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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LT 254 Dorcas Bay Road in Bruce: Northern Bruce Peninsula House for sale : MLS®# X12129284
LT 254 Dorcas Bay Road Bruce N0H 2R0 
$169,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12129284
Good building lot in Dorcas Bay is located on a year-round paved municipal road. This well treed property measures 200 feet in width and 400 feet in depth. Utilities such as hydro and telephone are available along the roadside. As a building lot, it permits the construction of either a year-round residence or a four-season cottage. Set in a rural area, the lot will necessitate the installation of a septic system and a well, typically drilled, for water. The municipal road is maintained and plowed during the winter. 2025 taxes: $290.00. This building lot is ideal for those who cherish country living and aspire to construct their dream home or cottage. It is conveniently located about a fifteen-minute drive to Tobermory, with Singing Sands beach also nearby. More detailsListed by RE/MAX Grey Bruce Realty Inc.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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LOT 1 HANLAN TWP Township in Cochrane: Hearst House for sale : MLS®# T12126118
LOT 1 HANLAN TWP Township Cochrane P0L 1N0
$289,000Residential Freehold- Status:
- Active
- MLS® Num:
- T12126118
- Bedrooms:
- 3
- Bathrooms:
- 1
DISCOVER THE ULTIMATE RETREAT WITH THIS CUSTOM BUILT CEDAR COTTAGE NESTLED ON A BEAUTIFULLY LANDSCAPED 1.6 ACRE LOT. LOCATED AT THE TIP OF A PENINSULA, THIS PROPERTY OFFERS BREATHTAKING 270 DEGREE VIEWS OF LAKE PIVABISKA AND BOASTS OVER 370 FEET OF PRIME LAKE FRONTAGE. BUILT IN THE 90'S WITH EXCEPTIONAL CRAFTSMANSHIP AND ATTENTION TO DETAILS BY THE OWNER-BUILDER, THIS WATER ACCESS ONLY COTTAGE EXUDES CHARM AND COMFORT. THE INVITING ATMOSPHERE IS PERFECT FOR FAMILY GATHERINGS AND FRIENDLY GET-TOGETHERS. ENJOY THE LUXURY OF YOUR PRIVATE BEACH AND TAKE ADVANTAGE OF ENDLESS OPPORTUNITIES FOR FISHING, BOATING, KAYAKING AND CANOEING. PIVABISKA LAKE IS RENOWNED FOR ITS GREAT FISHING YEAR-ROUND AND PROVIDES DIRECT ACCESS TO FOUR ADDITIONAL LAKES, MAKING IT ONE OF THE LARGEST WATER BODIES IN NORTHERN ONTARIO. THIS COTTAGE COMES FULLY FURNISHED AND TURN-KEY READY, OFFERING A HASSLE-FREE GETAWAY AND HAS EVERYTHING YOU NEED TO START ENJOYING THE BEAUTY AND SERENITY OF LAKE PIVABISKA IMMEDIATELY.. DON'T MISS THIS RARE OPPORTUNITY TO OWN A SLICE OF PARADISE IN NORTHERN ONTARIO. 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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41 Maple Drive in Bruce: Northern Bruce Peninsula House for sale : MLS®# X12126235
41 Maple Drive Bruce N0H 1Z0
$349,999Residential Freehold- Status:
- Active
- MLS® Num:
- X12126235
- Bedrooms:
- 3
- Bathrooms:
- 2
Lovely three bedrooms, two bathroom home in Miller Lake. Eat-in kitchen with bay window, fireplace in living area, primary bedroom with an en suite. Updates include newer flooring mostly throughout, roof shingles new in 2022. There is a ramp leading to the front and side entrance of the home and to the small pond in the front yard. Propane forced air. Home comes furnished and is move in ready. Makes a great starter home for family or four season cottage. Property is located on year round paved road. Centrally located between Lions Head and Tobermory. A kilometer away from good public access to Miller Lake. Located on year round paved road. Taxes: $1902.39. More detailsListed by RE/MAX Grey Bruce Realty Inc.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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27 657 Thunder Bridge Road in Kawartha Lakes: Ops House for sale : MLS®# X12126501
27 657 Thunder Bridge Road Kawartha Lakes K9V 4R1
$82,500Residential Freehold- Status:
- Active
- MLS® Num:
- X12126501
- Bedrooms:
- 3
- Bathrooms:
- 1
Discover The Perfect Getaway In This 2021 Northlander Shaftesbury Trailer, Nestled In The Tranquil Cedar Valley Cottage Resort In Kawartha Lakes. This Charming 3-Bedroom, 1-Bathroom Retreat Comfortably Sleeps 6-8, Making It Ideal For Family Vacations Or Peaceful Weekends Away. Set On A Corner Lot Close To All Park Amenities Including A Heated Saltwater Pool, Tennis Courts, Pickleball, And More. Enjoy Your Mornings On The Front Deck. This Cottage Includes Most Furniture & Supplies, Truly Making This A Turn Key Getaway! Whether You're Into Fishing, Boating, Or Exploring Nearby ATV Trails, There's Something For Everyone. Plus, You're Just Minutes From Lindsay For All Your Shopping Needs. The Park Is Open From May To October, Offering A Perfect Seasonal Escape. Don't Miss This Opportunity To Own A Piece Of Paradise! More detailsListed by ROYAL LEPAGE KAWARTHA LAKES REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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4 Park Meadow Lane 486 County Rd 18 in Prince Edward County: Athol House for sale : MLS®# X12126505
