Custom Home Builder Ontario — Build on Your Own Lot
Custom home builder Ontario buyers can hire province-wide: My Own Cottage Inc. is an HCRA-licensed, Tarion-enrolled prefab home and cottage builder based in Orillia, Ontario. We deliver anywhere in Ontario.
The model price covers structure and delivery; foundation, site preparation, servicing, permits, municipal charges and turnkey finishing are quoted separately against your lot.
Bring us your lot: what fits, what it needs and what it will cost, before you commit to a design.
- 33Home designs
- 505–3,373Square feet
- Ontario-wideDelivery
- $229,500Preconfigured from
- HCRA-licensed
- Tarion-enrolled
- Look us up by company name in the Ontario Builder Directory
You own the land, or you are close to buying it, and you want a year-round primary residence rather than a seasonal place. What you want next is a builder who will tell you what the number covers before you are three meetings deep.
- I own a lotSee what your municipality setsDevelopment charges, permit fees and zoning change at every municipal boundary.Find your municipality
- I’m choosing a designBrowse 33 home designsFrom 505 to 3,373 sq ft, each with its starting figure.View all home designs
- I want a numberGet a scoped quoteFoundation, site preparation, servicing and permits, priced against your lot.Get a scoped quote
Our preconfigured designs run from 505 to 3,373 sq ft, with a preconfigured model starting at $229,500. Designs include the Fox Den, Orchard, Solaris, Excelsior, Woodside and Water’s Edge. You can browse every layout and its starting figure, or bring your own home design to the free consultation.
My Own Cottage · 12 Lankin Blvd #3, Orillia, ON L3V 7B6 · 1 (705) 345-9337
The consultation is free and carries no obligation.
Key takeaways
- My Own Cottage Inc. is an HCRA-licensed, Tarion-enrolled prefab home and cottage builder based in Orillia, Ontario.
- We deliver prefab homes anywhere in Ontario.
- The catalogue holds preconfigured custom homes from 505 to 3,373 sq ft, starting at $229,500 for a preconfigured model.
- The model price covers structure and delivery only.
- Foundation, site preparation, servicing, permits, municipal charges and turnkey finishing sit outside the model price and are quoted separately against your lot.
- Foundation, site preparation and servicing are carried out by licensed-trade installation affiliates — contracted trades rather than employees — set in the agreement before the build.
Custom Home Builder Ontario: What the Offer Covers
What does the model price include?
The model price covers structure and delivery. You choose one of our preconfigured factory-built homes or work with us on custom home build plans, and that design is what the starting figure is attached to. Customization moves that figure.
Prefab homes, modular homes and factory-built homes are three names for the same thing.
My Own Cottage helps with municipal permits.
What is quoted separately?
Six things sit outside the model price. Each one depends on your lot, so none of them can be priced from a catalogue.
| Cost item | Where it sits | Why it sits there |
|---|---|---|
| The preconfigured or custom home itself | Included in the model price | Fixed by the design you choose |
| Delivery to your lot | Included in the model price | Not a separate site charge |
| Foundation | Quoted separately | Depends on soil, grade and the design |
| Site preparation | Quoted separately | Depends on access, clearing and grading |
| Servicing | Quoted separately | Utility connections differ on every lot |
| Building permit | Quoted separately | Set by your municipality, not by us |
| Municipal charges | Quoted separately | Set by your municipality, not by us |
| Turnkey finishing | Quoted separately | Depends on the home finishes you choose |
You get those numbers as a scoped quote, not as an allowance. The quote is written against your specific lot and settled in the agreement before the build starts.
You have seen the exclusions. The next step is a quote that prices them against your actual lot.
Who carries out the work on your lot?
Foundation, site preparation and servicing are carried out by licensed-trade installation affiliates. They are contracted trades, not employees, and they are licensed trades in their own right.
Servicing is quoted against your lot because no two lots connect the same way.
Their work is quoted separately and set in the agreement before the build. You are not left to find a foundation contractor on your own after delivery.
Is delivery an extra cost?
Delivery to your lot is inside the model price. You will not see it appear later as a separate site charge, and you will not be asked to arrange it.
That number does not move with your lot. Everything in the quoted-separately column above does.
Where in Ontario Do We Build Custom Homes?
