Prefab Cottages Scugog: 33 Models for Lake Scugog & Port Perry
Last updated: July 21, 2026
Prefab cottages Scugog start at $229,500 for a 505 sq ft one-bedroom and reach $949,500 for a 3,373 sq ft four-bedroom.
All 33 models are factory-built and delivered from Orillia across the Township of Scugog — Port Perry, Caesarea, Blackstock, Scugog Island and the Lake Scugog shoreline communities.
✓ HCRA Licensed | ✓ Tarion Enrolled | ✓ CSA A277 | ✓ Ontario-Built
This page covers prefab cottages across Ontario as they apply in Scugog — the full catalogue with prices, exactly what those prices cover and what they don’t. We’ll also cover why a small cottage costs more per square foot than a large one, which of seven authorities controls which part of your project, and whether a transport truck and crane can physically reach your lot.
We are HCRA-licensed and Tarion-enrolled. Where a fact depends on your specific parcel, we tell you so rather than guessing.
Key takeaways:
• Models from $229,500 (505 sq ft) upward
• The price covers the module, insulation, windows, doors, rough-ins, delivery and assembly — not the foundation, servicing, permits or development charges
• A building permit is required for any structure over 15 m² (161 ft²) — O. Reg. 451/22
• Scugog spans three conservation authorities
• The Township publishes no average permit approval time
Prefab cottage models and prices in Scugog
We build 33 modular cottage, cabin and home designs from 505 to 3,373 square feet, starting at $229,500. Every model is factory-built to Ontario Building Code standards in a controlled environment and delivered to your Scugog lot.
A modern prefab cottage featuring an open-concept living space, vaulted ceilings and expansive lake-view glazing. Every My Own Cottage model can be customized to suit your lifestyle, finishes and property.
Floor plans, exterior cladding, interior finishes, roofing, windows, heating and decks are all customizable. Prices shown are for the preconfigured model and exclude the foundation, site servicing, permits and development charges.
Compact cottages — 505 to 992 sq ft, from $229,500
The weekend-retreat and downsizing range: open-concept layouts, large energy-efficient windows, one or two bedrooms. Popular as a four-season vacation home on a Lake Scugog lot, or a guest cottage on a rural parcel where zoning permits one.
| Model | Sq ft | Bed | Bath | From |
|---|---|---|---|---|
| Fox Den | 505 | 1 | 1 | $229,500 |
| Pine View | 540 | 1 | 1 | $229,500 |
| Willow | 564 | 1 | 1 | $229,500 |
| Kingswood | 646 | 1 | 1 | $259,500 |
| Hideaway | 788 | 2 | 1 | $279,500 |
| Lake View | 741 | 1 | 1 | $284,500 |
| Orchard | 992 | 2 | 1 | $289,500 |
| Bay Breeze | 646 | 1 | 1 | $299,500 |
| Water’s Edge | 988 | 2 | 1 | $324,500 |
| Atlantis | 990 | 2 | 2 | $399,500 |
| Modern Living | 718 | 2 | 2 | $449,500 |
Mid-size cottages — 1,056 to 1,560 sq ft, from $339,500
The most common range for a full-time rural residence or a family cottage: two and three bedrooms, defined living and dining space, room for a home office. Boreal is an A-frame cabin; Chrysalis and Blissful Bay lean contemporary.
