Waterfront Cottages for Sale in Ontario Under $300000 – Affordable Lakeside Retreats
Dreaming of a cottage by the water? With waterfront cottages for sale in Ontario under $300000, it’s possible to own a serene escape without breaking the bank. Our listings offer a variety of affordable waterfront properties, showcasing the serene beauty of Ontario’s natural landscapes. Whether you’re looking for a weekend getaway, a retirement retreat, or a budget-friendly investment, Ontario’s cottage country has options for every lifestyle.
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2868C County Rd 8 in Greater Napanee: 58 - Greater Napanee House for sale : MLS®# X13075722
2868C County Rd 8 Greater Napanee K7R 3K7 
$300,000Residential Freehold- Status:
- Active
- MLS® Num:
- X13075722
- Bedrooms:
- 1
Beautiful waterfront property that has an old summer cottage on it. Buyers can dream of theirnew plans for it. Along a quiet lane with very little traffic. Experience sun all throughoutthe day with your north facing cottage or home. Seller does not provide any guarantees. More detailsListed by COLDWELL BANKER FIRST OTTAWA REALTY INC., BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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95 Fish Lake Road in Perry: Novar House for sale : MLS®# X12240690
95 Fish Lake Road Perry P0A 1A0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12240690
Escape to the serenity of Muskoka with this rare 13-acre vacant lot nestled in the peaceful community of Novar. This expansive parcel offers direct waterfront access, making it the perfect canvas for your dream home or cottage retreat. Plenty of creek frontage to canoe to beautiful Fish Lake. Driveway is already accessible. Situated just minutes from the highway, this property combines unmatched convenience with exceptional privacy ideal for year-round living or a seasonal getaway. Surrounded by mature trees and untouched natural beauty, you'll enjoy the tranquility of nature with easy access to nearby towns, lakes, and all that Muskoka has to offer. Seller willing to hold a $100,000 mortgage at current rates. More detailsListed by Royal LePage Lakes Of Muskoka Realty- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 1 Highway 35 in Minden Hills: Lutterworth House for sale : MLS®# X12404278
Lot 1 Highway 35 Minden Hills K0M 2L1
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12404278
If I were building another home, it would be on a lot like this! Stunning treed landscape with several acresand great elevations. This building lot is the perfect site for your dream home or cottage. Offering over 15acres and located steps to incredible Gull Lake, you can have the benefit of the waterfront lifestyle withoutthe price tag of waterfront property. For the day to day, you are minutes to the town of Minden, a 30 minutedrive to Orillia as well as being only 2.5 hours to Toronto. First time ever offered, this lot is ready for you tobring your home or cottage to life. If you are a builder or developer, there are 4 lots total here that couldmake a great project for spec builds or inventoried for later construction. The HST is included in the priceslisted and immediate possession is available. All servicing is the responsibility of the Buyer and theBuyer/Buyers representative to do their own due diligence in respect to building terms and criteria with thetownship. Lot is number 1 in the photos, see copy of survey attached. Four lots for sale More detailsListed by ENGEL & VOLKERS BARRIE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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00 Lot 1 Elephant Lake WAO in Dysart et al: Harcourt House for sale : MLS®# X12739822
00 Lot 1 Elephant Lake WAO Dysart et al K0L 1M0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12739822
Boat access: 16 acres on south shore of Elephant Lake. Well treed secluded setting to build your waterfront, off grid cottage, private cabin or yurt. Mostly hardwood bush mixed with topography. 140 meters shallow shoreline, install a dock for your boat access in a short distance from nearby Silver Springs Resort with yearly docking fee paid from the public boat launch. This 3 lake chain which includes Baptiste and Benoir Lakes offers 36 miles of boating and excellent fishing for Pickerel (Walleye), Musky and Bass. Located just North West of Bancroft and very close to Algonquin Park. More detailsListed by ROYAL LEPAGE FRANK REAL ESTATE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
1992 Smith Road Frontenac K0H 1C0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12927718
