Cottages for Sale Ontario Under $500 000 – Affordable Escapes in Nature
Dreaming of owning a serene getaway? With cottages for sale in Ontario under $500 000, you can enjoy lakeside living, weekend retreats, or investment opportunities without breaking the bank. From Muskoka and Kawartha Lakes to Parry Sound and beyond, there’s a cottage that fits your budget and lifestyle.
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917 Bruce Road #13 Road in Bruce: Native Leased Lands House for sale : MLS®# X12146176
917 Bruce Road #13 Road Bruce N0H 2L0 
$325,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12146176
- Bedrooms:
- 3
- Bathrooms:
- 2
Welcome to your summer retreat on the shores of Lake Huron where world-famous sunsets paint the sky every evening. This charming, well-maintained 3-bedroom, 1.5-bath cottage offers the perfect blend of rustic comfort and modern updates. Enjoy the warmth of woodstove heat, a newer septic system, and a brand-new 12' x 32' deck ideal for entertaining or simply soaking in the lake views and summer sunshine. Tucked between Sauble Beach and Southampton, you're just a short drive from Sauble's vibrant summer scene and sandy beaches or Southampton's quaint shops and charming small-town vibe. Whether you're looking for a peaceful weekend getaway or a family-friendly summer hub, this classic cottage is ready to welcome you. Leased land cottage- Annual Lease Fee $9000, Service Fee $1200. More detailsListed by Royal LePage RCR Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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12645 Schooley Road in Niagara: 880 - Lakeshore House for sale (Wainfleet) : MLS®# X12146360
12645 Schooley Road Niagara L0S 1V0
$349,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12146360
- Bedrooms:
- 3
- Bathrooms:
- 1
Welcome to this charming seasonal cottage in Wainfleet, Ontario the perfect summer retreat!Situated on a rare double lot, this summer cottage offers ample outdoor space and a warm, inviting interior full of character. Just a 60-second walk to your deeded access point to one of Lake Eries most beautiful sandy beaches, you'll enjoy the best of cottage living with all the comforts of home. Whether you're looking to relax under the trees, host family gatherings, or explore the shoreline, this property has it all. The expansive lot offers ample privacy and extra space to enjoy the outdoors. Don't miss this opportunity to own a slice of paradise in a peaceful, friendly lakeside community. A true gem for those seeking relaxation, recreation, and long-lasting summer memories. Ready for showings and quick possession your beachside cottage dream awaits! More detailsListed by A.G. ROBINS & COMPANY LTD, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1306-2 Eastshore Road in Muskoka: Gibson House for sale (Georgian Bay) : MLS®# X12146422
1306-2 Eastshore Road Muskoka P0C 1A0
$349,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12146422
- Bedrooms:
- 2
- Bathrooms:
- 1
This property is truly one of a kind. Location, access, privacy, and incredible potential! Situated on nearly an acre of leased land, it features two charming cabins and a third screened-in cabin, referred to as the Pavilion, all nestled among the trees, offering a perfect mix of seclusion and scenic exposure.The Pine Cabin is the larger of the two, featuring a king-sized bed, fireplace, roughed-in new kitchen, and screened in porch.The Cedar Cabin is a perfect bunkie with a queen and set of bunkbeds. Both cabins are wired for hydro, insulated, and built to code. The Pavilion offers a shared space to relax and enjoy the outdoors in comfort. With the addition of a septic system and a lake water intake, your cottage can offer all the comforts of home. The level lot is ideal future improvements, with stairs leading down to your private waterfront. There, you'll find multiple decks, long lake views, all-day sun and stunning sunsets, Gibson Lake is a family-friendly lake with an active Cottage Association. This summer enjoy everything Muskoka has to offer at a price point that is hard to beat. More detailsListed by ROYAL HERITAGE REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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190 1082 Shamrock Marina Road in Muskoka: Morrison House for sale (Gravenhurst) : MLS®# X12146436
190 1082 Shamrock Marina Road Muskoka P0E 1N0
$210,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12146436
- Bedrooms:
- 3
- Bathrooms:
- 2
