3 Bedroom House Plans in Ontario: 12 Models, Floor Plans and Prices
Three bedroom house plans from My Own Cottage are 12 preconfigured homes from 1,170 to 3,008 sq ft, with one to three bathrooms.
As of October 2026, their Preconfigured model starting at prices run from $369,500 to $949,500, delivered and installed on your prepared foundation. Foundation, site preparation, servicing, permits, development charges and turnkey finishing are priced separately.
- HCRA-licensed
- Tarion-enrolled
- Canadian-built
These are house plans for homes we build, not drawing sets sold on their own. For what a finished project costs once the lot work is added, see the all-in cost of a prefab home in Ontario.
My Own Cottage Inc. is an HCRA-licensed, Tarion-enrolled prefab home and cottage builder based in Orillia, Ontario, and we deliver anywhere in Ontario. To confirm the licence, search “My Own Cottage” in the Ontario Builder Directory, the Home Construction Regulatory Authority’s public lookup of licensed builders.
Have a lot, or close to buying one? Bring its address to a free consultation, with no obligation.
Key takeaways
- The 12 models run from the 1,170 sq ft Eagle’s Nest to the 3,008 sq ft Harbourside II.
- Starting prices run from $369,500 to $949,500 as of October 2026 and cover the home delivered and installed on your prepared foundation. Foundation, site preparation, servicing, permits, development charges and turnkey finishing are separate.
- Price follows specification, not size: the Solaris, Lily of the Valley and Fern Gully all start at $519,500, across 1,418 to 2,054 sq ft.
- Eight of the 12 put the primary bedroom on the main floor, and three are single-storey homes.
- Setbacks, septic and height limits decide which models fit your lot.
What three bedroom house plans does My Own Cottage build?
My Own Cottage builds 12 three bedroom house plans as homes, from the 1,170 sq ft Eagle’s Nest to the 3,008 sq ft Harbourside II. Each has three separate bedrooms. The table lists them smallest first, as of October 17, 2026.
| Model | Size (sq ft) | Bedrooms / bathrooms | Levels and bedroom layout | Garage | Preconfigured model starting at |
|---|---|---|---|---|---|
| Eagle’s Nest | 1,170 | 3 / 1 | Two storeys: 1 bedroom and the bathroom on the main floor, 2 bedrooms upstairs | None | $369,500 |
| Harbour Side | 1,269 | 3 / 2 | Single storey: primary suite at one end, 2 bedrooms side by side mid-house | None | $379,500 |
| Solaris | 1,418 | 3 / 2 | Single storey, no stairs: primary suite at one end, 2 bedrooms at the other | None | $519,500 |
| Hudson | 1,550 | 3 / 2 | Single storey, no stairs: primary suite at one end, 2 bedrooms side by side mid-house | None | $524,500 |
| Lily of the Valley | 1,752 | 3 / 2 | Two storeys: primary suite and loft upstairs, 2 bedrooms on the main floor | None | $519,500 |
| Fern Gully | 2,054 | 3 / 3 | Two storeys: all 3 bedrooms upstairs, den on the main floor | None | $519,500 |
| Excelsior | 2,261 | 3 / 3 | Two storeys: primary bedroom on the main floor, 2 bedrooms and a bonus room upstairs | 2-car | $949,500 |
| Montebello | 2,307 | 3 / 2 + powder room | Main floor and walkout lower level: primary bedroom on the main floor, 2 bedrooms below | 1-car | $619,500 |
| North Star | 2,513 | 3 / 3 | Two storeys: primary bedroom on the main floor, 2 bedrooms and a bonus room upstairs | 2-car | $899,500 |
| Muskoka | 2,707 | 3 / 2 + powder room | Main floor and walkout lower level: primary bedroom on the main floor, 2 bedrooms below | 2-car | $779,500 |
| Titan | 2,971 | 3 / 3 | Three levels: primary suite fills the upper floor, 2 bedrooms on the main floor, rec room and office on the lower level | 2-car, lower level | $799,500 |
| Harbourside II | 3,008 | 3 / 2 + powder room | Main floor with the primary suite; 2 bedrooms on the lower level | Carport | $579,500 |
Sizes, bedroom and bathroom counts and prices come from our catalogue; levels, powder rooms and garages come from each model’s page, both checked October 17, 2026. Each model’s page has its floor plans with room dimensions. For every model in every bedroom count, browse the full catalogue of designs. If two bedrooms are enough, compare our two-bedroom models; for one, see our one-bedroom designs.
What does each starting price cover?
Each starting price covers the home built to spec, delivered and installed on your prepared foundation. Foundation, site preparation, servicing, permits, development charges and turnkey finishing are priced separately, against your lot. My Own Cottage helps with permits and has licensed-trade installation professionals to assist with any foundation, site preparation and servicing needs.
Those lot costs vary more than the model prices do: a serviced lot in town and a rural lot that needs a well and septic produce different totals for the same house.
Every project starts with a site visit to your lot, and the lot work is quoted from there.
Want the foundation, site preparation and servicing priced against your own lot?
Why do three models of different sizes share one price?
