Stone Cottage Ontario (Page 3)

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House for sale: 1127 TONDERN ISLAND Road, Muskoka Lakes

40 photos

$2,775,000

1127 Tondern Island Road, Muskoka Lakes, Ontario P1L 0M7

4 beds
2 baths
Today

HWY 118w to Beaumaris rd. Turn left onto Tondern Island rd & follow to #1127. Welcome to the Heart of Beaumaris - a perfect comprehensive family cottage package nestled on Lake Muskoka in the heart of the Historic finery of Beaumaris centre ice to the coveted and most highly sought after Port

House for sale: 1347 ROSSEAU Road Unit# 10, Utterson

50 photos

$4,199,000

1347 Rosseau Road Unit# 10, Utterson, Ontario P0B 1M0

5 beds
4 baths
15 days

141 Hw to Rosseau Lake Rd 1 Lake house on the stunning lake Rosseau in the world famous Muskoka region. Truly one-of-a-kind cottage with 270 feet of waterfront ,year round access, located on 6.5 acres with a Bunkie, Double slip boat house with a 2000 square foot terrace and spectacular sunset

House for sale: 500 C HAZARD HILL Road, Kearney

40 photos

$1,100,000

500 C Hazard Hill Road, Kearney, Ontario P0A 1M0

4 beds
2 baths
10 days

highway 518 East to island Lake road turn right follow to Hazard Hill Rd turn right follow past boat launch property on left Welcome to your waterfront paradise on a premier nature lover's lake! Nestled in the heart of serene surroundings, this custom-built year round cottage offers the ultimate

House for sale: 1071 BALSAM GROVE ROAD, Kawartha Lakes

30 photos

$749,000

1071 Balsam Grove Road, Kawartha Lakes, Ontario K0M 1G0

3 beds
2 baths
13 days

Indulge in the tranquility and income potential of this 2-storey lakeside cottage on BALSAM LAKE! Tucked away near Rodeo Dr. in Kawartha Lakes, this cottage merges rustic allure with contemporary comfort, presenting an inviting haven for both leisure and investment endeavors. Revel in breathtaking

House for sale: 72291 CLIFFSIDE Drive, Bluewater

39 photos

$729,900

72291 Cliffside Drive, Bluewater, Ontario N0M 1N0

2 beds
2 baths
56 days

North on 21 from Grand Bend (10 minutes) turn left (West) on Cliffside Dr. First-time cottage owner? Start here! This year-round waterfront property, 10 mins from Grand Bend, 5 mins from White Squirrel Golf Club offers, not only enviable nightly sunsets, but proximity to town and local amenities.

House for sale: 1366 BEFORE LONG Lane, Haliburton

43 photos

$899,900

1366 Before Long Lane, Haliburton, Ontario K0M 1S0

3 beds
1 baths
Today

From Haliburton follow County Road 1 to Koshlong Lake Road to Before Long Lane to the end #1366 and SOP The perfect FAMILY cottage. Located on Koshlong Lake and only 10 minutes to the Village of Haliburton this 3 bdrm cottage is a Viceroy style with open KT/LR/DR all with cathedral ceiling

House for sale: 1117 BERT SIMS Road Unit# 5, Muskoka Lakes

40 photos

$899,900

1117 Bert Sims Road Unit# 5, Muskoka Lakes, Ontario P0B 1M0

2 beds
1 baths
29 days

Highway 141 to Fish Hatchery Road. Turn right on Bert Sims Road. Drive 1km to cottage on left (cottage #5 for 1117). SOP. Skeleton Lake getaway! Come see why Skeleton Lake is renowned for its crystal clear waters and easy access from S. Ontario. Situated on both shores of this wooded peninsula,

House for sale: 1289 GRANDPAS Trail, Irondale

49 photos

$999,900

1289 Grandpas Trail, Irondale, Ontario K0M 1X0

3 beds
2 baths
39 days

From Kinmount or Gooderham follow Highway 503 to Irondale Road to Chimo Drive to Grandpa's Trail to SOP Beautifully constructed, decorated and maintained 3 bedroom, 2 bath fully winterized cottage located just outside of Irondale Ontario on Salerno Lake. The cottage is unique with its barn