Discover the perfect canvas for your dream retreat on this stunning nearly 20 acre parcel in the heart of the Land O'Lakes region. Offering a rare combination of privacy and natural beauty, this exceptional property features direct waterfront on tranquil Farm Lake ideal for those seeking a peaceful escape surrounded by nature. With expansive acreage, this property provides endless possibilities to build your custom home, cottage, or getaway oasis. Enjoy picturesque views, mature trees, creek and trails throughout the property. The serenity of waterfront living, all while having ample space to explore, relax, and create your vision. Whether you're looking to invest, build, or simply own a piece of unspoiled paradise, this unique offering delivers the best of rural charm and outdoor lifestyle. Don't miss your opportunity to own a slice of Ontario's cottage country. Seller also owns 5 1/2 acres with a home and shop located across an unopened road allowance, which is being offered for sale concurrently MLS X12927714 More detailsListed by BALL REAL ESTATE INC.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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24 Villeneuve Court in West Nipissing: Sturgeon Falls House for sale : MLS®# X12963694
24 Villeneuve Court West Nipissing P2B 3G8
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X12963694
This rare waterfront opportunity, featuring 116' of frontage on the Lower Sturgeon River, is a quiet residential lot with full services. Prime location, incredible views, and endless potential. Don't miss out, waterfront properties like this are few and far between! Included with this waterfront property are architectural drawings already submitted for your dream home or cottage, making it even easier to bring your vision to life! More detailsListed by Century 21 Blue Sky Region Realty Inc., Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 4 Fox Island in Georgina Islands: Fox Island House for sale : MLS®# N13040504
Lot 4 Fox Island Georgina Islands L0E 1R0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- N13040504
- Bedrooms:
- 3
- Bathrooms:
- 1
Step Onto The Expansive Deck Overlooking The Tranquil Shores Of Lake Simcoe. This Outdoor Oasis Is Perfect For Morning Coffee Or Evening Gatherings, With Breathtaking Views That Inspire Relaxation And Rejuvenation. The Large, Well-Maintained Yard Provides Plenty Of Space For Outdoor Activities And Enjoying The Natural Beauty Of The Island Setting. Inside, The Cottage Welcomes You With An Open Concept Kitchen That Seamlessly Flows Into The Living Area. Cathedral Ceilings Enhance The Spacious Feel, Creating An Airy Atmosphere That's Perfect For Entertaining Friends And Family. Three Cozy Bedrooms Offer Comfortable Accommodations, Complemented By A Well-Appointed Bathroom For Convenience. This Cottage Offers More Than Just A Getaway; It's A Lifestyle. Imagine Spending Summers Surrounded By Nature, Enjoying The Peace And Tranquility Of Lakeside Living. With A Secure Land Lease Currently $4450/Per Year, You Can Relax Knowing Your Retreat Is Here To Stay. Whether You're Seeking A Weekend Escape Or A Summer Retreat, This Property On Fox Island Promises Unforgettable Experiences And Cherished Memories. Don't Miss Your Chance To Make This Lakeside Paradise Your Own. Schedule A Showing Today And Discover The Allure Of Waterfront Cottage Living, Just 1 Hour Away From The Heart Of Toronto. Your Lakeside Escape Awaits! More detailsListed by RE/MAX HALLMARK YORK GROUP REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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49 3282 Ogdens Beach Road in Tay: Rural Tay House for sale : MLS®# S13067682
49 3282 Ogdens Beach Road Tay L9S 2K6
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- S13067682
- Bedrooms:
- 2
- Bathrooms:
- 2
Spring Special. Set against the picturesque backdrop of Southern Georgian Bay, this 2-bedroom, 2-bathroom Beausoleil Cottage model offers an exceptional opportunity for resort living at its finest. Proudly manufactured in Canada, this move-in-ready cottage is perfect for those eager to take full advantage of the 2026 cottage season. Located on a premium waterfront lot, this cottage provides panoramic views and is just steps from the resorts new private pool. At 718 sq ft, this thoughtfully designed cottage features an open-concept living area, a fully-equipped kitchen, and a cozy yet spacious living room ideal for hosting family and friends. Step outside to one of two covered decks and enjoy your morning coffee while watching the sunrise over the water. With modern furnishings and