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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1280 GALT Street

58 - Greater Napanee Greater Napanee K0H 1G0

$299,900

Residential Freehold beds: 3 baths: 0.0

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• Details
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Status:

Active Under Contract

Prop. Type:

Residential Freehold

MLS® Num:

X14085314

Bedrooms:

3

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This 2 storey off grid cottage is a true gem nestled on roughly 4 acres of stunning flat land, surrounded by an abundance of mature beautiful trees that create a serene and picturesque ambiance. Boasting roughly 800 feet of waterfront on Hay Bay, this property offers an unparalleled opportunity for nature lovers to immerse themselves in tranquility, privacy and seclusion, making it an ideal getaway for spending quality time with family and friends. The cottage itself is a haven of natural light, thanks to its large windows that provide breathtaking views of the expansive property and sparkling waters. The open layout of the kitchen, dining room, and living area offers ample space for hosting gatherings, ensuring everyone feels comfortable and at ease. Additionally, on the lower level you will find two cozy bedrooms, providing comfortable accommodations. Ascend to the second level, and you will discover a generously sized primary room, offering tranquility for the lucky owners of this private property. Outside, the vast expanse of flat land offers endless possibilities for outdoor activities such as gardening, playing sports, or simply taking leisurely strolls to appreciate the beauty of nature. Additionally, the property's extensive waterfront provides the perfect opportunity for water-based adventures like boating, fishing, or simply basking in the sun. Fridge, stove, and lights all run off of propane. There is a dug well for water. This cottage provides the unique opportunity to disconnect from the hustle and bustle of city life! Call today!

General Info:

Under Contract:

Propane Tank

Property Type:

Residential Freehold

Property Sub Type:

Detached

Property Attached:

Yes

Home Style:

2-Storey

Approx. Age:

51-99

Total Approx Floor Area:

700-1100

Lot Size:

2-4.99

Lot Depth:

257'10½"78.6 m

Lot Frontage:

2000'610 m

Lot Details:

x

Topography:

Rolling

Direction Faces:

West

Bedrooms:

3+0

Bathrooms:

0.0

Water supply:

None

Kitchens:

1

Kitchens in Basement:

0

Bedrooms Above Grade:

3

Bedrooms Below Grade:

0

Kitchens Above Grade:

1

Rooms Above Grade:

7

Rooms Below Grade:

0

Rooms:

7

Zoning:

EP/PA

Additional Info:

Heating type:

Other

Heating Fuel:

Wood

Fireplaces:

0

Cooling:

No

Foundation:

Slab, Unknown

Roof:

Metal

Basement:

None

Fireplace/Stove:

No

Alternative Power:

Unknown

Garage:

None

Garage Spaces:

0.0

Other Structures:

Shed

Parking Features:

Front Yard Parking

Parking Spaces:

10

Total Parking Spaces:

10.0

Rural services:

Off Grid

Family Room:

Yes

Possession Details:

TBD

Pool:

None

Link:

No

Financial Info:

HST Applicable To Sale Price:

Included In

Taxes:

$2,300.6 / 2026

Assessment:

$- / -

County:

Lennox & Addington

Listing Area:

Greater Napanee

Listing Sub-Area:

58 - Greater Napanee

Property Features / Area Influences:

Lake/Pond

Interior Features:

None

Exterior Features:

Deck, Privacy

Easement/ Restrictions:

Unknown

Rental Items:

Propane Tank

Exterior Finish:

Vinyl Siding

Elevator:

No

Water Frontage:

2625'800 m

Waterfront Features:

Dock, Waterfront-Deeded Access

Waterfront:

Direct

Shoreline:

Unknown, Natural

Shoreline Allowance:

Not Owned

View:

Pasture, Bay, Trees/Woods

Water View:

Direct

Access to property:

R.O.W. (Deeded)

Water Body Name:

Hay Bay

Water Body Type:

Bay

Waterfront Accessory Buildings:

Not Applicable

Docking Type:

Private

Room Information:

Floor

Type

Size

Other

Main

Kitchen

13'9"4.19 m × 9'2"2.79 m

Main

Dining Room

13'9"4.19 m × 7'10⅞"2.41 m

Main

Living Room

13'9"4.19 m × 8'4"2.54 m

Main

Family Room

13'9"4.19 m × 9'7"2.92 m

Main

Bedroom

14'5"4.39 m × 10'5"3.18 m

Main

Bedroom

14'5"4.39 m × 7'10"2.39 m

Second

Primary Bedroom

18'8"5.69 m × 14'5"4.39 m

Other Details:

Water Supply Types:

Dug Well

Sewage:

Privy

Special Designation:

Unknown

Sewers:

None

Air Conditioning:

None

Central Vacuum:

No

Seller Property Info Statement:

No

Listing Info:

Date Listed:

Oct 16, 2026

Original Price:

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Previous Price:

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Listed by MCCAFFREY REALTY INC., BROKERAGE

Data was last updated November 2, 2026 at 05:15 PM (UTC)

Area Statistics

Listings on market:

113

Avg list price:

$619,900

Min list price:

$289,000

Max list price:

$4,999,000

Avg days on market:

54

Min days on market:

3

Max days on market:

537

These statistics are generated based on the current listing's property type and located in 58 - Greater Napanee. Average values are derived using median calculations. This data is not produced by the MLS® system.

Get market change alerts

• 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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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.