Price follows specification, not floor area. The Solaris (1,418 sq ft), Lily of the Valley (1,752 sq ft) and Fern Gully (2,054 sq ft) all start at $519,500. The Solaris is the only one of the three on a single level; the Fern Gully adds a third full bathroom and a main-floor den. Compare the floor plans, not price divided by area.
- Solaris1,418 sq ft$519,500
- Lily of the Valley1,752 sq ft$519,500
- Fern Gully2,054 sq ft$519,500
How big is a 3 bedroom house? Our models run 1,170 to 3,008 sq ft
Our three-bedroom models run from 1,170 to 3,008 square feet and fall into three groups of four. Square footage alone doesn’t set the price or the layout; the bathrooms and levels change more between the groups than the bedrooms do.
| Size band | Models | Bathrooms | Levels |
|---|---|---|---|
| Under 1,600 sq ft | Eagle’s Nest, Harbour Side, Solaris, Hudson | 1 or 2 | One, or two in the Eagle’s Nest |
| 1,700 to 2,400 sq ft | Lily of the Valley, Fern Gully, Excelsior, Montebello | 2 to 3 | Two, or main floor and walkout |
| 2,500 sq ft and up | North Star, Muskoka, Titan, Harbourside II | 2 to 3 | Two or three, or main floor and lower level |
Small 3 bedroom house plans: which models are under 1,600 sq ft?
The Eagle’s Nest, Harbour Side, Solaris and Hudson are our smallest three-bedroom plans, at 1,170 to 1,550 sq ft. The Eagle’s Nest fits three bedrooms into 1,170 sq ft by putting two of them upstairs, with one bathroom on the main floor. The Harbour Side, at 1,269 sq ft, is the smallest with a primary bedroom that has its own ensuite bath. For smaller homes in other bedroom counts, see our compact designs from 505 sq ft.
What do the mid-size plans, 1,700 to 2,400 sq ft, add?
This band adds bathrooms and living space rather than bedrooms. The Fern Gully and Excelsior each have three bathrooms. The Montebello adds a rec room and a games room on a walkout lower level, and the Lily of the Valley gives its primary suite the upper floor, with a loft beside it.
Where does the extra space go in plans over 2,500 sq ft?
Above 2,500 sq ft, the extra area goes to bonus spaces, lower levels and garages. The North Star has an upstairs bonus room, and the Titan a lower level with a rec room, office, sewing room and third bathroom.
These 12 are part of our 33 designs, from 505 to 3,373 sq ft. Compare every size, bedroom count and starting price on one page.
3 bedroom floor plans: how are the bedrooms and bathrooms arranged?
Bedroom distribution is what separates the 12 floor plans: where the primary bedroom sits, whether the secondary bedrooms are split from it or grouped together, and how many bathrooms serve them. In 11 of the 12, the plan pairs a master bedroom and two secondary bedrooms; the Eagle’s Nest has no separate primary suite. Choose the arrangement that suits your lifestyle first; size comes second.
Split bedrooms or grouped bedrooms: which plans do which?
Split bedrooms put the primary bedroom away from the other two, for privacy; grouped bedrooms keep all three together.
| Arrangement | Models | How it works |
|---|---|---|
| Split on one floor | Solaris | Primary suite at one end, two bedrooms at the other, living space between |
| Primary suite at one end | Harbour Side, Hudson | The primary suite takes one end of the single floor; the other two bedrooms sit side by side mid-house, near the shared bathroom |
| Split by level | Lily of the Valley, Excelsior, Montebello, North Star, Muskoka, Titan, Harbourside II | The primary bedroom is on a different level from the other two |
| Grouped | Fern Gully | All three bedrooms upstairs, with the whole main floor left to living space |
| One down, two up | Eagle’s Nest | One main-floor bedroom and two upstairs, sharing one bathroom |
Which models put the primary bedroom downstairs?
Eight of the 12 put the primary bedroom downstairs, on the main floor: the Harbour Side, Solaris, Hudson, Excelsior, Montebello, North Star, Muskoka and Harbourside II. That matters if you want to live on one level as you get older. The Lily of the Valley, Fern Gully and Titan put it upstairs.
Ten of the 12 give the primary bedroom an ensuite bath, and nine have a walk-in closet. The Muskoka’s primary bedroom has a walk-in closet with the main bathroom beside it; the Eagle’s Nest has one bathroom for all three bedrooms.
How many bathrooms do the 3-bedroom models have?
- One:
- Eagle’s Nest, shared by all three bedrooms.
- Two:
- Harbour Side, Solaris, Hudson, Lily of the Valley.
- Two plus a powder room:
- Montebello, Muskoka and Harbourside II.
- Three:
- Fern Gully, Excelsior, North Star, Titan.
A second bathroom matters most when the secondary bedrooms are used every night, not only by guests.
Which 3 bedroom plans have a loft, den or bonus room?
Eight plans have a room beyond the three bedrooms that can work as a home office, guest room, hobby room, exercise room or art studio:
- Lily of the Valley:
- a loft beside the upstairs primary suite.
- Fern Gully:
- a main-floor den or office behind its own door.