| Model | Sq ft | Bed | Bath | From |
|---|---|---|---|---|
| Sunnyside | 1,056 | 2 | 2 | $339,500 |
| Haven | 1,066 | 2 | 1 | $339,500 |
| Eagle’s Nest | 1,170 | 3 | 1 | $369,500 |
| Harbour Side | 1,269 | 3 | 2 | $379,500 |
| Woodside | 1,188 | 1 | 1 | $409,500 |
| Aspen | 1,207 | 2 | 1 | $419,500 |
| Solaris | 1,418 | 3 | 2 | $519,500 |
| Hudson | 1,550 | 3 | 2 | $524,500 |
| Blissful Bay | 1,381 | 2 | 2 | $529,500 |
| Equinox | 1,560 | 2 | 2 | $529,500 |
| Boreal (A-frame) | 1,290 | 1 | 1 | $549,500 |
| Chrysalis | 1,239 | 2 | 2 | $639,500 |
Large cottages and homes — 1,752 to 3,373 sq ft, from $519,500
| Model | Sq ft | Bed | Bath | From |
|---|---|---|---|---|
| Lily of the Valley | 1,752 | 3 | 2 | $519,500 |
| Fern Gully | 2,054 | 3 | 3 | $519,500 |
| Harbourside II | 3,008 | 3 | 2 | $579,500 |
| Montebello | 2,307 | 3 | 2 | $619,500 |
| Algonquin | 2,125 | 4 | 2 | $629,500 |
| Muskoka | 2,707 | 3 | 2 | $779,500 |
| Titan | 2,971 | 3 | 3 | $799,500 |
| North Star | 2,513 | 3 | 3 | $899,500 |
| Victoria | 3,373 | 4 | 5 | $919,500 |
| Excelsior | 2,261 | 3 | 3 | $949,500 |
Custom design. If none of the 33 suits your lot, orientation or family, we design from scratch. One-, two- and three-bedroom base plans are available as starting points.
What the price includes — and what it doesn’t
Each model price covers the factory-built module and its delivery:
• Fully insulated walls, floors and roof
• Energy-efficient windows and doors
• Plumbing and electrical rough-ins
• Paint-ready interior
• Delivery and on-site assembly
• Permit-ready documentation, including CSA A277 certification and engineering
Arranged and priced separately: interior finishing, the foundation, site servicing, permits and development charges.
We say this plainly because the biggest source of budget surprise in prefab isn’t hidden fees — it’s the word “included” meaning different things to different builders. Here’s exactly where the line sits.
Illustrative diagram showing where the prefab cottage price ends and lot-specific costs begin. Published model prices cover the factory-built module, insulation, windows, doors, rough-ins, delivery and assembly, while foundation, servicing, permits and other site work are arranged separately.
| Cost line | Who provides it | In the model price? |
|---|---|---|
| Factory-built module | My Own Cottage | ✅ |
| Insulation, windows, doors | My Own Cottage | ✅ |
| Plumbing & electrical rough-ins | My Own Cottage | ✅ |
| Paint-ready interior | My Own Cottage | ✅ |
| Delivery & on-site assembly | My Own Cottage | ✅ |
| Permit-ready documentation | My Own Cottage | ✅ |
| Interior finishing (paint, flooring, final trades) | Quoted separately | ❌ |
| Foundation | Your contractor | ❌ |
| Site preparation & grading | Contractor | ❌ |
| Well & septic | Contractor + Durham Health permit | ❌ |
| Hydro connection | Hydro One or Elexicon | ❌ |
| Building permit | Township of Scugog | ❌ |
| Plumbing permit | Township — separate fee | ❌ |
| Septic permit | Durham Region Health Department | ❌ |
| Development charges | Township + Region + school boards | ❌ |
We also offer, as separate services:
• Site work
• Permit support
• Foundation coordination
• Septic coordination
Upgrade packages bundle popular finishes, porches and off-grid options.
Why small prefab cottages cost more per square foot
A 505 sq ft cottage works out to roughly $454 per square foot. A 3,008 sq ft cottage works out to roughly $193.
The small one isn’t overpriced — it carries the same kitchen, bathroom, furnace, electrical panel, water heater and ventilation system as the large one, spread across a sixth of the floor area. Fixed costs don’t shrink with the building.
Almost no one explains this, and it causes real confusion when buyers compare square-foot rates between builders.
Published My Own Cottage model prices show that price per square foot generally decreases as cottage size increases. Fixed-cost components such as kitchens, bathrooms, furnaces and electrical systems are spread across more living space in larger models, although individual designs can vary.
| Model | Sq ft | From | Approx. $/sq ft |
|---|---|---|---|
| Fox Den | 505 | $229,500 | ~$454 |
| Willow | 564 | $229,500 | ~$407 |
| Orchard | 992 | $289,500 | ~$292 |
| Harbour Side | 1,269 | $379,500 | ~$299 |
| Fern Gully | 2,054 | $519,500 | ~$253 |
| Harbourside II | 3,008 | $579,500 | ~$193 |
Approximate, based on preconfigured model prices; excludes foundation, servicing, permits and development charges.
