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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1992 Smith Road
53 - Frontenac North Frontenac K0H 1C0

$299,900
Residential Freehold beds: 0 baths: 0.0

Main Photo: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 1: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 2: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 3: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 4: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 5: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 6: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 7: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 8: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 9: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 10: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Photo 11: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
Status:
Active
Prop. Type:
Residential Freehold
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
Property Type:
Residential Freehold
Property Sub Type:
Vacant Land
Lot Size:
10-24.99
Lot Depth:
0'
Lot Frontage:
458'8"
Lot Shape:
Irregular
Direction Faces:
North
Bedrooms:
0
Bathrooms:
0.0
Kitchens:
0
Zoning:
S/R
Alternative Power:
None
Possession Details:
Immediate
HST Applicable To Sale Price:
In Addition To
Taxes:
$728.32 / 2025
Assessment:
$- / -
Frontenac
Frontenac
53 - Frontenac North
Unknown
459'
Other
Direct
Mixed, Natural, Soft Bottom
None
North West
Direct
Year Round Municipal Road
Mississippi River
River
Not Applicable
None
Utilities Cable:
No
Utilities Telephone:
No
Utilities Gas:
No
Utilities Hydro:
No
Utilities Water:
No
Sewers:
No
Special Designation:
Unknown
Central Vacuum:
No
Seller Property Info Statement:
No
Date Listed:
Mar 27, 2026
Original Price:
Previous Price:
  • Photo 1: 1992 Smith Road in Frontenac: 53 - Frontenac North House for sale : MLS®# X12927718
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Listed by BALL REAL ESTATE INC.
Data was last updated April 2, 2026 at 02:47 PM (UTC)
Area Statistics
Listings on market:
11
Avg list price:
$210,000
Min list price:
$129,900
Max list price:
$449,900
Avg days on market:
76
Min days on market:
1
Max days on market:
626
These statistics are generated based on the current listing's property type and located in 53 - Frontenac North. Average values are derived using median calculations. This data is not produced by the MLS® system.
DARYL  KING
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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.

Explore More GTA Homes:

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.