top-tier amenities, including central air conditioning and a 50 linear electric fireplace, this cottage is designed for comfort and convenience. Wye Heritage Marine Resort is a seasonal 8-month resort, allowing you to enjoy the best of cottage living from spring to fall. The community offers an abundance of amenities, including two heated swimming pools, sports court (pickleball, tennis, basketball), restaurant, sandy beach, playground, and boating services. Cottage owners are guaranteed a boat slip and receive a 20% discount on their slip fees. This is an exclusive Phase 1 lot, so don't miss your chance to own this prime piece of paradise on Georgian Bay! More detailsListed by RE/MAX By The Bay Brokerage- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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Lot 13 4 Wheel Drive in Gravenhurst: Wood (Gravenhurst) House for sale : MLS®# X13037180
Lot 13 4 Wheel Drive Gravenhurst P0E 1G0
$299,111Residential Freehold- Status:
- Active
- MLS® Num:
- X13037180
A rare opportunity to invest in your future and build your own waterfront retreat in South Muskoka. Nestled in a quiet bay on the Severn River, sits a beautiful, undeveloped .52 acre lot. Offering the perfect, natural canvas for your dream cottage - or a wise long-term investment in land (because, as they say, they're not making any more of it!). With an elevated topography, the property is ideally suited for building high and dry, offering breathtaking water views. Iconic granite outcroppings and mature trees create a majestic property, making it just as magical untouched as it would be developed. Located only an hour north of Barrie, making it accessible for weekenders, vacation renters, or full-time residents. This is a place for stargazers, kayakers, and anyone who craves a connection to nature - yet it's conveniently close to everything. You're just 15 minutes from the famous Torrance Barrens Dark-Sky Preserve, and Gravenhurst is a scenic 30-minute drive for all your essentials. Adventure awaits on the water too: paddle over to the popular Hydro Glen Rope Swing... a memorable way to spend the afternoon with friends. Waterfront land in Muskoka is a timeless asset. Secure your piece of it now - and watch its value grow. Whether you're ready to build now or planning for the future, this is a place where lasting memories begin. Plan of subdivision available. Property has been recently staked with markers for ease of viewing. ALL SHOWINGS MUST BE BOOKED THROUGH LISTING OFFICE. DO NOT WALK THE PROPERTY ON YOUR OWN WITHOUT BOOKING A SHOWING WITH YOUR REAL ESTATE AGENT. The current annual maintenance fee for the road is $550. In order to build a cottage, there will be a one time road association fee. You can also choose to contribute more to the association annually for winter plowing and access year round. More detailsListed by REAL BROKER ONTARIO LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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11573 Beach Road E in Wainfleet: 880 - Lakeshore House for sale : MLS®# X12949370
11573 Beach Road E Wainfleet L0S 1V0
$299,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12949370
Terrific opportunity to build your year-round or seasonal home/cottage in this waterfront community on the beautiful shores of Lake Erie. This vacant lot has a private well; septic or other sanitation type would have to be installed. This lot has indirect waterfront views from across the street. The seller (Mabo Westside Construction Ltd.) is a registered/Tarion family-owned builder with 61 years of construction experience and is willing to design/build your dream home for you. Price is plus HST, however please note that with the newly introduced enhanced HST rebate program by the government, this is a rare opportunity to take advantage of significant development savings on a newly built home (https://news.ontario.ca/en/release/1007212/ontario-expanding-hst-rebate-to-lower-the-cost-of-new-homes-in-partnership-with-the-federal-government). Note: direct lakefront lot also listed across the street with same municipal address. More detailsListed by ROYAL LEPAGE NRC REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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1030 Lodge Lane in Leeds and the Thousand Islands: 824 - Rear of Leeds - Lansdowne Twp House for sale : MLS®# X12952548
1030 Lodge Lane Leeds and the Thousand Islands K0H 1E0
$299,000Residential Freehold- Status:
- Active
- MLS® Num:
- X12952548