4 Park Meadow Lane 486 County Rd 18 Prince Edward County K0K 1P0
$66,411Residential Freehold- Status:
- Active
- MLS® Num:
- X12126505
- Bedrooms:
- 2
- Bathrooms:
- 1
*** This Mobile unit is located on a Seasonal land lease resort*** --Purchase price not subject to HST-- Cottage Season is here and this affordable unit can be yours!! Enjoy beautiful Cherry Beach Resort today. This 2013 Northlander unit (456Sqft) comes fully furnished & ready for a quick possession. The primary bedroom is your private retreat for a quick rest following those great days at the beach. Here at the resort, sandals and towels a must! You went to the beach , had a little nap and now you are ready to enjoy a delicious BBQ with your friends and loved ones. This unit is located within walking distance of the beach and resort amenities, but also far enough that you enjoy tranquility during those busier weekends. It would not be a real cottage experience if the kids did not bunk in the second bedroom now would it? This simple cottage is exactly what you need when looking to unwind from the big city. Located 2 and 1/2 hours from Toronto and just under four hours from Montreal (yes there are lots of owners coming from both cities). The resort is located minutes from Picton, Sandbanks, Base 31 and the Outlet river granting access to Lake Ontario. The resort is open from May 1st to October 31st. Annual fees of $8,040.00 + HST are payable in 2 installments. 1st installment due on Nov 1st and 2nd installment due on April 1st. Fees include the following (Lot occupation fee, water & sewer, lawn care, hydro, resort amenities like: Multi-Sport court, rec plex, salt water heated pool, beach, splash pad, playground, events and more). More detailsListed by ROYAL LEPAGE PROALLIANCE REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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37 Lakeshore Road in Peterborough: Hiawatha First Nation House for sale : MLS®# X12126584
37 Lakeshore Road Peterborough K0L 2G0
$249,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12126584
- Bedrooms:
- 3
- Bathrooms:
- 1
Welcome to your own slice of paradise on the north shore of Rice Lake! This charming cottage boasts 3 cozy bedrooms and a 3-piece bathroom. The spacious living room features a vaulted tongue and groove ceiling, new vinyl floors and a large picture window that captures the breathtaking views of the lake. The bright kitchen offers plenty of storage space and a dining area with a walkout to the deck. Step out onto the expansive wraparound deck and soak in the tranquility of the water. The large dock is perfect for your boats and watercraft, or for jumping off to go for a refreshing swim, allowing you to fully enjoy the lake. And don't forget your fishing rods because Rice Lake is known for its great fishing. Situated on a quiet dead end street, just a short walk to the boat launch, restaurant & gas bar, and only a 20 minute drive to Peterborough. Don't miss out on this amazing opportunity to create lasting memories with your family and friends in this idyllic waterfront retreat. Deck (2019), fridge & well pump (2022), plumbing (2023), vinyl floors in LR (2024). Land lease with no property taxes. Possible to winterize. Seller willing to cover land lease fees of $9,792 for remainder of term ending June 30, 2025 More detailsListed by CENTURY 21 UNITED REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1023 Little Hawk Lake Road in Haliburton: Stanhope House for sale (Algonquin Highlands) : MLS®# X12126717
1023 Little Hawk Lake Road Haliburton K0M 2K0
$179,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12126717
Beautiful Building Lot with Halls Lake Views Minutes to Carnarvon & Halls Lake. This stunning, well-treed building lot offers a rare opportunity to create your dream retreat in the heart of cottage country. Located just minutes from Carnarvon and the sparkling shores of Halls Lake, this private parcel features an established building site and a driveway already in place saving you time and effort as you plan your build. Enjoy serene views of Halls Lake from your future home, all while tucked away on a quiet, year-round municipal road. Whether you're envisioning a cozy cabin or a spacious family getaway, this lot offers the perfect canvas in a peaceful natural setting. More detailsListed by RE/MAX Professionals North- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1519 North Baptiste Lake Road in Hastings: Herschel Ward House for sale (Hastings Highlands) : MLS®# X12127010
1519 North Baptiste Lake Road Hastings K0L 2S0
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12127010
