: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 2: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 3: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 4: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 5: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 6: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 7: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 8: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 9: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 10: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 11: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 12: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 13: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 14: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 15: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 16: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 17: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 18: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 19: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 20: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 21: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 22: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 23: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 24: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 25: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 26: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 27: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
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Photo 29: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 30: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 31: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 32: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 33: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 34: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
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Photo 36: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 37: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 38: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 39: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 40: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 41: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Photo 42: 6 & 8 Brennan Circle in Muskoka: House for sale (Huntsville)  : MLS®# X12252651
Status:
Active
Prop. Type:
Residential Freehold
MLS® Num:
X12252651
Bedrooms:
2+2
Bathrooms:
1
What if you could have the Muskoka lifestyle - without the waterfront price tag? This might be the opportunity you've been waiting for. Here youhave all the perks - without the premium. Located in the exclusive Norvern Shores community on Lake Vernon, this package includes a cozy 2-bedroom cottage, plus a lofted bunkie (providing 2 more sleeping spaces), and an adjacent 1-acre vacant lot - giving you room to grow, play, and enjoy the lifestyle Muskoka is known for. The 3-season cottage is full of charm, featuring a semi open-concept layout with the warmth of a wood stove, a sprawling front deck for lounging and BBQs, and beautifully landscaped grounds. A circular driveway provides ample parking for family and guests. As a private member of Norvern Shores community, you'll have access to enjoy 400+ acres of forest and over 5,000 feet of pristine shoreline on Lake Vernon- part of Huntsville's four-lake chain with 40+ miles of boating. Enjoy the sandy beach, canoe/kayak racks, boat slip, if desired , boat launch, pavilion, campsites, playgrounds, volleyball court, and scenic lakeview lookout. Norvern Shores is a family-focused, peaceful community. Short-term rentals and Airbnbs are not permitted, so you and your guests can always count on tranquility. Guests are welcome to visit and share in the lifestyle, making this the perfect setting for memorable weekends and long, lazy summers. Walk, cycle, or hop in a golf cart to enjoy the private amenities. Membership includes a one-time $10,000 initiation fee and an annual $1,275 per lot to help maintain the roads and community for everyones continued enjoyment. There's no HST or land transfer tax on closing. Property taxes only apply to lots with structures -currently just $705 per year. All that's left to do is relax! Waterfront perks, minus the waterfront price. This might be the smartest way to have it all! (Cottage lot was surveyed in 2021 - added bonus! Boat slips are currently $250/season and based on availability.)
Property Type:
Residential Freehold
Property Sub Type:
Detached
Home Style:
Bungalow
Total Approx Floor Area:
700-1100
Depth:
265'10"
Frontage:
400'7"
Lot Shape:
Square
Topography:
Wooded/Treed
Direction Faces:
South
Bedrooms:
2+2
Bathrooms:
1.0
Water supply:
Other
Kitchens:
1
Bedrooms Above Grade:
2
Bedrooms Below Grade:
2
Kitchens Above Grade:
1
Rooms Above Grade:
8
Zoning:
WR2 and SR4-0003
Heating type:
Other
Heating Fuel:
Wood
Fireplaces:
1
Foundation:
Piers
Roof:
Metal
Basement:
None
Fireplace Features:
Wood Stove, Family Room
Fireplace/Stove:
Yes
Alternative Power:
None
Garage:
None
Garage Spaces:
0.0
Parking Features:
Circular Drive
Parking Spaces:
10
Total Parking Spaces:
10.0
Family Room:
Yes
Possession Details:
Flexible
Pool:
None
Link:
No
HST Applicable To Sale Price:
Included In
Taxes:
$704.69 / 2024
Assessment:
$- / -
Huntsville
Muskoka
Lake Access, Wooded/Treed, Waterfront, Beach, Park
Carpet Free, Primary Bedroom - Main Floor, Bar Fridge
Deck, Landscaped, Porch, Privacy
Unknown
Fridge, Bar Fridge, Stove, Microwave, All Window Coverings, All ELFs, Cell Phone Booster, Sirius Satellite Radio Antennae, Wall Mounted Speakers, Black Fan in Kitchen, Beds, Mattresses, Side Tables, Dresser in Back Room, White Cupboard in Utility Room, Deck Box, Lawnmower, Whipper Snipper, Fire-bowl & Cover, 3 Firewood Holders with Covers, Remaining Firewood Outside, All Exterior Planters, Solar System in Bunkie, Loft Queen Mattresses, Sofa Bed, White Bunkie Drawers, Dresser in Bunkie, Muskoka Chair at Bunkie
Sirius Home Dock, Mounted Weather Station and Exterior Sensor, All Deck Furniture at Main Cottage and Both BBQs, Cornhole Boards, All Furniture (Unless Noted in Inclusions), Decor Items, Small Kitchen Appliances, Cutlery, Dishes.
Vinyl Siding
5000'
Beach Front, Boat Slip, Dock, Boat Launch, Waterfront-Deeded
WaterfrontCommunity
Sandy, Clean
None
Forest, Trees/Woods
Obstructive
Fees Apply, Seasonal Private Road, Private Road
Lake Vernon
Lake
Multiple Slips
Private
Floor
Type
Size
Other
Main
Kitchen
10'9" × 7'4"
Main
Living Room
8'7" × 7'5"
Main
Bedroom
7'8" × 7'2"
Main
Dining Room
6'5" × 2'8"
Main
Primary Bedroom
9'9" × 7'2"
Main
Utility Room
7'5" × 3'1"
Ground
Other
9'2" × 9'1"
Second
Loft
9'11" × 8'2"
Floor
Ensuite
Pieces
Other
Main
No
4
7'2" x 3'3" 4 Pc Bath
Water Supply Types:
Lake/River
Special Designation:
Landlease
Sewers:
Septic
Air Conditioning:
None
Central Vacuum:
No
Seller Property Info Statement:
No
Date Listed:
Jun 30, 2025
Original Price:
Previous Price:
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Listed by Peryle Keye Real Estate Brokerage
Data was last updated July 1, 2025 at 04:15 AM (UTC)
Area Statistics
Listings on market:
264
Avg list price:
$849,950
Min list price:
$289,000
Max list price:
$6,750,000
Avg days on market:
47
Min days on market:
1
Max days on market:
698
These statistics are generated based on the current listing's property type and located in Huntsville. Average values are derived using median calculations.
DARYL  KING
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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.

Explore More GTA Homes:

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.