Two things follow from this:
• Square-foot rate is the wrong yardstick for a small cottage. If you’re measuring a 500 sq ft prefab against a $250/sq ft rule of thumb, that rule was built on 2,000 sq ft houses and doesn’t transfer.
• Cross-builder rate comparisons are mostly meaningless unless both prices cover the same completion stage — which is the next section.
Kit, shell, module, turnkey: which price are you comparing?
“Turnkey” is the least standardized word in this industry. It can mean a delivered module or a finished, serviced project you can move into — and those differ by hundreds of thousands of dollars.
Before comparing two prefab cottage quotes, establish which of five completion stages each one covers. The cheapest number on a search page is usually the least complete product.
1. Materials kit — lumber and components. You build it.
2. Panelized package — wall panels, trusses, windows. Assembled on site by trades you hire.
3. Weather-tight shell — enclosed, unfinished inside.
4. Delivered, assembled, insulated module with rough-ins — this is what our model prices cover.
5. Completed, permitted, serviced and occupiable project — everything above, plus finishing, foundation, servicing and approvals.
A stage-1 kit price and a stage-5 project price can differ threefold for identical square footage. Neither is wrong — they answer different questions. When a builder says “turnkey,” ask which stage they mean. Here’s what each completion stage costs and includes, in detail.
Which approvals a Scugog cottage needs — and who issues each one
Seven separate bodies can have authority over one Scugog cottage project. No single office approves the whole thing:
• The Township issues the building permit and reviews zoning
• Durham Region Health Department issues septic permits
• One of three conservation authorities may require a permit
• Durham Works handles regional servicing
• The Ministry of Transportation controls provincial highway access
The Township’s permit page lists what may be required alongside a building permit application: a Health Department permit, a Conservation Authority permit, a Water/Sewer Connection permit, MTO approval, and other documents as required.
A prefab cottage in Scugog may require approvals from up to seven separate authorities depending on your property's location, servicing and access. There is no single approving authority, and not every project requires every approval.
| Authority | Controls | When it applies |
|---|---|---|
| Township of Scugog | Building permit, zoning, plumbing permit | All construction |
| Durham Region Health Department | Septic permit, septic & well records | Any private septic system |
| Kawartha Conservation | Regulated-area development | Most of the Township |
| Lake Simcoe Region CA | Regulated-area development | Portions of Scugog |
| Central Lake Ontario CA (CLOCA) | Regulated-area development | Portions of Scugog |
| Durham Works Department | Municipal water & sewer connections | Serviced properties |
| Ministry of Transportation | Land use permit in Highway Controlled Areas | Property-dependent |
Three conservation authorities, not one
Scugog is covered by three:
• Kawartha Conservation — most of the Township falls in its regulation area
• Lake Simcoe Region Conservation Authority
• Central Lake Ontario Conservation Authority (CLOCA)
The Township’s own guidance is that you may need to check all three regulation maps to locate your property.
Two things worth understanding:
• A Regulated Area is not the same as hazardous land. A property inside a regulated area isn’t automatically hazardous — contact the authority to confirm, and keep the correspondence.
• If land is determined hazardous, an additional dwelling unit is not permitted on it.
A change most pages have missed: on April 1, 2024, Ontario Regulation 41/24 replaced all 36 individual conservation authority regulations with one province-wide regulation. Authorities now regulate 30 metres around all wetlands, and the regulated area around Provincially Significant Wetlands was reduced from 120 metres to 30 metres. For a wetland-adjacent Lake Scugog parcel, that’s material — and it’s two years old.
Development charges
Development charges are set under Township By-law 16-24 and collected at building permit issuance unless a development agreement specifies otherwise. They apply to most new buildings and are calculated per residential unit.