Check out this wonderful 3-season retreat, at Shamrock Bay Resort. Which happens to be in a quiet cul-de-sac.Well maintained, modern, open concept, 3 bedroom, 2 bathroom. The updated interior with living room / kitchen combination is a wonderful area for entertaining or relaxing and cozying up in front of the fireplace. This oversized unit, a pleasant surprise. The primary bedroom with built-in cabinetry and an ensuite. With a 2nd and 3nd bedroom ideal for visiting family and friends. Step out and relax in your screened in sunroom or in the evening with a glass of wine. In addition you will find the pool and games area just around the corner. Perfect location and amenities for your summer enjoyment. Enjoy all that waterfront community living provides including the heated pool, private beach, pickle ball, basketball, horse shoes, community cafe, boat launch/marina. Enjoy the boating life while traveling the waters of Sparrow Lake and the Severn River. The Welcome Centre is a gathering place where information is available and the many resort activities are held especially for kids. Laundry facilities are conveniently located in a separate building a short distance away. Annual fee covers hydro, water, sewer, garbage, outside maintenance and property tax. The resort is ideally situated within a few moments of Highway 11,making it a convenient drive to the GTA and points beyond. You really should check this one, it could be the affordable cottage life you have dreamed of!*For Additional Property Details Click The Brochure Icon Below* More detailsListed by ICI SOURCE REAL ASSET SERVICES INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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10 Paterson Road in Cochrane: House for sale (Moonbeam) : MLS®# T12146515
10 Paterson Road Cochrane P0L 1V0
$199,000Residential Freehold- Status:
- Active
- MLS® Num:
- T12146515
- Bedrooms:
- 2
- Bathrooms:
- 2
Your Perfect Waterfront Retreat on Remi Lake! Escape to serenity with this charming summer cottage nestled on the tranquil shores of beautiful Remi Lake, just steps from Bay Ouellette Beach in Moonbeam. Whether youre searching for a peaceful weekend getaway or a cozy summer home, this property offers the ideal setting for rest, recreation, and unforgettable lakefront moments. Inside, the cottage features two bedrooms, an open-concept kitchen, and a living room and dining areaperfect for relaxing or entertaining with family and friends. Two bathrooms: one with a shower and sink, and another with a toilet and sink. Step out onto the front deck to take in the stunning lake view, or head to the dock and dive into the refreshing waters just steps away. A dugout basement beneath the cottage offers extra storage space, and the property comes with most furnishings and items includedjust bring your bags and start enjoying! Located in the heart of Moonbeam, this area is a recreational paradise. Enjoy sandy beaches, nearby campgrounds, and the fun-filled Twin Lakes Waterpark. For outdoor enthusiasts, Moonbeam offers a 9-hole golf course, ski hill, sports fields, and trails for snowmobiles and ATVs. You'll also find essential community amenities including a school, grocery store, hardware shop, local restaurants, and a churchall adding to the town's warm and welcoming charm. Don't miss your chance to own a slice of lakefront paradisebook your showing today! More detailsListed by RE/MAX CROWN REALTY (1989) INC- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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0 Anderson Road in Frontenac: 47 - Frontenac South House for sale : MLS®# X12146614
0 Anderson Road Frontenac K0H 2V0
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12146614
Rare Opportunity! Own Half of a Private Lake in the Heart of the Frontenacs Discover a truly unique chance to own 176 acres of pure serenity on the peaceful shores of Victoria Lake, a hidden gem located just south of Sharbot Lake, Ontario. With this rare offering, you'll have ownership of half of this quiet, secluded lake, surrounded by nature and teeming with excellent bass fishing. Accessible year-round via a well-maintained township road, this property is ideal for building your dream lakefront home or a cozy four-season cottage retreat. Whether you're seeking solitude, adventure, or the perfect place to make memories with family and friends, this stunning parcel of land has it all. Located just 1 hour north of Kingston, you'll be in the heart of the beautiful Frontenac region, where outdoor activities and natural beauty abound. Opportunities like this don't come around often, don't miss your chance to own a piece of unspoiled paradise. Contact today to learn more or schedule a private viewing! More detailsListed by RE/MAX FINEST REALTY INC., BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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2238 Burnt Bridge Road in Renfrew: 572 - Brudenell/Lyndoch/Raglan House for sale (Brudenell, Lyndoch and Raglan) : MLS®# X12146804
2238 Burnt Bridge Road Renfrew K0J 2E0
$399,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12146804
- Bedrooms:
- 2
- Bathrooms:
- 1
