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Cottage Life

Buy the Way: This family saved money by buying land and building a yurt

The backstory: Toronto couple Brady Del Rosario and Claire Dagenais have always felt at home in a rural setting. While they both grew up in the GTA, Claire, a 37-year-old events and administrative consultant, often stayed at her grandmother’s farm in Bas-Saint-Laurent, Que., while Brady, a 39-year-old architect, was a regular at his grandfather’s trailer in the Ottawa Valley.

After their daughters Gabrielle, 8, and Cosette, 5, were born, Brady and Claire were eager to share similar experiences with them. “We’d go camping most summers, but we wanted a place of our own we could use year-round,” says Claire. In 2019, the family began searching for properties within a three-hour drive of Toronto. Also on their checklist: an acre of land and water access.

The compromise: With a roughly $200,000 budget, the family was priced out of Muskoka and the Kawarthas, where cottages and vacant lots started at almost $400,000. When the pandemic struck, prices soared even higher as demand for recreational properties skyrocketed. The family considered cheaper empty lots—even if they couldn’t afford to build a cottage on one quite yet. “We figured this was our last chance to get our foot in the door,” says Brady. “We decided to buy land so we could eventually build the cottage of our dreams.”

In the spring of 2020, the family booked a few viewings of vacant lots in Marmora, Ont., a small community located nearly two and a half hours east of Toronto. They fell in love with Marmora’s pristine farmland and majestic pine forests. That May, they found a wooded two-acre lot a short drive from town. They bought it for $150,000—slightly under the asking price—the following month. 

The family debated several affordable short-term building options, including bunkies and treehouses. “But then we thought, why not a yurt?” says Claire. In 2019, the family had rented a yurt during
a trip to Pinery Provincial Park in Grand Bend, Ont. They appreciated how a yurt required less upkeep than a cabin and offered more living space and protection from the elements than a tent.

In the summer of 2020, they purchased a DIY kit from Yurta, a company based in Greenwood, Ont. Over the next four months, the family regularly drove up to their property. Claire and the girls cleared branches and rocks off the land, and she and Brady built a deck to serve as the yurt’s foundation. The family assembled the 226-sq. ft. yurt on the deck soon after. That winter, they added a woodstove and stainless-steel chimney. All told, the yurt, deck, building supplies, and furnishings cost around $30,000. “Building the deck was a lot of effort, but working on our yurt together became a special bonding time for us,” says Brady.

The silver lining: Claire and Brady plan on building a permanent cottage within the next 10 years. But for the time being, the family is enjoying the yurt. They have since made the trek there at least once a month. During those visits, Gabrielle and Cosette can be found swinging in hammocks or on birdwatching expeditions in their little neck of the woods. “Our yurt has made us realize we won’t need a showstopping lakeside cottage,” says Claire.

Owner Advice: Is a yurt right for you?

You get a yurt for a fraction of the cost of a cottage
Starting from as low as $11,000, yurts offer an affordable point of entry for families with modest budgets. “Yurts are also expandable,” says Brady. “If you want more square footage, it’s just a
matter of adding some carpentry and fabric.”

If you aren’t a DIYer, yurts might not be the best option for you
Brady and Claire erected their yurt in a day, but building its foundations and flooring required months of work. If you aren’t handy with a power saw, and Ikea furniture assembly gives you nightmares, the added cost of hiring a contractor could make the project unfeasible. 

Yurts offer versatility and adaptability
Lightweight and collapsible, yurts can be packed into a trailer or moved around a property. “We built ours on a floating deck with adjustable footings,” says Brady. That makes yurts perfect for families with evolving plans. For example, Claire and Brady aim to use theirs as a guest house in the back half of their land once their cottage is built. 

Yurts aren’t ideal for the winter months
“Our yurt’s woodstove keeps us surprisingly warm, but we wouldn’t want to spend the night if temperatures dropped below -15°C,” says Claire. And since their yurt doesn’t have plumbing, the family uses a camping toilet inside a separate tent.

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Cottage Life

Buying a vacant lot or a teardown? The pros and cons

Whether you’ve been priced out of the market for turnkey cottages or just frustrated that you haven’t been able to find your dream cottage, you might be considering starting from scratch with a teardown or buying a vacant lot. There are pros and cons to both options.

Location, location, location

“The best waterfront lots have already been sold and developed,” says Chris Winney, a real estate broker in the Land ‘O Lakes area, who sold more than a dozen vacant lots in 2021. If you’re buying a vacant lot, you might have to forgo those west-facing sunset views, the gently sloping and weed-free shoreline, and easy access to town and other amenities.

There are some prime lots that occasionally come up but the further afield you’re willing to travel the easier it will be to find an unspoiled plot of land that ticks off all your boxes.

