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 north-facing waterfront property on Hay Bay that has an old summer cottage on it. Buyers can dream of their new plans for it. Along a quiet lane with very little traffic. This property is located minutes from charming Napanee and all its amenities and less than an hour from Prince Edward County's wineries, Sandbanks Provincial Park and the many lakes of the eastern Ontario. This is your chance to build memories for your family for generations to come. 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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1 1 Thompson in Kenora Remote Area: Lake of the Woods North House for sale : MLS®# X13257004
1 1 Thompson Kenora Remote Area P0X 1C0
$300,000Residential Freehold- Status:
- Active
- MLS® Num:
- X13257004
Watch for our for sale sign on the North shore of Thompson Island west of Pt Aylmer. 193.3 feet frontage. 518.01 feet deep on the west side and 581.62 feet deep on the east side. Septic Tank and Field already on site, a value of $40k! Power already on site – Vacant lot with deep Water Frontage This beautifully treed vacant lot offers a rare combination of privacy, convenience, and natural beauty. With a low height profile and deep water shoreline, it’s an ideal setting for your future cottage or retreat. Frontage: 58.92 meters (193.3 feet) West Depth: 157.89 meters (518 feet) East Depth: 177.28 meters (582 feet) Rear Width: 61.06 meters (200.3 feet) Electricity is already available on-site, with a power line running through the property. A septic field has also been installed and is ready to be hooked up—saving you time and cost in development. Located approximately a 15-minute boat ride from town, this lot offers peaceful seclusion with convenient access. In winter, the site is accessible via the ice road, which typically runs east-west in front of the property. Whether you're ready to build now or planning for the future, this waterfront gem is ready for your vision. Buy and build or hold. No time limit on development. For sale signs and lot lines markers on site. If you look to the lot from the water white markers are on each of the lot lines. Wonderful level site to build a great cottage. More detailsListed by CENTURY 21 NORTHERN CHOICE REALTY LTD.- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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4150 South Portage Road in Huntsville: Brunel House for sale : MLS®# X13441630
4150 South Portage Road Huntsville P1H 2J3
$299,999Residential Freehold- Status:
- Active
- MLS® Num:
- X13441630
Discover an exceptional opportunity at this prime vacant lot located on S. Portage Rd. in Huntsville. This property is just a stone's throw away from the stunning public waterfront area on Lake of Bays, making it the perfect canvas for your dream retreat. Imagine enjoying unparalleled access to the lake, complete with a dock and boat launch that allow for seamless adventures on the water. Whether you want to drop in your Sea-Doo, take a leisurely boat ride, or simply savor a morning coffee on the dock, this location offers it all. The lot features a rough driveway and a cleared building site, with a driveway entry permit already secured. This makes it easy to get started on your new project. Surrounded by a beautiful hardwood forest, the property provides a serene setting with trails for walking and exploration. It is high and dry, ensuring a solid foundation for your future home or cottage. Hydro is available at the road, making it convenient to set up utilities for your new build. This lot is ideal for a waterfront back lot cottage, a year round home. With great accessibility to Huntsville via Brunel Road, you can enjoy the tranquility of nature while remaining close to town amenities. This unique opportunity allows you to create a personal sanctuary in a location that offers both beauty and convenience. Don't miss your chance to build your dream home and enjoy all that Lake of Bays has to offer. Whether you seek a peaceful getaway or a vibrant family retreat, this property is ready for your vision. Contact us today to explore this fantastic opportunity! More detailsListed by Sotheby's International Realty Canada- 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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5 1115 Kahshe Lake Road in Gravenhurst: Morrison Condo Apartment for sale : MLS®# X12854592
5 1115 Kahshe Lake Road Gravenhurst P0E 1G0
$299,900Residential Condo & Other- Status:
- Active
- MLS® Num:
- X12854592
- Bedrooms:
- 1
- Bathrooms:
- 1
Motivated Sellers......Affordable lakeside living on Kahshe Lake in Muskoka. Beautiful fully winterized co-ownership offering 1-bedroom, 1-bathroom home, on a year round road. Large deck with bbq overlooking the lake and beach. The ownership includes full ownership of the home, direct waterfront views of both Kahshe lake and the Kahshe River, Sand beach and waterfront park, boating, a number of common areas including tennis courts, park area, games/meeting room, laundry and more. Easy access to highways and Gravenhurst is just a short distance away for all shopping needs. Don't miss your chance to enjoy a carefree cottage life. 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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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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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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1018 St. George Lake Road in Frontenac: 45 - Frontenac Centre House for sale : MLS®# X13134468