The Township collects them on behalf of itself, the Region of Durham, and the Durham District and Durham Catholic District School Boards. The current schedule is effective July 1, 2026.
Additional dwelling units are not subject to development charges.
How long does a Scugog building permit take?
The Township does not publish an average approval time. Its permit page describes a seven-step Cloudpermit workflow and a documentation list — no duration. Any builder quoting you a Scugog average is quoting something the Township hasn’t published.
What actually drives your timeline:
1. Whether your application is complete on first submission
2. Whether your zoning permits the use as proposed
3. Whether a conservation authority permit is required first
4. Whether Durham Health septic approval is needed
5. Whether Durham Works, MTO or heritage approvals apply
6. Whether a minor variance or zoning by-law amendment is triggered
Items 3 through 6 are sequential, not parallel. A six-week conservation permit doesn’t run alongside your building permit — it runs before it.
Where your lot sits: Scugog zoning by the numbers
Scugog’s Zoning By-law 14-14 uses specific zone identifiers, not general categories. The zones most relevant to cottage buyers are Shoreline Residential (SR), Agricultural (AG), Rural Residential (RR), Estate Residential (ER), Hamlet Residential (HR1, HR2), Environmental Protection – Holding (EP(H)), and the Oak Ridges Moraine zones. Your zone governs permitted use, setbacks and lot coverage — and it decides what you can build before any other question matters.
Confirm your zone on the Region of Durham Interactive Zoning Map before committing to a design, a model or a deposit. Not “rural residential” as a concept — the actual code on the actual parcel.
Can your Scugog lot physically receive the modules?
Not every lot can. Modules ship from our Orillia facility on transport trucks and are set with a crane. That needs road width, turning radius, overhead clearance, a level staging area and ground that carries the load.
Narrow beach-community lanes, steep shoreline approaches, low hydro lines and seasonal road restrictions are real constraints in Scugog — and we plan delivery access before contract, not after.
Illustrative diagram showing the key site-access requirements for delivering a prefab cottage in Scugog, including truck turning radius, overhead clearance, crane staging and tree line considerations. Every property is assessed individually before delivery.
| Constraint | Why it matters here |
|---|---|
| Road width & turning radius | Lanes around Cedar Shores, Honey Beach and Williams Point weren’t laid out for transport trucks |
| Overhead lines & tree canopy | Mature shoreline lots frequently have both |
| Crane siting & staging | The crane needs firm, level ground within reach of the final position |
| Grade & approach | Shoreline lots often slope toward the water |
| Seasonal load restrictions | Spring restrictions on rural roads can move a delivery window by weeks |
| Year-round road maintenance | Roads with “Lane” or “Way” suffixes outside Port Perry may not be Township-maintained |
That last row is not a detail. Whether your road is maintained year-round can determine both whether an ADU is permitted and whether CMHC financing is available — two separate tests, both hanging on the same road.
Off-grid and unserviced lots
Rural Scugog parcels are frequently unserviced. Outside municipal water and sewer, you’ll need a private well and a septic system designed and permitted through Durham Region Health Department — a separate approval and cost from your building permit. Hydro distance from the nearest connection point can move your budget significantly.
Our off-grid and unserviced lot options include solar-ready roofs, heat pumps, smart thermostats, triple-pane windows, wood-stove preps, composting toilets, rainwater collection and greywater systems.
One thing to know before going off-grid: CMHC Prefab Plus requires the property to be suitable and available for full-time, year-round occupancy. An unserviced or seasonal-access lot can put insured financing out of reach even if the cottage itself is excellent.
Where we deliver around Scugog
Port Perry · Scugog Island · Caesarea · Blackstock · Greenbank · Seagrave · Manchester · Utica · Epsom · Nestleton · Nestleton Station · Prince Albert · Prospect · Saintfield · Shirley · Strattonville · Victoria Corners · Aldreds Beach · Cedar Shores · Carnegie Beach · Highland Beach · Honey Beach · Williams Point
Lake Scugog sits at the western edge of the Kawartha Lakes cottage region, so many of our Scugog buyers are also weighing lots in nearby Kawartha Lakes and Bobcaygeon. Building on the Durham side instead? We also serve Oshawa and the surrounding municipalities.