Calling all nature lovers, hunters, and outdoor adventurers! Charming 2-bedroom + loft off grid cottage set on 92 acres along the Little Mississippi River. This incredible property offers direct access to thousands of acres of crown land. From your own shoreline launch your boat on the Little Mississippi River and head out on an adventure towards the Madawaska River, Garden Lake, Winter Lake, and the renowned Conroy's Marsh Conservation Area a true haven for wildlife and exploration. Embark on a scenic boat ride all the way to Barry's Bay if you choose, with excellent fishing opportunities throughout. The property features three hunting stands, including one strategically placed on an old airstrip with expansive, unobstructed views stretching hundreds of feet. Comfort meets off-grid living with a full bathroom equipped with a composting toilet, wood stove for year-round warmth, and a galley-style kitchen complete with a propane fridge and stove. The cottage is fully wired for a generator and comes completely furnished just turn the key and start enjoying. Extras include a detached garage at the waters edge, accessory buildings and outhouse. Wildlife is abundant here expect regular visits from deer, moose, bear, turkeys, and beavers. Whether you're seeking a peaceful retreat, a hunters paradise, or a base for endless outdoor adventure, this property has it all. More detailsListed by CENTURY 21 GRANITE REALTY GROUP INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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46 LAKESHORE Road in Simcoe: Midland House for sale : MLS®# S12147632
46 LAKESHORE Road Simcoe L4R 0B9
$279,900Residential Freehold- Status:
- Active
- MLS® Num:
- S12147632
- Bedrooms:
- 3
- Bathrooms:
- 1
This Waterfront Supreme Cottager Classic Modular Cottage features 2-bedroom, 1-bathroom and is the ideal space to relax and reconnect with nature. The large, open-concept kitchen and inviting living space offers plenty of room to host guests. Extra guests will enjoy their private time in the custom Bunkie. Take in the stunning views and spectacular sunsets from the covered deck that is the perfect spot to entertain or simply sit back and relax on the back patio facing the lake. Nestled on the scenic shores of Little Lake Park this home offers 6 months of laid-back relaxation and leisure experiences. This exclusive community offers a premium location close to Midland's many shops and restaurants. Waterfront Cottage owners also have the option of keeping a boat and/or water toys withing steps of their front door. Very clean and well maintained More detailsListed by RE/MAX Georgian Bay Realty Ltd- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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243 MAPLE HOLLOW Drive in Lanark: 914 - Lanark Highlands (Dalhousie) Twp House for sale (Lanark Highlands) : MLS®# X12147408
243 MAPLE HOLLOW Drive Lanark K0G 1M0
$459,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12147408
- Bedrooms:
- 2
- Bathrooms:
- 1
Dalhousie Lake Living!Nestled privately at the end of Maple Hollow Drive, this charming and well-maintained cottage offers the perfect lakeside retreat. With expansive windows lining the front, the interior is filled with natural light and showcases stunning, unobstructed views of Dalhousie Lake.Enjoy the outdoors from the full-length deck, complete with a hard-top gazebo ideal for relaxing and soaking in the warm southern exposure.The main floor features a primary bedroom, a 3-piece bathroom, a well-appointed kitchen, dining area, main living room, additional lakeside living space, and a cozy sitting area all warmed by a propane stove, perfect for those crisp fall evenings.Upstairs, a spacious open-concept loft provides ample room for multiple beds, making it an ideal space for family and guests.Recent updates have been completed. With access to extensive snowmobile trails, this property is a year-round getaway at an affordable price. Cottage comes FULLY FURNISHED! More detailsListed by INNOVATION REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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0 Bayview Drive in Renfrew: 580 - Whitewater Region House for sale (Whitewater Region) : MLS®# X12147530
0 Bayview Drive Renfrew K0J 2L0
$195,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12147530
A rare opportunity to own a beautiful south-facing waterfront lot in Westmeath. This 2.438-acre parcel offers exceptional road access and direct access to the main channel of the Ottawa River, perfect for endless boating, fishing, and water recreation. Just around the corner, you'll find a gorgeous sandy beach and a vibrant summer scene that draws locals and visitors alike. Enjoy sun-drenched days with southern exposure, ideal for building your dream waterfront home or cottage. Less than 15 minutes to the town of Westmeath for gas or last minute items, 35 minutes to Pembroke and 1hr 40 minutes to Ottawa - making it a great escape from the city. Surrounded by natural beauty, this property combines tranquility with recreational paradise. 24 hours irrevocable required on all offers. More detailsListed by ROYAL LEPAGE EDMONDS & ASSOCIATES- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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61 Clarkes Lane in Muskoka: Stephenson House for sale (Huntsville) : MLS®# X12147581
61 Clarkes Lane Muskoka P0B 1M0
$224,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12147581