House for sale: 23 SMITH PINE Crescent, McKellar

49 photos

$979,000

23 Smith Pine Crescent, McKellar, Ontario P2A 0B5

3 beds
1 baths
111 days

Hwy 400 to McDougall Rd, right on Hurdville Rd, left on Burnetts rd, right on Smith Pine Crescent to #23, sign on property. THIS IS A GOOD ONE! (first time offered for sale) We can check all the boxes with this waterfront home/cottage on Manitouwabing Lake in McKellar township. This 3-bedroom,

House for sale: 244 BIRCH ACRES Drive, Honey Harbour

40 photos

$1,699,999

244 Birch Acres Drive, Honey Harbour, Ontario P0E 1E0

5 beds
1 baths
56 days

South Bay Road to Birch Acres Drive to #244 Just 1.5 hours north of the GTA, this property is ready for you to use this summer. This 4 season 3 bedroom cottage/home is located on Birch Acres Drive, a desirable area for executive waterfront homes. The property boasts shallow sandy entry into

31 Bayview RD, Moonbeam

50 photos

$389,000

31 Bayview Rd, Moonbeam, Ontario P0L 1V0

3 beds
1 baths
15 days

From Walker Road turn on Bayview Privacy and space are 2 key ingredients for this waterfront cottage that will allow you and your family ultimate relaxation and creating fund memories along the magnificent Remi Lake. Step inside to discover an impressive living room with soaring ceilings complete

House for sale: 1662 BRADSHAW Road, Tamworth

27 photos

$349,900

1662 Bradshaw Road, Tamworth, Ontario K0K 3G0

0 beds
0 baths
21 days

North of Napanee on County Road 41. Right on County Road 4 (towards Tamworth). Take first left on Bradshaw Road. Follow to end and cottage/island is visible straight ahead. Excellent opportunity to get a waterfront property on Beaver Lake. This property is known as Tucker Island and is only

House for sale: 1087 TORPITT Road, Severn Bridge

48 photos

$2,950,000

1087 Torpitt Road, Severn Bridge, Ontario P0E 1N0

6 beds
3 baths
33 days

Hwy 11 N, exit South Sparrow Rd, take 1st right, come to stop sign & turn left, keep on Sparrow Rd (turns into Torpitt), when you come to big Tory's Landing sign turn right & take 1st left, keep left & arrive at 1087 Torpitt This unique and rare waterfront property consists of a winterized

House for sale: 45 BAYWATCH Drive, Northern Bruce Peninsula

40 photos

$309,000

45 Baywatch Drive, Northern Bruce Peninsula, Ontario N0H 2T0

2 beds
1 baths
27 days

Highway 6 North of Wiarton, continue to Pike Bay Road, turn left, continue on Pike Bay Road, through the left bend, still Pike Bay and turn right, continue to Anchors' Road, and turn left, then left on Baywatch to sign at #45 Baywatch Dr. It's the Cottage! Yes, the cottage! This rustic and

House for sale: 364 ROBERT Lane, Westport

45 photos

$594,900

364 Robert Lane, Westport, Ontario K0G 1X0

3 beds
1 baths
13 days

Follow little Crosby Lake Road to end, and then turn left on Charlie Lane go through gate by barn turn left and follow signs. Waterfront property located just north of Westport. The bright cottage sits proudly on a hill overlooking the pristine waters of Crosby Lake. It has been well maintained

House for sale: 1129 SMITH Lane, Haliburton

23 photos

$725,000

1129 Smith Lane, Haliburton, Ontario K0M 1S0

2 beds
1 baths
32 days

From Haliburton take Highway 118 East to Glamorgan Road 3 to Fallowfield Rd, about 1km down Smith Lane. A beautiful winterized waterfront cottage with year-round access which is a 15 minute drive from Haliburton. Situated on an a flat lot with no stairs to the lake. There is 120 feet of sand

House for sale: 53 DUNCOMBE DR Drive, Coboconk

50 photos

$999,999

53 Duncombe Dr Drive, Coboconk, Ontario K0M 1K0

6 beds
1 baths
8 days

HWY 35 to Everett Rd, Left on Everett, Rt on Duncombe Beautiful and much loved waterfront property with year round road access. Located at the widest part of Gull River just a short ride to the channel into Balsam Lake. Make it your forever home or family cottage. This lovely cottage was built