Cottage or primary residence? The choice changes your financing
If you call it a cottage, you may lose financing and tax relief a primary residence keeps. CMHC Prefab Plus requires the property to be suitable and available for full-time, year-round occupancy, with year-round vehicular access. The First-Time Home Buyers’ GST/HST rebate requires the home be your primary place of residence. A seasonal retreat generally fails both tests.
CMHC Prefab Plus
Launched May 2026. Minimum 5% down payment, with CMHC-insured financing advanced in up to four stages (draws) as construction milestones are met, rather than one lump sum — for example, a draw to acquire and prepare the property, then another once the home is delivered and ready to install.
The criteria that matter on a Scugog lot:
• The property must be suitable and available for full-time and year-round occupancy
• It must have year-round vehicular access, including homes located on an island
• Prefabricated homes permanently affixed to the land on a permanent foundation are eligible under CMHC standard underwriting criteria
For Scugog Island, Caesarea and the beach communities, that access requirement isn’t theoretical. It can be the difference between a 5%-down insured mortgage and a private construction loan.
First-Time Home Buyers’ GST/HST rebate
Requires the home be your primary place of residence — which the CRA describes as the residence you live in on a permanent basis. You may have more than one residence, but only one primary place of residence.
• Agreement of purchase and sale with the builder on or after March 20, 2025 and before 2031
• Construction begins before 2031, substantially completed before 2036
• Maximum consideration $1.5 million
• The CRA specifically names modular homes as eligible
There’s no clause excluding cottages — the primary-residence test does the work.
Tarion warranty
We are Tarion-enrolled. For agreements of purchase and sale signed on or after July 1, 2023, maximum statutory warranty coverage for freehold homes is $400,000.
How Tarion treats a seasonal cottage specifically depends on definitions in the Ontario New Home Warranties Plan Act — home, vendor, builder, owner. If your project is seasonal, confirm coverage with Tarion directly before you sign. We’d rather point you to the source than give you a comfortable answer.
What CSA A277 certification covers — and what it doesn’t
CSA A277 certifies the factory. It confirms our quality program and the modules we produce meet the building code in force where your cottage will be installed. Per the standard’s own scope, it does not cover portions of buildings or services not completed in the factory, and it does not address transport or site erection. Your foundation, site work and installation remain subject to Township review.
| Stage | Who verifies it |
|---|---|
| Factory quality program | SCC-accredited certification body — annual audits, random inspections |
| Module construction | In-factory inspection under A277 |
| Transport to your lot | Not covered by A277 |
| Site erection & set | Not covered by A277 |
| Foundation, servicing, occupancy | Township of Scugog — Chief Building Official or Building Inspector |
The Township reviews permit plans against the Ontario Building Code, its Building By-law and other related by-laws and laws. Factory certification doesn’t replace that. Anyone telling you factory certification means the project is pre-approved for your lot is describing something A277 does not do.
Four-season performance in a Scugog winter
Our cottages are built for year-round occupancy in Ontario’s climate: insulated thermal envelopes, sealed air barriers, energy-efficient windows and doors, and heating systems specified per model. Because modules are built in a controlled environment, framing and insulation aren’t exposed to weather during construction — one reason factory-built envelopes tend to perform consistently. Heat recovery ventilation, triple-pane glazing, heat pumps and in-floor heating are available as options.
If four-season performance drives your decision, ask us for the specification sheet and energy details for the model you’re considering, and compare them against any competing quote. A builder quoting one R-value for their whole catalogue is giving you a marketing number, not an engineering one.
Your foundation matters as much as the module. Choosing a foundation type for your lot — including frost protection — depends on your soil, grade and frost depth. It’s arranged separately and it isn’t a catalogue item.
Can you add a prefab guest cottage or ADU on a Scugog property?