1018 St. George Lake Road Frontenac K0H 2P0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X13134468
Set on approximately 5 acres along the shores of St. Georges Lake, this waterfront lot offers an excellent opportunity to build your future lakefront home or cottage retreat just 5 minutes south of the village of Sharbot Lake. With approximately 1,129 feet of shoreline, the property provides a rare sense of space and separation, with much of the frontage extending through a shallow bay that naturally helps buffer neighboring properties. A municipally maintained road provides easy year-round access, while an installed driveway and hydro already onsite add convenience and value for future development. The lot features a gently sloping landscape toward the lake with a desirable level area near the shoreline, creating a strong setting for a future building site and waterfront enjoyment. The main waterfront area near the preferred building location offers decent swimming access along a firmer shoreline, while the smaller lake setting is known locally for good fishing and a quieter atmosphere compared to some of the larger nearby lakes. A camper trailer is included in as-is condition, allowing immediate recreational use while planning future improvements. If you've been searching for a larger waterfront parcel with hydro, road access, and excellent future building potential close to Sharbot Lake, this property is well worth a closer look. 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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Lot 23-20-6 40 Arrow Bay Road in Curve Lake First Nation 35: Curve Lake First Nation House for sale : MLS®# X13161190
Lot 23-20-6 40 Arrow Bay Road Curve Lake First Nation 35 K9L 9R0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X13161190
- Bedrooms:
- 3
- Bathrooms:
- 1
Summer Starts Here! Affordable Waterfront Living on Curve Lake, Escape to Cottage Life at 40 Arrow Bay Road. Welcome to 40 Arrow Bay Road, Curve Lake a rare opportunity to own an affordable waterfront cottage on the beautiful Trent Severn Waterway. Tucked away in a quiet bay, this 3 bedroom, 1 bathroom retreat offers the perfect setting for boating, swimming, fishing, and making unforgettable summer memories. Inside, enjoy a bright open concept kitchen, living, and dining area designed for easy cottage living and entertaining. Step outside to the lakeside deck, perfect for morning coffee, summer BBQs, or relaxing while taking in the peaceful water views. Clean, cozy, and move-in ready, this cottage offers an incredible chance to enjoy waterfront living at a fraction of the typical cost. Whether you're searching for a summer getaway, family retreat, or affordable waterfront investment, this property checks all the boxes. Located on leased land through Curve Lake First Nation, annual fees include: Land Lease: $3,450/year (Approximately) Service Fees: $1,648/year (Property taxes included in lease fees, Approximately)Enjoy the ultimate cottage lifestyle with direct access to endless boating and recreation on one of Ontario's most loved water systems. Don't miss your chance to enjoy summer at the lake book your private viewing today! More detailsListed by RE/MAX HALLMARK EASTERN REALTY- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
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917 BRUCE ROAD 13 Road: Native Leased Lands House for sale : MLS®# X13163036
917 BRUCE ROAD 13 Road Native Leased Lands N0H 2L0
$299,900Residential Freehold- Status:
- Active
- MLS® Num:
- X13163036
- Bedrooms:
- 3
- Bathrooms:
- 2
Waterfront living with water views and million-dollar sunsets every night, enjoyed from your front-row seat on the spacious deck, the perfect place to unwind after a day at the beach. This charming 3-bedroom, 1.5-bath leased land cottage is tucked back from the road on a shared driveway, offering a peaceful and private setting surrounded by nature.Inside, you'll find a warm and inviting space that captures the essence of classic cottage living-ideal for family gatherings, weekend escapes, or quiet mornings with coffee in hand. Recent updates include the septic system, newer hot water tank, and well pump, giving you added peace of mind.With easy water access and just minutes to the sandy shores of Sauble Beach and the amenities of Southampton, you get the best of both relaxation and convenience. Whether it's swimming, boating, campfires, or simply soaking in those unforgettable sunsets, this property is ready to become your summer retreat. Turnkey and ready for you to start enjoying the 2026 cottage season-book your private showing today.Yearly land lease $10,700 & yearly service fee $1,300 More detailsListed by Wilfred McIntee & Co Limited- DARYL KING
- RE/MAX HALLMARK REALTY LIMITED
- 1 (905) 9075464
- homes@darylking.com
Data was last updated June 17, 2026 at 06:15 AM (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.