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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A201-D1 1869 Muskoka 118 Road W

Monck (Muskoka Lakes) Muskoka P1L 1W8

$65,000

Residential Condo & Other beds: 2 baths: 2.0

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• Details
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Status:

Active

Prop. Type:

Residential Condo & Other

MLS® Num:

X12369662

Bedrooms:

2

Bathrooms:

2

• Photos (24)

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Escape to easy, maintenance-free cottage living in this bright two-storey, two-bedroom, two-bathroom unit, thoughtfully designed with multiple outdoor spaces. Relax on the BBQ deck, spend evenings in the enclosed Muskoka room, or soak up the sun on your private upper-level deck off the primary suite. Ownership includes 6 weeks annually, with a rotating bonus week every second year (one of Christmas, New Years, May 24, or Thanksgiving), plus the option to place your unit in the rental program for added income. High-speed internet ensures you can stay connected, making this an excellent choice for those who want the option to work remotely while enjoying Muskoka. Touchstone Resort provides a full range of amenities for every lifestyle. Dine at the on-site Touchstone Grill, lounge by the infinity pool and hot tub overlooking Lake Muskoka, or enjoy the sandy beach with an additional pool, hot tub, playground, and firepits. For active days, take advantage of the tennis and pickleball courts, spa, and fitness centre, or explore the many docks and decks along the waterfront. Conveniently located between Bracebridge and Port Carling, the resort keeps you close to fine dining, shopping, and local attractions while offering the ultimate Muskoka retreat.D1 weeks. Please note this is a non-pet-friendly unit. Monday to Monday occupancy.

General Info:

Property Type:

Residential Condo & Other

Property Sub Type:

Condo Apartment

Home Style:

Apartment

Total Approx Floor Area:

1000-1199

Exposure:

South West

Bedrooms:

2

Bathrooms:

2.0

Kitchens:

1

Bedrooms Above Grade:

2

Kitchens Above Grade:

1

Rooms Above Grade:

6

Zoning:

WC

Additional Info:

Heating type:

Forced Air

Heating Fuel:

Propane

Storey:

2

Balcony:

Open

Basement:

None

Fireplace Features:

Propane

Fireplace/Stove:

Yes

Alternative Power:

Other

Garage:

None

Garage Spaces:

0.0

Parking Features:

Unreserved

Parking Type:

Common

Parking Spaces:

2

Total Parking Spaces:

2.0

Locker:

Ensuite

Family Room:

No

Financial Info:

HST Applicable To Sale Price:

Included In

Maintenance Fee:

$403.66

Maintenance fees include:

Heat Included, Hydro Included, Water Included, Cable TV Included, Common Elements Included, Building Insurance Included, Parking Included

Taxes:

$435.58 / 2024

Assessment:

$- / -

Listing Area:

Muskoka Lakes

Listing Sub-Area:

Monck (Muskoka Lakes)

County Or Parish:

Muskoka

Interior Features:

Other

Easement/ Restrictions:

Other

Pets Permitted:

No

Exterior Finish:

Vinyl Siding

Retirement:

No

Waterfront Features:

Other

Waterfront:

WaterfrontCommunity

Shoreline:

Mixed

Shoreline Allowance:

Owned

View:

Lake

Water View:

Direct

Access to property:

Year Round Municipal Road

Water Body Name:

Lake Muskoka

Water Body Type:

Lake

Waterfront Accessory Buildings:

Boat House

Docking Type:

Private

Other Details:

Special Designation:

Other

Air Conditioning:

Central Air

Central Vacuum:

No

Seller Property Info Statement:

No

Ensuite Laundry:

Yes

Laundry Access:

In-Suite Laundry

Business Info:

Condo Corporation Number:

66

Property Management Company:

Percel

Building Name:

Cascades A

Listing Info:

Date Listed:

Aug 29, 2025

Original Price:

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Previous Price:

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Listed by Bracebridge Realty

Data was last updated September 7, 2025 at 10:15 PM (UTC)

Area Statistics

Listings on market:

13

Avg list price:

$460,000

Min list price:

$105,000

Max list price:

$824,000

Avg days on market:

86

Min days on market:

13

Max days on market:

436

These statistics are generated based on the current listing's property type and located in Muskoka Lakes. 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.

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.