Sometimes — but additional dwelling unit rules in Ontario are tighter than most prefab marketing suggests, and Scugog’s are tighter still. A primary dwelling must already exist. The property cannot be on hazardous land. Outside the Port Perry Urban Area, the lot must front on an improved public street maintained year-round. And in the Shoreline Residential zone — most of the Lake Scugog waterfront — a detached ADU is not permitted at all.
Shoreline Residential (SR). Up to one ADU, requiring a minimum lot area of 3,000 m² (32,292 ft²), and it must be within the primary dwelling — a conversion or an addition. A detached ADU is not permitted in the SR Zone. That rules out the common “drop a prefab guest cottage beside the main cottage” plan on most Lake Scugog waterfront.
Agricultural (AG) and Rural Residential (RR). Up to one ADU, outside the Greenbelt Natural Heritage System, within the existing footprint of a building that legally existed as of July 1, 2017 — and you must be able to prove the date. An addition is not permitted to create the ADU.
Oak Ridges Moraine zones. Up to one ADU within the existing footprint of a primary dwelling legally existing as of November 15, 2001. Not permitted in detached accessory buildings.
Two definitions that trip people up:
• A garden suite is not an ADU in Scugog. The Township treats garden suites as temporary, portable housing requiring a Temporary Use Zoning By-law Amendment. They are not permitted as-of-right.
• A mobile home or trailer cannot be an ADU. Scugog’s Zoning By-law doesn’t permit it. A CSA A277-certified modular building is not a manufactured home under CSA Z240 MH.
Where a detached ADU is permitted, maximum gross floor area is the most restrictive of: lot coverage limits, 50% of the primary dwelling’s gross floor area, or 150 m² (1,614 ft²). The 50% rule usually applies before the ceiling does — a 1,600 ft² primary dwelling caps a detached ADU at 800 ft². (Gross floor area is defined in By-law 14-14 and may differ from catalogue square footage.)
An ADU must be registered before occupancy, cannot be used as a short-term rental (under 30 days), and cannot be severed from the primary dwelling.
How we work in Scugog
My Own Cottage is HCRA-licensed, CSA A277-certified and Tarion-enrolled, building in Orillia for delivery throughout Durham Region and the Kawartha Lakes.
Verify us yourself. Ontario’s Home Construction Regulatory Authority maintains the Ontario Builder Directory at obd.hcraontario.ca — a public registry of every licensed builder and vendor, their licence status, years of activity, homes built, and any regulatory history. Look us up. Look up anyone else you’re considering. If a builder isn’t listed, they may not be operating legally.
Since February 1, 2021, builders have been licensed by the HCRA; the older term was “registered with Tarion.” A builder still using “Tarion-registered” in 2026 is working from an out-of-date script.
Prefab Cottages Scugog: Frequently Asked Questions
How much does a prefab cottage cost in Scugog?
Our models start at $229,500 for a 505 sq ft one-bedroom. Prices cover the factory-built module, insulation, windows, doors, rough-ins, paint-ready interior, delivery and assembly — not the foundation, interior finishing, site servicing, permits or development charges.
Do I need a building permit for a prefab cottage in Scugog?
Yes. A permit is required for any structure over 15 m² (161 ft²), under O. Reg. 451/22. Applications go through Cloudpermit. Plumbing is permitted separately.
What does “turnkey” include?
It depends who’s using the word. Our prices cover a delivered, assembled, insulated module with rough-ins. Another builder’s “turnkey” might mean a kit, a shell, or a fully finished and serviced project. Always ask which.
Where can I buy prefab cottages near Scugog?
You can order directly from a manufacturer that delivers to the Township of Scugog. My Own Cottage builds all 33 models in Orillia and delivers and installs throughout Scugog — Port Perry, Caesarea, Blackstock, Scugog Island and the Lake Scugog shoreline. Ordering from the builder, rather than a dealer, means one point of contact from design through crane-set.
Which prefab cottage designs suit Scugog’s climate?
Any of our 33 models can be specified for four-season Ontario use — the design matters less than the envelope and the foundation. What determines cold-weather comfort is insulation level, air-sealing, window performance and a foundation designed for your lot’s frost depth. Ask for the specification sheet on any model you’re considering so you can compare its actual thermal performance rather than a marketing figure.