House for sale: 38 SUMMIT DR, Rosseau

27 photos

$2,950,000

38 Summit Dr, Rosseau, Ontario P0C 1J0

4 beds
2 baths
7 days

Highway 632 to Maplehurst to Summit Drive to #38. Get ready for the summer of 2024 at this idyllic family cottage on coveted Cameron Bay on upper Lake Rosseau! The completely renovated, winterized, two-story retreat offers 4 bedrooms, 2 full bathrooms, and a lower-level family room with

House for sale: 1325 NORDIC Road, Arden

37 photos

$1,089,000

1325 Nordic Road, Arden, Ontario K0H 1B0

3 beds
3 baths
6 days

From Sharbot Lake turn left on Hwy 7 (22.8kms) to Henderson Rd, Turn Rt onto Henderson Rd. (1.0 km) Turn right onto Nordic Road. Kennebec Lake; Welcome to 1325 Nordic Lane where you will be greeted by a newly built 1800 sq ft custom design year-round cottage/home. Located in the Kennebec Shores

House for sale: 250 THOMPSON Avenue, Saugeen Indian Reserve #29

49 photos

$199,000

250 Thompson Avenue, Saugeen Indian Reserve #29, Ontario N0H 2G0

3 beds
1 baths
47 days

FROM BRUCE ROAD 13 TURN WEST ON FRENCH BAY ROAD TO THOMPSON. COTTAGE ON THE CORNER. Welcome to 250 Thompson Avenue! Here you will find a very well maintained, 3 bedroom cottage that is a short stroll to sandy, French Bay beach. This affordable cottage comes furnished as viewed, and ready for

House for sale: 420 MALLORY BEACH Road, South Bruce Peninsula

43 photos

$1,549,000

420 Mallory Beach Road, South Bruce Peninsula, Ontario N0H 2T0

4 beds
3 baths
19 days

North on Hwy 6 to Bruce Rd 9, right onto Bruce Rd 9 follow to Mallory Beach Rd. Follow Mallory Beach Rd to #420 on right. Welcome to your dream waterfront retreat! This charming cottage boasts 4 bedrooms, 3 bathrooms, and a host of delightful features that make it the perfect sanctuary for

House for sale: 1805 PENINSULA Road Unit# 225, Port Carling

50 photos

$6,250,000

1805 Peninsula Road Unit# 225, Port Carling, Ontario P0B 1J0

4 beds
3 baths
95 days

Follow Muskoka Rd 169/Muskoka District Road 169 and Muskoka District Road 118 W to Peninsula Rd/Muskoka District Road 7 in Port Carling. Discover serenity at this exquisite lakeside haven on the shores of Lake Joseph near Minett. With 2.56 acres of lush Muskoka landscape and 245 feet of waterfront,

House for sale: 83815A DICKSON Street, Ashfield-Colborne-Wawanosh

34 photos

$999,000

83815a Dickson Street, Ashfield-Colborne-Wawanosh, Ontario N7A 3X9

3 beds
1 baths
62 days

Take Hwy 21 N from Port Albert, turn West onto Maple-Cedar Grove Rd, then left onto James St., then right onto Dickson St. The property is second on the lake side. Wow! This is true lakefront living at its best! This fabulous cottage is virtually lake level on one of the nicest, wide sandy

House for sale: 1786 NORTH CREEK Drive, Dorset

50 photos

$599,900

1786 North Creek Drive, Dorset, Ontario P0A 1E0

0 beds
1 baths
12 days

Highway 35 to Kawagama Lake Rd to Livingstone Lk Rd to McClintock Rd to North Creek Drive First-time offered, charming & traditional family cottage on Fletcher Bay’s north shore of Kawagama Lake, the largest lake in Haliburton, located only 15 minutes from the popular town of Dorset. This

House for sale: 6 SUNDOWN Road, Seguin

49 photos

$1,349,000

6 Sundown Road, Seguin, Ontario P2A 2W8

2 beds
1 baths
6 days

HWY 141 to Crescentwood Road to Sundown Road to #6.SOP. Introducing the Holiday House located on coveted Big Whitefish Lake. This turn key property is where rustic charm meets enchanting lakeside retreat. Tucked away amidst towering pines, boasting incredible western views, with 160 feet of