Do you build in my part of Ontario?
Yes. My Own Cottage Inc. delivers anywhere in Ontario, and our licensed-trade installation affiliates cover every region of the province.
That is a statement about the whole service, not only delivery. Wherever your lot sits, the foundation, site preparation and servicing are carried out by contracted trades and quoted against that lot.
For a lot in the Town of Bracebridge, start with our page on custom homes Bracebridge. The Bracebridge page lists the five wards we deliver to and how servicing differs between in-town and rural lots.
Your lot does not need a town page below for us to build there. Bring the address to the free consultation.
Where do the figures for your municipality live?
On the page for your town. Development charges, building permit fees and zoning by-laws are set municipally, so they change at every municipal boundary, and no builder can give you one number for the province.
City of Orillia
The development charge, the approval sequence and what changes at the city limit
custom home builders OrilliaTown of Collingwood
Development charges from four bodies, building permit fees and the approval sequence. A “Collingwood” address can sit in the Town of The Blue Mountains.
new home builders CollingwoodTown of New Tecumseth: Alliston, Beeton or Tottenham
Town, County of Simcoe and school-board development charges on serviced and rural lots, the building permit fee per square foot, who approves the septic, the demolition credit on a replacement house, and whether the NVCA or LSRCA regulates the lot
custom home builders AllistonCity of Peterborough or Peterborough County
Building permit fees for the City and all eight townships, development charges from the City, the County and each township, who approves the septic, and when Otonabee or Kawartha Conservation reviews the lot
custom home builders PeterboroughCity of Kawartha Lakes, including Lindsay, Bobcaygeon and Fenelon Falls
City development charges by service area, building and septic permit fees, which of the City’s 19 zoning by-laws applies, why the building permit application goes in before the septic permit, and which of four conservation authorities reviews the lot. Selwyn, Trent Lakes and Cavan Monaghan are in Peterborough County instead.
custom home builders Kawartha LakesCity of Belleville
Urban and rural rates under the by-law replaced in September 2026, the permit fee basis and the approval sequence
Belleville Ontario home buildersKingston, South Frontenac, Loyalist Township or Greater Napanee
Who issues the building permit and septic approval, and when a conservation authority permit comes first
Kingston Ontario custom home buildersCity of Ottawa, rural or village lot
The septic permit, where site plan control applies, which zoning by-law governs while appeals are resolved, and who does what on the lot
custom home builders OttawaCity of Toronto, teardown and rebuild
The permit order, the two-year demolition condition, charges on a replacement house and the demolition credit. Other GTA municipalities set their own.
custom home builders TorontoTown of Aurora, York Region
Town, York Region and school-board development charges, the building permit fee per square metre, the minor variance or rezoning a new house needs on some Oak Ridges Moraine lots, and whether LSRCA or TRCA regulates the lot
custom home builders Aurora OntarioCity of Oshawa, Durham Region
City, Region of Durham and school-board development charges, which Region water and sewer charges apply on a lot without municipal services, the building permit fee per square metre, why the City rather than Durham Region Health approves the septic, and when a Central Lake Ontario Conservation or Ministry of Transportation permit is also needed. Ajax, Whitby, Clarington and the other Durham municipalities set their own.
custom home builders OshawaCity of Hamilton
The development charge by servicing area, which of four conservation authorities governs your lot, and which zoning by-law applies
Hamilton custom home buildersNiagara Region
Region, local and school-board charges, the conservation, Escarpment and Greenbelt checks, and who issues the septic permit
custom home builders NiagaraDistrict of Muskoka
Which of the six area municipalities your lot is in, what each charges, and the District charge on top
Muskoka home buildersTown of Huntsville, including Port Sydney, Utterson and Hidden Valley
The Town and District charges on serviced and rural lots, the building permit fee formula, the septic approval that comes before the house permit, and when a lot needs a Community Planning Permit
custom home builders Huntsville OntarioTown of Bracebridge
The five wards we deliver to and how servicing differs between in-town and rural lots
custom homes Bracebridge
No page for that municipality yet.
We deliver anywhere in Ontario. Bring the address to the free consultation and the lot-dependent costs are quoted against it.