Why do small prefab cottages cost more per square foot?
Kitchens, bathrooms, furnaces, panels and ventilation cost roughly the same in a 500 sq ft cottage as in a 3,000 sq ft one. Spread across less floor area, the rate rises. Fox Den works out to about $454/sq ft; Harbourside II to about $193.
Which conservation authority covers my Scugog property?
One of three — Kawartha Conservation, Lake Simcoe Region CA, or CLOCA. Most of Scugog is in the Kawartha regulation area, but the Township advises checking all three maps. Since April 1, 2024, O. Reg. 41/24 replaced all 36 individual CA regulations with one province-wide regulation.
Does CSA A277 certification mean my cottage is approved for my lot?
No. A277 certifies factory-completed work against the code at the installation location. It doesn’t cover transport, site erection, or anything finished on your lot. Township review still applies.
How long does a Scugog building permit take?
The Township doesn’t publish an average. Your timeline depends on application completeness, zoning, and whether conservation, health, servicing or MTO approvals are triggered first.
Where can I find land suitable for a modular cottage near Scugog?
Any residential or rural lot can potentially take a modular cottage, but three things decide suitability before price does: the zoning (does By-law 14-14 permit your intended use?), delivery access (can a truck and crane reach the building position?), and servicing (is there hydro, or will you need a well and septic?). We assess prospective lots for buyers who haven’t purchased yet — it’s cheaper to check before you buy than after.
Are development charges included in my quote?
No. The Township collects them at building permit issuance on behalf of itself, the Region of Durham and the school boards. ADUs are not subject to development charges.
Can I put a prefab guest cottage on my Lake Scugog property?
Usually not as a detached building. A primary dwelling must exist first, and in the Shoreline Residential zone a detached ADU isn’t permitted — one ADU is allowed only within the primary dwelling, on lots of at least 3,000 m² (32,292 ft²).
Will my lot take a delivery truck and crane?
It depends on road width, turning radius, overhead lines, grade, staging area and seasonal restrictions. We plan delivery access before contract.
Can I use CMHC Prefab Plus for a Scugog cottage?
Only if the property is suitable and available for full-time, year-round occupancy and has year-round vehicular access — including island properties. Prefab Plus offers 5% down with funds advanced in up to four draws.
Do I get the first-time buyer GST/HST rebate on a cottage?
The rebate requires the home be your primary place of residence. A seasonal retreat generally won’t meet that test. The CRA does name modular homes as eligible where the test is met.
How do I get a quote for a prefab cottage delivered to Scugog?
Start with a lot feasibility assessment rather than a model quote. Because foundation, servicing and permit costs vary more by parcel than by model, a quote is only meaningful once your lot is understood. We confirm your zone, delivery access and required approvals, then quote a specific model against your actual site. Call (705) 345-9337 or book a free consultation.
Next step: match a model to your lot
Most prefab decisions get made in the wrong order. People pick a model, then discover their zone doesn’t permit it, their lane isn’t maintained year-round, or their lot can’t take a crane.
Start with the lot. We’ll confirm your zone, identify which conservation authority applies, flag which approvals your parcel triggers, and plan whether a truck and crane can reach the position you want. Then we’ll match a model — and a real number — to what your parcel will actually carry.
Serving Port Perry, Scugog Island, Caesarea, Blackstock and the Township of Scugog from our Orillia facility.
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About the Author
Sean Stevenson is Chief Marketing Officer and Buyer Experience Lead at My Own Cottage Inc., an HCRA-licensed, Tarion-enrolled prefab home builder based in Orillia, Ontario.
For five years, Sean has guided Ontario buyers through the full prefab cottage process alongside the company’s build team — from lot assessment and all-in budgeting to zoning, permits, development charges and final occupancy — across Muskoka, Simcoe County, Durham Region and the GTA. He focuses on the part most buyers underestimate: what a factory-built cottage actually costs once the foundation, servicing and approvals are accounted for.