Welcome to1030 Lodge Lane, a beautiful 10 acre waterfront parcel offering 435 feet of natural shoreline on serene Red Horse Lake. This property combines mature forest, rugged Canadian Shield character, and exceptional privacy-an ideal canvas for your future cottage or year round retreat. The shoreline features mixed waterfront, including natural shallow areas and striking granite outcroppings that frame the lake with classic Eastern Ontario charm. Wooden stairs are already in place for convenient water access, and a gravel driveway provides an easy approach into the lot. With hydro available to be brought in, development is straightforward, and the generous acreage offers multiple potential building sites surrounded by trees and nature. The land is part of a Managed Forest, preserving its natural environment and offering potential tax advantages. Located just 40 minutes from Kingston, this property offers peaceful lakeside living with convenient access to amenities. Whether you're seeking a recreational getaway or a long term investment in waterfront land, Lot 17 delivers space, beauty, and opportunity. More detailsListed by ROYAL LEPAGE PROALLIANCE REALTY, BROKERAGE- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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2 1185 North Kahshe Lake Road in Gravenhurst: Morrison House for sale : MLS®# X13062016
2 1185 North Kahshe Lake Road Gravenhurst P0E 1G0
$299,000Residential Freehold- Status:
- Active
- MLS® Num:
- X13062016
- Bedrooms:
- 2
- Bathrooms:
- 1
Welcome to your Muskoka retreat. Tucked into the heart of the Kahshe Lake community, this charming turnkey cottage offers two bedrooms, a detached bunkie for overflow guests, and a lifestyle that invites you to simply unwind. A 1 minute stroll brings you to the sandy shores of Nagaya Beach - all the magic of cottage country, without the waterfront price tag. The interior is bright and functional, with a comfortable living space and a kitchen ready for long summer weekends. Recent updates take the guesswork out of ownership: drilled well with heated line (2020), new holding tank (2020), and a new roof on the bunkie (2019). With year-round access and a move-in ready condition, this one is truly effortless from day one. Spend your mornings on the deck with coffee, your afternoons at the beach, and your evenings gathered around the fire pit. This is cottage living at its most relaxed - approachable, unpretentious, and completely yours. A rare opportunity to own an affordable slice of Muskoka in one of the region's most welcoming lake communities. More detailsListed by Chestnut Park Real Estate- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated May 3, 2026 at 09:15 PM (UTC)
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Why Consider Waterfront Cottages for Sale in Ontario Under $300,000?
Ontario’s diverse regions—like Kawartha Lakes, Bruce Peninsula, and Northern Ontario—offer access to affordable waterfront properties with:
• Scenic lakeside views and private beach access
• Rustic charm or potential for modern upgrades
• Fishing, boating, and outdoor adventure at your doorstep
• Low-maintenance lots perfect for weekend escapes
What to Expect in Ontario’s Affordable Cottage Market
While some listings may be seasonal or off-grid, many offer surprising value with:
- Basic utilities or solar-powered systems
- Wood-burning fireplaces or propane heating
- Cozy layouts ideal for small families or couples
- Options for rental income or long-term investment
Start Your Cottage Search Today
Our listings are updated regularly and showcase some of the best-value cottages under $300,000. Use filters to refine your search by region, water access, size, and year-round usability.
Let our team help you navigate zoning regulations, financing options, and hidden gems in Ontario’s cottage market.
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Each link provides updated listings and expert insights.
FAQs – Waterfront Cottages for Sale in Ontario Under $300000
1. Are year-round waterfront cottages available under $300,000?
Some are, but many are seasonal. Look for listings with winterized features or potential for upgrades.
2. Which regions in Ontario offer affordable cottages?
Areas like Northern Ontario, Bancroft, and parts of Kawartha Lakes often have waterfront listings in this price range.
3. Can I use a cottage as a rental property?
Yes, many owners rent out cottages seasonally. Check local bylaws before listing as a short-term rental.
4. What are common utilities in lower-priced cottages?
Many use well water, septic systems, propane, or off-grid power sources like solar or generators.
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.