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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9 7 Silver Point Road

Seguin Seguin P2A 2W8

$479,000

Residential Freehold beds: 2 baths: 1.0

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Status:

Active

Prop. Type:

Residential Freehold

MLS® Num:

X13522400

Bedrooms:

2

Bathrooms:

1

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AFFORDABLE YEAR-ROUND COTTAGE OWNERSHIP ON BEAUTIFUL SILVER LAKE! Enjoy all the benefits of waterfront cottage living without the full-time cost with this 1/10 fractional ownership opportunity at Cottages at Silver Lake. Built in 2013, this well-maintained 2 Bedroom, 1 Bathroom cottage offers comfortable year-round use and has been enjoyed as a full-time residence, making it ideal for every season. The bright, inviting interior provides a comfortable space to relax after a day on the lake, while the professionally managed resort allows you to spend more time enjoying the property and less time maintaining it. Monthly maintenance fees of approximately $800 cover many of the major ownership expenses, including property taxes, insurance, cable, internet, garbage removal, and maintenance of the resort grounds, providing worry-free ownership. For those looking to offset ownership costs, the cottage has an excellent rental history, generating approximately $2,500 per week during the summer months, with additional rental potential throughout the shoulder seasons and winter. Whether you're searching for an affordable family getaway, a low-maintenance recreational property, or an income-producing investment, this is an outstanding opportunity to enjoy everything Silver Lake has to offer.

General Info:

Under Contract:

Propane Tank

Property Type:

Residential Freehold

Property Sub Type:

Detached

Home Style:

Bungalow

Total Approx Floor Area:

700-1100

Lot Depth:

1020'311 m

Lot Frontage:

310'94.5 m

Direction Faces:

North

Bedrooms:

2

Bathrooms:

1.0

Water supply:

Well

Kitchens:

1

Bedrooms Above Grade:

2

Kitchens Above Grade:

1

Rooms Above Grade:

6

Additional Info:

Heating type:

Other

Heating Fuel:

Propane

Foundation:

Block

Roof:

Asphalt Shingle

Basement:

None

Fireplace Features:

Propane

Fireplace/Stove:

Yes

Alternative Power:

Unknown

Garage:

None

Garage Spaces:

0.0

Parking Spaces:

2

Total Parking Spaces:

2.0

Family Room:

No

Pool:

None

Link:

No

Financial Info:

HST Applicable To Sale Price:

Included In

Assessment Year:

2025

Taxes:

$6,380 / 2025

Assessment:

$- / 2025

County:

Parry Sound

Listing Area:

Seguin

Listing Sub-Area:

Seguin

Property Features / Area Influences:

Beach, Clear View, Lake Access, Park, Waterfront

Interior Features:

Propane Tank

Easement/ Restrictions:

Unknown

Rental Items:

Propane tank

Inclusions:

Fridge, Stove, Microwave, most furniture can be included.

Exclusions:

Personal Items

Exterior Finish:

Vinyl Siding

Water Frontage:

1017'310 m

Waterfront Features:

Beach Front, Boat Slip, Dock

Waterfront:

Direct, WaterfrontCommunity

Shoreline:

Sandy, Clean

Shoreline Allowance:

None

Water View:

Direct

Access to property:

Year Round Municipal Road

Water Body Name:

Silver Lake

Water Body Type:

Lake

Waterfront Accessory Buildings:

Not Applicable

Docking Type:

Private

Room Information:

Floor

Type

Size

Other

-

Living Room

15'5"4.70 m × 12'6"3.81 m

-

Kitchen

10'10"3.30 m × 8'1"2.46 m

-

Dining Room

10'10"3.30 m × 7'3¾"2.23 m

-

Bedroom

11'3"3.43 m × 9'9"2.97 m

-

Primary Bedroom

11'7"3.53 m × 10'5"3.18 m

Other Details:

Water Supply Types:

Drilled Well

Special Designation:

Unknown

Sewers:

Septic

Air Conditioning:

None

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Jul 04, 2026

Original Price:

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Previous Price:

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Listed by RE/MAX Parry Sound Muskoka Realty Ltd

Data was last updated July 5, 2026 at 12:15 PM (UTC)

Area Statistics

Listings on market:

76

Avg list price:

$1,198,400

Min list price:

$299,900

Max list price:

$7,249,000

Avg days on market:

49

Min days on market:

1

Max days on market:

719

These statistics are generated based on the current listing's property type and located in Seguin. Average values are derived using median calculations. This data is not produced by the MLS® system.

Get market change alerts

• DARYL KING
• RE/MAX HALLMARK REALTY LIMITED
• 1 (905) 9075464
• homes@darylking.com

This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website. The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.

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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.