House for sale: 27 LOWER Lane, Seguin

36 photos

$899,000

27 Lower Lane, Seguin, Ontario P2A 0B2

3 beds
1 baths
19 days

OASTLER PARK DRIVE TO JAMES BAY JUNCTION ROAD TO BLUE LAKE ROAD TO SALMON LAKE ROAD TO SECOND LINE TO LOWER LANE #27 Set in a quiet bay on Otter Lake with over 400' of level shoreline and 2 acres of privacy, sits this 3 bedroom cottage. The nicely tiered lot features a great level fire pit

House for sale: 76 HUNTS Road, Huntsville

30 photos

$1,199,999

76 Hunts Road, Huntsville, Ontario P1H 2J4

5 beds
3 baths
54 days

From Highway 11 North, Take exit on the right to North Waseosa Lake Rd/ Rockhaven Rd, Turn left onto North Waseosa Lake Rd, Turn right onto Hunts Rd, Property on left hand side. Sign on Property. Introducing a serene waterfront retreat on Palette Lake! This small, unrestricted lake allows for

House for sale: 153 THIRD CONCESSION Road, Greater Napanee

50 photos

$595,000

153 Third Concession Road, Greater Napanee, Ontario K7R 3K7

2 beds
1 baths
40 days

South on Cty Rd 8, right on Cty Rd 8, right on South Shore Rd, left on Third Concession. Welcome to your own peaceful waterfront retreat on Hay Bay! This sweet 3 bedroom, 1 bathroom cottage is the perfect opportunity to create lasting memories with your loved ones. With just over 180 feet of

House for sale: 1034 CANNING HEIGHTS Road, Minden Hills

40 photos

$1,249,000

1034 Canning Heights Road, Minden Hills, Ontario K0M 2K0

3 beds
2 baths
20 days

NORTH ON 21. RIGHT ON KASHAGAWIGAMOG LAKE ROAD, RIGHT INGOLDSBY ROAD (COUNTY ROAD 17). RIGHT ONTO DUGAN ROAD, STAY STRAIGHT ONTO CANNING HEIGHTS ROAD, GO STRAIGHT, PROPERTY IS FIRST DRIVEWAY ON YOUR RIGHT, LOOK FOR STONE PILLARS AT TOP OF DRIVEWAY Nestled amongst mature trees, this four season

House for sale: 9 MOUNTAIN VIEW Road, Massey

34 photos

$459,900

9 Mountain View Road, Massey, Ontario P0P 1P0

3 beds
1 baths
18 days

Lee Valley from either Massey or Espanola, to Cutler Lake Rd. Stay right on Watson, then on Mountain View. Ultra-private, off-grid retreat on Cutler Lake, with 275 feet of shoreline and over 2.5 leafy acres! This rare cottage offering is a sanctuary for those looking to get away from it all,

House for sale: 1202 TWIST Lane, Irondale

40 photos

$677,950

1202 Twist Lane, Irondale, Ontario K0M 1X0

3 beds
1 baths
3 days

From Irondale, Ontario following Irondale Road to Salerno Lake Road to Twist Lane to 1202 SOP A very old days traditional style 3 bedroom family cottage built in 1971 on popular Salerno Lake holding lots of memories & LOADS of charm! Showing a pride of ownership throughout including the large

House for sale: 59 DEERFIELD Road, McKellar

42 photos

$849,000

59 Deerfield Road, McKellar, Ontario P2A 0B4

3 beds
1 baths
25 days

Hwy. 400N; Hwy 124E; Right on McKellar Boundary Rd; Left on Deerfield Rd; Follow to the end as the lot numbers are not in order from #57-59. S.O.P. Welcome to your serene getaway on Lake Manitouwabing! This charming waterfront 3-season cottage offers the perfect retreat for those seeking tranquility

House for sale: 584 WARNER BAY Road, Tobermory

50 photos

$1,599,000

584 Warner Bay Road, Tobermory, Ontario N0H 2R0

3 beds
3 baths
56 days

Hwy 6 north towards Tobermory, Turn left onto Warner Bay rd, stay left at bottom of hill (turtle pond), follow approx 1 km to fire # 584 on right side, turn right into shared laneway, first driveway on the left. Private Waterfront Cottage on Warner Bay situated on 4.8 acres. Boasting 216' of