Rare Opportunity in Downtown Utterson. Tucked away on a quiet cul-de-sac, this 2.67-acre lot offers the perfect blend of privacy, charm, and potential.Well-treed and gently hilly, its an ideal spot to build your dream home or cottage with elevated views and year-round beauty. Picture mornings with coffee overlooking the treetops and evenings taking in the sunset from your future porch.Located on a year-round serviced road with garbage collection all just minutes from the heart of Utterson.This isn't just land. It's the beginning of something special. More detailsListed by RE/MAX Professionals North- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1501 Line 8 Road in Niagara: House for sale (Niagara-on-the-Lake) : MLS®# X12147638
1501 Line 8 Road Niagara L0S 1L0
$79,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12147638
- Bedrooms:
- 3
- Bathrooms:
- 1
Welcome to Unit 234 the beautiful Vine Ridge Resort Queenston, Open May 1st to October 31st . This fully furnished, 3 bed 1 bath cottage is a great place to escape for the summer! The main bedroom has a Queen size bed, two bedrooms have bunkbeds and in the living room a pullout couch. Deck with gate, gazebo, TV, DVD player and BBQ. A/C (new in 2024) and heating for seasonal enjoyment this is move in ready! Pet friendly and located near hiking, cycling, the outlet mall, Niagara-On-The-Lake, Niagara Falls and world class wineries. Cottage owners only pay for their own propane and insurance. The annual resort management fee which is paid up until October is $8220.00 plus HST (2025) that includes unlimited use of all resort facilities for you, your family and guests, resort maintenance, water, sewage, hydro, grass cutting, WiFi in welcome centre, Kidz Klub, 1 acre splash pad, inground pool, multi sport courts (including volleyball), communal campfire, playground and special events throughout the year. The resort fully embraces Airbnb to help make these very affordable. Wifi has been paid in full for the year. More detailsListed by SHAW REALTY GROUP INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Data was last updated May 14, 2025 at 10:15 PM (UTC)
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Explore Affordable Cottages Across Ontario
These budget-friendly cottages combine comfort, character, and natural surroundings—ideal for families, retirees, or rental investors.
- Waterfront and inland cottages under $500K
- Cozy cabins, A-frames, and seasonal retreats
- Many listings with decks, wood-burning stoves, and lake access
- Located near popular outdoor destinations like Georgian Bay and Haliburton
Why Choose a Cottage in Ontario Under $500 000?
Ontario’s cottage country offers unmatched natural beauty, four-season recreation, and peaceful communities. Buying within this price range gives you access to:
- Quiet relaxation and outdoor adventure
- Strong resale or rental potential
- Proximity to major cities like Toronto and Ottawa
- Entry-level pricing for first-time buyers and vacation homeowners
Navigating the Cottage Buying Process
Buying a cottage involves various considerations, such as understanding property maintenance, seasonal accessibility, and local amenities. Our resources and expert guidance are designed to help you navigate these complexities, ensuring a smooth and informed buying process. We offer advice on inspections, financing options, and long-term investment strategies to help you make the best choice.
Maximizing Exposure for Your Ontario Cottage
If you’re selling a cottage in Ontario, our platform offers exceptional exposure to a targeted audience of potential buyers. We utilize advanced marketing techniques to highlight the key features and benefits of your property, ensuring it stands out in the market. Our goal is to connect you with interested buyers efficiently, facilitating successful and profitable transactions.
Start Your Cottage Search Today
Ready to escape the city hustle? Browse our up-to-date listings of Ontario cottages under $500,000 and connect with real estate experts who can guide you to the right property.
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Each link provides updated listings and expert insights.
FAQs – Cottages for Sale Ontario Under $500 000
1. Where can I find cottages under $500,000 in Ontario?
Popular areas include Kawartha Lakes, Parry Sound, Haliburton, Bancroft, and some northern regions of Muskoka.
2. Are cottages in this price range year-round or seasonal?
Many are seasonal, but you can find winterized options suited for year-round living at this price point.
3. Can I get waterfront access for under $500,000?
Yes, though most will be smaller properties or located on less-populated lakes or rivers.
4. Is financing a cottage similar to buying a house?
Cottage financing is available but may require different terms depending on seasonal vs. year-round use.
5. Are these good for short-term rentals?
Absolutely. Many buyers purchase affordable cottages in Ontario for Airbnb or VRBO investment potential.
Get The Royal Treatment
When it comes to buying a home, you deserve real estate guidance from a team that truly cares about your long-term investment and client experience. Find out what it’s like to get the Royal Treatment by booking a buying consultation today.