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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Lot 50

Fox Island Georgina Islands L4P 3E9

$289,900

Residential Freehold beds: 3 baths: 1.0

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• Details
• Photos
• Map

Status:

Active

Prop. Type:

Residential Freehold

MLS® Num:

N13584748

Bedrooms:

3

Bathrooms:

1

• Photos (44)

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Escape to your own slice of paradise on the highly sought-after south shore of Fox Island! This charming direct waterfront family cottage on Lake Simcoe is situated on a land lease lot with a lease in place until August 31, 2064, offering years of carefree cottage living. Enjoy a beautiful pebble beach that gradually transitions to a sandy shoreline, creating the perfect setting for swimming, fishing, or simply watching the kids play safely at the water's edge. Inside, you'll find a bright and spacious open-concept living area with cathedral ceilings and large windows that fill the cottage with natural light. The recently renovated kitchen and bathroom blend seamlessly with the cottage's inviting charm, while three generously sized bedrooms provide plenty of space for family and guests. Being sold fully furnished with couches, coffee tables, beds, kitchenware, a kitchen table, water cooler, and small appliances, all you need to do is arrive and start making memories. Designed for comfort throughout the seasons, the cottage features baseboard heating with individual thermostats, a forced-air electric furnace, and an easy-to-use pellet stove for added warmth and ambiance. Step outside to the wrap-around deck, the perfect place to enjoy your morning coffee or unwind while taking in the evening sunsets. Gather with family and friends around one of the two fire pits, or relax on the waterfront patio complete with a patio set and umbrella, and take advantage of the separate storage shed with a durable metal roof.

General Info:

Property Type:

Residential Freehold

Property Sub Type:

Detached

Home Style:

Bungalow

Total Approx Floor Area:

1100-1500

Lot Depth:

200'61 m

Lot Frontage:

60'18.3 m

Direction Faces:

South

Bedrooms:

3

Bathrooms:

1.0

Water supply:

Other

Kitchens:

1

Bedrooms Above Grade:

3

Kitchens Above Grade:

1

Rooms Above Grade:

6

Zoning:

Seasonal Residential

Additional Info:

Heating type:

Baseboard

Heating Fuel:

Electric

Foundation:

Piers

Roof:

Metal

Basement:

Crawl Space

Fireplace Features:

Pellet Stove

Fireplace/Stove:

Yes

Alternative Power:

None

Garage:

None

Garage Spaces:

0.0

Parking Spaces:

0

Total Parking Spaces:

0.0

Rural services:

Cell Services, Electricity Connected, Garbage Pickup, Power Single Phase

Family Room:

No

Possession Details:

TBA

Lot Irregularities:

As Per Lease

Pool:

None

Link:

No

Financial Info:

HST Applicable To Sale Price:

Included In

Taxes:

$1,270 / 2025

Assessment:

$- / -

County:

York

Listing Area:

Georgina Islands

Listing Sub-Area:

Fox Island

Interior Features:

Primary Bedroom - Main Floor, Water Heater Owned, Carpet Free

Easement/ Restrictions:

Unknown

Inclusions:

Existing Fridge, Stove, Dishwasher, Pellet Stove, Blinds, Propane BBQ, All Outdoor Patio Furniture, Kitchen Table, Couches, Coffee Tables, Beds, Kitchenware, Water cooler, Small Appliances,. Large Steel Dock (In Backyard), Outdoor Storage Shed, 6,000 LB Electric Lift. Marine Railway With an Electric Winch and A Smaller Wooden Rail With a Manual Winch. UV Water Treatment System, Pre-filter, Large Pressure Tank, and A Submersible Pump with Cam-Lock Connections. - Cottage is being sold with all of its contents, excluding the staging furniture.

Exclusions:

Window Curtains

Exterior Finish:

Vinyl Siding

Water Frontage:

60'18.28 m

Waterfront Features:

Beach Front, Boat Lift, Dock, Trent System, Waterfront-Deeded, Winterized

Waterfront:

Direct

Shoreline:

Mixed, Sandy

Shoreline Allowance:

None

Shoreline Exposure:

South

View:

Lake

Water View:

Direct, Unobstructive

Access to property:

By Water, Marina Docking, Private Docking, Water Only

Water Body Name:

Lake Simcoe

Water Body Type:

Lake

Waterfront Accessory Buildings:

Not Applicable

Docking Type:

Private

Room Information:

Floor

Type

Size

Other

Main

Living Room

18'10"5.74 m × 14'5"4.39 m

Cathedral Ceiling(s), Large Window, Carpet Free

Main

Kitchen

10'3.05 m × 10'3.05 m

Cathedral Ceiling(s)

Main

Primary Bedroom

13'9"4.19 m × 8'11"2.72 m

Carpet Free

Main

Bedroom 2

13'8"4.17 m × 8'11"2.72 m

Carpet Free

Main

Bedroom 3

10'3"3.12 m × 8'7"2.62 m

Carpet Free

Bathrooms:

Floor

Ensuite

Pieces

Other

Main

No

-

7'1" x 7'¼"

Other Details:

Utilities Gas:

No

Utilities Hydro:

Yes

Utilities Water:

No

Water Supply Types:

Lake/River

Special Designation:

Unknown

Sewers:

Septic

Air Conditioning:

None

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Jul 20, 2026

Original Price:

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Previous Price:

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Listed by REMAX YOUR COMMUNITY REALTY

Data was last updated July 27, 2026 at 08:15 PM (UTC)

Area Statistics

Listings on market:

14

Avg list price:

$324,450

Min list price:

$109,000

Max list price:

$799,000

Avg days on market:

43

Min days on market:

1

Max days on market:

171

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

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• 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.