House for sale: 15 3RD Avenue, South Bruce Peninsula

50 photos

$349,000

15 3rd Avenue, South Bruce Peninsula, Ontario N0H 2T0

2 beds
1 baths
71 days

NORTH ON HIGHWAY 6 THROUGH WIARTON RIGHT ON BRUCE COUNTY RD 9 TO MALLORY BEACH ROAD TO 3 AVE LEFT ON 3RD AVE TO #15, WATCH FOR SIGNS. A GEM, as referred to by Family and friends. This beautiful, cute and cozy 3 season cottage has been meticulously upgraded and lovingly cared for with pride

House for sale: 3 KEELE Road, Whitestone

50 photos

$579,000

3 Keele Road, Whitestone, Ontario P0A 1G0

2 beds
1 baths
54 days

Hwy 400 to Hwy 124 to Hwy 520 to Maple Island Rd, to Ladds Rd to Keele Rd to #3 on right. SOP 145' WATERFRONT on DEER RIVER! Over 2 ACRES of PRIVACY! AFFORDABLE 'TURNKEY' COTTAGE! 2 BEDROOMS + SUNROOM! Year round access, Cozy pine lined interior, Open concept design ideal for family gatherings,

House for sale: 79 COUNTRY Lane, Seguin

48 photos

$849,000

79 Country Lane, Seguin, Ontario P2A 2W8

2 beds
2 baths
56 days

Highway 400 to exit 214, Seguin trail to Country Lane to #79 S.O.P Welcome to your paradise on Horseshoe Lake. A 2-hour drive north from the GTA awaits your peaceful escape. Relaxation begins with a scenic drive through the forest along the Seguin Trail to Country Lane guiding you to your destination

House for sale: 710 WEST Road, Northern Bruce Peninsula

45 photos

$388,000

710 West Road, Northern Bruce Peninsula, Ontario N0H 1X0

2 beds
1 baths
6 days

Head North on Highway 6, Turn left onto Pike Bay Road, Turn left onto West Road, #710 West Road Nestled on a sprawling ~0.7 acre property this home or cottage promises an idyllic escape from the bustle of everyday life! Enter through the tall mature hedge line that provides wonderful privacy

34 Four Seasons DR, Goulais River

36 photos

$299,900

34 Four Seasons Dr, Goulais River, Ontario P0S 1E0

3 beds
1 baths
19 days

The fire number at the road is 1536. Google maps will take you to 34 Four Seasons Drive. Escape to your own piece of paradise with this beautiful 7-year-old waterfront cottage nestled on the shores of Lake Superior. Located on Four Seasons Drive, just 45 minutes from Sault Ste. Marie, this

House for sale: 1287 HAMILTON Road, Minden Hills

32 photos

$479,000

1287 Hamilton Road, Minden Hills, Ontario K0M 2K0

3 beds
1 baths
33 days

Hwy 35 to South Lake Rd, turn right on Hamilton Road to 1287 Hamilton Rd SOP. The perfect year-round cottage without waterfront prices! This adorable cottage sits across the road from South Lake, a lovely lake just outside of the town of Minden. Cottage has shared deeded access within a quick

House for sale: 3 HORSESHOE BAY Road, Dunnville

23 photos

$824,000

3 Horseshoe Bay Road, Dunnville, Ontario N1A 2W8

3 beds
2 baths
40 days

RURAL Wonderful Lake Erie waterfront property with concrete break-wall. Cozy 3 bedroom 1 bathroom cottage located on a large 80 x 257 lot. Full sized septic system installed 2012. 2015 cottage roof shingled, block/pier foundation repointed, and drainage system install to ensure no water under

House for sale: 86 LYNX Drive, Kearney

45 photos

$1,099,000

86 Lynx Drive, Kearney, Ontario P0A 1M0

3 beds
2 baths
36 days

Sunrise Drive & Lynx Drive Welcome to a slice of waterfront heaven where the beauty of North Muskoka cottage charm meets the tranquility of gentle waves lapping at your private shoreline. Picture-perfect stone cladding and a welcoming verandah set the scene for endless outdoor enjoyment, inviting

House for sale: 1104 DEERFLY Drive, Gravenhurst

50 photos

$3,225,000

1104 Deerfly Drive, Gravenhurst, Ontario P1P 1R3

6 beds
4 baths
62 days

From the North - HWY 11 to Doe Lake Rd. Gravenhurst to Housey Rapids Rd. to Towbridge to Deerfly. From the South - HWY 11 to Cooper's Falls Rd. at Washago to Housey Rapids Rd. to Towbridge to Deerfly. Custom Built (2021) luxury family compound on Riley Lake. Amazing property with 254 feet