When you do find a suitable lot, your biggest expense may not be the price of the land. If the site isn’t already serviced, you’ll need power, a water source, a sewage system, and road access.

Depending how far the lot is from existing hydro lines, the cost to run power to your new property can run into the tens of thousands of dollars. In 2021, one couple made the news when they were quoted $60,000 to run a line from the nearest existing pole, 440 metres away from the Minden-area dream home they’d constructed on a vacant lot.

One alternative would be to go off-grid with renewable energy, but you’ll need to invest in battery storage and perhaps even a backup generator in case the system is drained. Both will add substantial costs to your budget.

You’ll also have to install a septic system, drill a well or install a water purification system for water drawn from the lake, and if there isn’t already a road leading directly to the property you’ll have to enquire with the municipality to see if you’re allowed to have one built.

You should also know that financing a vacant lot can be difficult. Most traditional lenders will not give a mortgage for vacant land. If you have equity in your home, you might be able to fund the purchase with a line of credit. If not, you’ll have to turn to private lenders for a loan at significantly higher interest rates than a standard mortgage.

Budgeting for a teardown

The main advantage to buying a teardown is that the hydro, water, sewage system, and road access are likely already in place. But there are still potential costs to consider.

For one, in the purchase price you’ll be paying for a building you have no intention of using. Plus, you’ll have to pay for the demolition of the original structure and disposing of the debris. If toxic materials such as asbestos or lead paint are found inside, this will increase the removal costs. If the property is water access, you’ll need to factor in renting a barge to haul in equipment and haul out the trash.

Before you put in an offer, contact the local municipality to find out if there any restrictions that would impact your planned structure. And don’t assume you can simply rebuild on the existing footprint. Some municipalities require new buildings to meet current zoning setbacks.

You may also have to replace the existing septic system, particularly if your new structure expands on the original square footage and number of bathroom fixtures.

Patience is a virtue

Whichever route you choose, Winney points out that with current building conditions you’ll have to be patient. Most reputable builders are booking contracts a year or two out and ongoing supply chain issues mean that almost everything you’ll need to build a cottage will take longer than usual to order.

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Cottage Life

A guide to buying and building on Crown land in Ontario

Location is everything for cottagers, and choosing the spot for your home away from home is a big deal. But, no need to fret–-we have a solution for you. Have you tried exploring public land? Eighty-seven per cent of the province is Crown land, managed by the Ministry of Northern Development, Mines, Natural Resources and Forestry. While there can be a lengthy process in place, it may be worth taking a peek into what Ontario has to offer. Cottagers can find Crown land location, policies, and amendments through the Crown Land Use Policy Atlas. This map represents more than 39 million hectares of land and water. 

So, you are interested in buying Crown land. Here’s everything you need to know. 

According to the ministry, it “will consider selling public land for residential and cottage development within municipal boundaries. Land is sold to the municipality or a developer working closely with the municipality.” Interested individuals would then purchase the Crown land from the municipality. 

But, wait! What’s the catch?

There may be conditions, restrictions, and prioritizations. Requests to buy Crown land are decided on a case-to-case basis. Crown land is sold at market value. Before selling, the ministry considers everything from economic advancement and environmental impact, to Indigenous consultation. Applications are subject to legislation, provincial policies, and planning direction. For those with specific questions, contact your local district office.

What is the process for buying Crown land?

A guide to cottage lot development on Crown land highlights the steps a municipality takes. It leads public consultations, often speaking with Indigenous communities, sustainable forest licensees, the public, various entities (trappers, baitfish harvesters, resources-based tourism operators, bear management area operators, etc.), government ministries, and other municipalities. An environmental assessment will follow, leading to a disposition review period, where the application will be approved or denied. 

After the municipality has acquired the land, individuals may purchase it directly from the municipality. 

What can I do with my property once I get Crown land?

You will need a Crown land-specific work permit. You’ll need one if you want to work on an erosion control structure, determine the placement of fill on shore lands, create or expand a dredge, construct a building, road, trail, or watercross, and remove native aquatic vegetation in certain areas.

There are some activities where you are not required to have a work permit. Such activities include minor road maintenance, placing a registered ice hut on ice, installing a waterline, servicing cable or heat loop for residential use, removing a dock or boat house, and constructing or placing structures that are in contact with 15 square meters or less of the shore lands.

See Crown land work permits for more information.

Let’s get to the nitty-gritty. What other regulations will I need to follow?

If a municipality chooses to sell Crown land for private use, then you’ll of course have to comply with local planning regulations, the Ontario Building Code, and potential provincial and municipal inspections.

Unfortunately, there isn’t a guaranteed timeline for these compliance measures. It’s best to speak with your local district office or municipality to better understand the process.

When you’re ready to build that cottage, don’t forget to check out Cottage Life’s Project Plans for everything from simple weekend DIYs to more detailed builds.