Book a Free ConsultationNot sure which municipality your lot sits in? Bring the address or roll number and start there.
Why Choose This Custom Home Builder Over a Site-Builder?
Upfront pricing before you call
We publish a starting figure for every preconfigured model, so you can rule us in or out before you spend an evening on a call. Upfront pricing is the point: you should know the floor before you know us.
That figure is a floor, not an estimate of your finished project. The exclusions above are the difference between the two.
If one of the preconfigured designs is close to what you want, start there. Listed prices cover structure and delivery; the six items above are quoted separately.
The scope is written down before the build
The parts that usually drift on a custom build — foundation and site preparation and servicing — are priced against your lot and fixed in the agreement before construction starts.
That is the argument for building this way. When you build on your lot with us, the lot-dependent costs are settled on paper first.
It is not a claim that your project has no variables. It is a claim about when you find out about them.
What Proof Do We Have of the Work?
How can you verify our credentials?
My Own Cottage Inc. is an HCRA-licensed, Tarion-enrolled prefab home and cottage builder based in Orillia, Ontario. The Ontario Builder Directory is searchable by company name, and we would rather you checked than took our word for it.
Our facility is at 12 Lankin Blvd #3, Orillia.
What do clients say?
Reviews on a Google Business Profile are written by the reviewer and cannot be edited or removed by us. Here are the three reviews on our Google Business Profile, quoted as written and checked October 3, 2026:
“What stood out most was the wealth of knowledge, patience, and clarity they provided before anything even began. They took the time to explain the entire process step-by-step — from understanding land requirements, permits, surveys, septic considerations, utilities, budgeting, timelines, and everything else that needs to happen before building can even start.”
“A newer company in Ontario but fabulous customer service.”
“Thank you so much for the excellent cooperation! We felt completely well taken care of. Feedback was always prompt, highly professional, yet personal and tailored to our needs. The information provided beforehand was especially detailed and extremely helpful. My Own Cottage Inc. comes highly recommended!”
Checked our licence and read what clients wrote? The next step is your lot.
How Do You Start, and What Should You Bring?
What happens in the consultation?
The consultation is free and carries no obligation. It is the point where your lot and a home design get put next to each other, and where customization and home finishes get discussed against a real budget rather than in the abstract.
What should you bring to a builder consultation?
Bring what you know about your lot:
- The address or roll number
- Whether the lot has year-round road access
- Whether utility connections are at the line, or the lot will need a well and septic
The quote is scoped against your lot, so the more you can say about it, the sooner the separate costs stop being unknowns.
What should you ask a builder before you sign?
Three questions separate a scoped quote from an estimate.
- What does the price include?
- Who does the work on my lot, and are they licensed trades?
- When is the foundation, site preparation and servicing number fixed?
What are the stages of your build?
Design, Build, Deliver, Install. Four stages, in that order.
- DesignA preconfigured design or custom build plans
- BuildFactory-built
- DeliverIncluded in the model price
- InstallOn your prepared lot
Those four sit inside a longer sequence that starts before you hire anyone — the order a custom build runs in from budget frame to occupancy, what locks at each point, and where builds most often go wrong.
The agreement is settled before the build stage starts. That is the point where the separate costs stop being estimates — not after delivery, and not while a crew is standing on your lot.
Bring us your lot.
Custom home builder Ontario buyers get one clear next step here. Book the free consultation, bring what you know about your lot, and leave with a scoped quote rather than a range.
Prefer to write? Use the form below.
Our facility: 12 Lankin Blvd #3, Orillia, ON L3V 7B6 · 1 (705) 345-9337
My Own Cottage
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- HCRA Licensed
- Tarion Enrolled
- Delivered & Installed
Direct enquiries
Phone: 1 (705) 345-9337
Email: [email protected]
Sean Stevenson is Chief Marketing Officer and Buyer Experience Lead at My Own Cottage Inc., an HCRA-licensed, Tarion-enrolled prefab home and cottage builder based in Orillia, Ontario.
For five years, Sean has worked alongside the company's build team, guiding Ontario buyers from lot assessment and budgeting beyond the model price through zoning, permits, development charges and final occupancy. Sean focuses on the part most buyers underestimate: what a prefab home costs to complete once the foundation, servicing and approvals are added to the model price.