House for sale: 150 MOORE Street, Lion's Head

47 photos

$859,000

150 Moore Street, Lion's Head, Ontario N0H 1W0

4 beds
2 baths
11 days

Main Street in Lion's Head, to Moore Street to signs at #150. Water view of Georgian Bay! This contemporary designed custom built - four bedroom, two bath four season cottage located on exclusive Moore Street in Lion's Head. Gorgeous views of the bay and cape to cape escarpment. Cottage shows

House for sale: 293 GOLD DUST Lane, Hartington

50 photos

$499,900

293 Gold Dust Lane, Hartington, Ontario K0H 1W0

3 beds
1 baths
60 days

JAMES WILSON ROAD TO STEVE BABCOCK ROAD TO GOLD DUST LANE (THROUGH METAL GATE) TO NUMBER 293. WHAT3WORDS LOCATION ""///drone.paint.handhelds"" Escape from the chaos of the modern world and immerse yourself in the tranquility of nature with this off-the-grid cottage nestled on the shores of

House for sale: 426 HURON Road, Red Bay

50 photos

$480,000

426 Huron Road, Red Bay, Ontario N0H 2T0

2 beds
1 baths
120 days

#426 Huron Road, Red Bay, Ontario RED BAY RED ROOF! Here is your chance to get in the market in Red Bay just north of Sauble Beach, known for its stunning sunsets, warm sandy beach, great for families with a small park and washroom. Family fun starts here!! Home/cottage, 2 bedrooms (each

House for sale: 502417 GREY ROAD 1, Georgian Bluffs

29 photos

$785,000

502417 Grey Road 1, Georgian Bluffs, Ontario N0H 2T0

2 beds
1 baths
12 days

From Wiarton east on Frank Street to Grey Road 1 proceed to #502417 just past Wiarton Golf Course watch for signs. Georgian Bay Waterfront four season cottage ideally located close to Wiarton & Big Bay and directly across the road from the first green of the Wiarton Bluffs golf course. Sitting

024 LEC, Dubreuilville

25 photos

$269,900

024 Lec, Dubreuilville, Ontario P0S 1G0

6 beds
2 baths
89 days

FROM HWY 17 AT THE HWY 519 TURN OFF TO DUBREUILVILLE, 27 KM IN TO CAMP ROAD TURN OFF. DIRECTIONAL SIGN PRESENT. 15KM DRIVE IN ACCESSIBLE - TO THE END. DO NOT TURN OFF THE MAIN RD. SECOND LAST CAMP. Gather your friends and family and retreat to Northern Ontario in this beautiful one of kind

House for sale: 6274 SPRUCE Street, Ipperwash

42 photos

$1,500,000

6274 Spruce Street, Ipperwash, Ontario N0N 1J0

5 beds
4 baths
28 days

London road, turn down Short Street and Left on Spruce Street Wow! TWO year round cottages on Massive 50’ x 510’ lot right on the shores of Lake Huron on Ipperwash Beach. Over $120k in recent upgrades creating an exceptional lakefront oasis. Live in one cottage & rent the other for

House for sale: 3 ECHO LAKE Ridge, Sharbot Lake

22 photos

$359,000

3 Echo Lake Ridge, Sharbot Lake, Ontario K0H 2K0

0 beds
0 baths
35 days

Hwy 38, left on Bellrock Rd, right on Church Rd, right on Ninth Concession Rd, right onto Mary Moore Rd, left onto Fourth Lake Rd, continued on realtor remarks The most frustrating part of finding the right cottage isn’t finding the right building, it’s finding the right piece of

House for sale: 35 CAMPUS Place, Innisfil

23 photos

$899,000

35 Campus Place, Innisfil, Ontario L9S 2R7

3 beds
1 baths
13 days

Big Bay Point Rd/Sunnypoint Dr/Campus Pl RARELY OFFERED COTTAGE RETREAT WITH DEEDED ACCESS TO LAKE SIMCOE & PREMIUM UPGRADES! This waterfront retreat is on the exclusive and rarely offered Campus at Big Bay Point in Innisfil. In addition to the ownership of the cottage you have shared ownership