Welcome to 1519 North Baptiste Lake Road - a rare opportunity to own 1.07 acres of waterfront paradise! This level, maturely treed, and private lot offers endless potential. Build your dream cottage or use it as the ultimate campsite retreat as it is presently used for. With serene eastern exposure, enjoy peaceful sunrises as you sip your morning coffee by the water. Spend your days swimming, boating, kayaking, fishing and even snowmobiling in the winters right from your own shoreline. Whether you're planning a seasonal escape or a year-round getaway, this tranquil property is your blank canvas. Start building memories and your dream retreat today! Buyer is advised to do their own "Due Diligence" with regards to all aspects and facets of the subject property and the Buyer's intended use of it. More detailsListed by EXIT REALTY LIFTLOCK- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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4544 Bowles Lane in Simcoe: Washago House for sale (Severn) : MLS®# S12127521
4544 Bowles Lane Simcoe L0K 2B0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- S12127521
Discover this exceptional building lot boasting approximately 150 feet of frontage along the scenic Green River. Spanning approximately 3.49 acres, this private parcel offers a picturesque setting with roughly 1.75 acres to build your custom dream home or cottage. The riverfront area presents excellent opportunities for paddle boarding, kayaking, and swimming. Please note that the buyer is responsible for all development fees and lot levies. More detailsListed by RE/MAX RIGHT MOVE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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00 - Part of Lot 11 Gagne Road in Prescott and Russell: 607 - Clarence/Rockland Twp House for sale (Clarence-Rockland) : MLS®# X12127410
00 - Part of Lot 11 Gagne Road Prescott and Russell K0A 2A0
$385,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12127410
Build your dream home on the amazing 17.2 acres Wooden lot. 400 feet of frontage x 1000 feet deep, L shaped Lot. Lot approved for duplex or custom home. Possibility of dividing another lot in future. Sugarbush establishment, small cottage and wood shed situated on lot with sugar bush equipment to be able to tap over 500 trees. Family fun! 20 apples trees grown on lot. Power line covers 4 acres out of 17.2 acres. Located just 25 minutes from Orleans and 14 minutes from Rockland, close to all amenities. Close to Schools, Parks, Clarence-Creek arena, Rockland Walmart, Larose Forest trails, LCBO, Hammond golf course visible from property , stores, all close to reach. A peaceful and tranquil country life. More detailsListed by GRAPE VINE REALTY INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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0000 Bayshore Road in Northumberland: Brighton House for sale : MLS®# X12127461
0000 Bayshore Road Northumberland K0K 1H0
$225,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12127461
A rare find in Presquile Provincial Park, one of few remaining vacant building lots in the residential area of the Park. This level lot recently cleared in July - awaits your new home or cottage. Located on a quiet road, 4 properties from a boat launch and short walk to Municipal Park and Government dock area. Presquile Provincial Park offers access to 2 sandy beaches, abundance of wildlife and a haven for bird watchers, lots of interior walking / biking trails, picnic areas and a functional lighthouse. A wonderful rural community in the residential area. More detailsListed by RE/MAX QUINTE LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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53 Long Island in Peterborough: Otonabee-South Monaghan House for sale : MLS®# X12127545
53 Long Island Peterborough K0L 1B0
$499,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12127545
- Bedrooms:
- 3
- Bathrooms:
- 1
Spring is Here-time for cottage season to begin! Enjoy this extensively renovated island cottage on Long Island, Rice Lake. This fully insulated cottage features, new windows and main door. New siding, soffits, fascia and eaves. Put your mind at ease knowing there is a new steel roof on the front and 5-year-old shingles on the rear plus a new steel roof on the shed. Indoors you will find a new freshly installed kitchen just waiting for its first family gathering. The fresh bathroom offers a new vanity and light fixture. As you enter the cottage, the new wood wall coverings add a welcoming pine smell. The new subfloor and flooring provide easy maintenance and durable living space. A new ductless heat pump and baseboards help to keep the cold at bay. Throughout the cottage, there are new switches and plugs and light fixtures. The property has a spacious rear yard with space for the children to play. The property is just a few minute's boat ride from the mainland which will allow you to be relaxing on the dock in no time. Just 90 minutes from the GTA, Rice Lake is known for it's spectacular fishing, boating and family friendly atmosphere. More detailsListed by ROYAL HERITAGE REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated May 7, 2025 at 01:15 AM (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.