- Excelsior:
- a vaulted bonus room over the garage, with its own stair.
- North Star:
- an upstairs bonus room.
- Titan:
- an office and a sewing room on the lower level.
- Montebello and Muskoka:
- a rec room and a games room on the walkout level.
- Harbourside II:
- a den off the foyer.
Needs change over the years a family lives in a house: a home office can become a nursery, and a child’s room can become a guest room. Whether a bonus room can be a legal fourth bedroom is a question for your local building authority, so confirm it before you count on one.
Found two or three layouts that could work? We’ll check them against your lot.
Which 3 bedroom bungalow house plans keep everything on one level?
Three of our three-bedroom plans are single-storey homes: the Harbour Side (1,269 sq ft), Solaris (1,418 sq ft) and Hudson (1,550 sq ft). The Solaris and Hudson have no stairs anywhere in the plan.
- Harbour Side1,269 sq ft
- Solaris1,418 sq ftNo stairs
- Hudson1,550 sq ftNo stairs
What separates the three single-storey models?
The Harbour Side has the lowest price of the three, with a vaulted living room and an angled window bay. The Solaris holds the dining area and living room in one great room and is drawn over a crawl space with exterior access. The Hudson is the largest of the three, with a wood stove, a laundry room on the same floor as the bedrooms, and outdoor living space on a full-width deck with a covered porch at each end.
A single storey puts its whole floor area on the ground, so it needs more lot than a two-storey home of the same size.
What about walkout plans with the main rooms on one floor?
The Montebello and Muskoka keep the primary bedroom, kitchen and living room on the main floor and put the other two bedrooms on a walkout lower level. Both are drawn for a lot that falls away, so the lower level opens at grade. On a flat lot they still build, but excavation and retaining work add to the site budget.
If stairs don’t matter to you, compare every two-storey design we build.
A single storey needs more lot, and a walkout needs a slope. Bring your lot’s address and we’ll tell you which of these plans it can take.
Which 3 bedroom house designs and architectural styles can you choose from?
The 12 architectural designs run from flat-roofed modern to modern farmhouse and porch-front exteriors, and roof design is the quickest way to tell them apart. Each model’s page shows its exterior and interior views.
Modern 3 bedroom house plans
- Montebello: flat rooflines, large glazing and an upper deck.
- Solaris: dark charcoal cladding, large windows and covered outdoor areas.
- Hudson: vertical wood siding, black-framed windows and stone accents.
- Muskoka: wood siding, stone, black-framed glazing and an attached garage.
- Harbourside II: an angled window wall facing the view.
Modern farmhouse and traditional exteriors
- North Star: modern farmhouse, with a covered front porch, black metal roof and double garage.
- Excelsior: white board-and-batten siding, a black metal roof and timber porch details.
- Fern Gully: a full-width covered porch, three dormers and timber columns.
- Eagle’s Nest: warm wood siding, a steep gable roof and an upper balcony.
Which 3 bedroom plans have an open concept floor plan?
The Hudson, Lily of the Valley, Montebello and Harbourside II run the kitchen, dining area and living space as one open concept floor plan. The Solaris holds dining and living in one great room, with the kitchen off the foyer. The Fern Gully is the exception, with a separate dining room and family room.
Found a style you like? See all 33 designs’ exteriors, sizes and starting prices on one page.
3 bedroom cottage plans: will one fit your cottage or rural lot?
Every one of these 12 house plans is built for year-round occupancy, so the same model works as a cottage or a full-time home. Whether it fits a particular lot depends on the site conditions: setbacks, slope, septic and access. Building in cottage country? Compare every cottage design and what it costs to build.
Does a 3-bedroom cottage plan differ from a year-round home?
The house is the same; financing can differ. CMHC Prefab Plus mortgage loan insurance requires a property suitable and available for full-time, year-round occupancy, with year-round vehicular access, including homes located on an island (checked October 17, 2026). A cottage that isn’t available for full-time, year-round occupancy does not meet that requirement. Our financing guide covers mortgage options for prefab homes in Ontario.
Which models suit a sloped or waterfront lot?
The Montebello and Muskoka are drawn as walkouts, which suit a lot that falls about a storey across the building. The Titan’s garage and entry sit on its lower level, so the driveway meets the house at that level. The Eagle’s Nest stacks two floors on a compact footprint and needs less level ground than a single-storey three-bedroom.
What should you check before choosing a model for your lot?
Four checks decide whether a three-bedroom model fits.
| Check | What sets the limit | Who confirms it |
|---|---|---|
| Footprint against setbacks and lot coverage | The zoning by-law for your lot | Your municipality |
| Septic on a lot without municipal sewer | A septic design for the specific house; give the designer the final floor plan, including the bedroom count | Your septic designer and the local septic approval authority |
| Height of a two-storey or three-level plan | Maximum building height in the zoning by-law | Your municipality |
| Grade for a walkout plan | How far the ground falls across the footprint | The site visit |
Footprints differ more than floor areas suggest. The Lily of the Valley sits on a 30 by 42 ft footprint; the Harbour Side measures 48'-0" wide by 34'-3" deep; the Excelsior runs 81'-6" wide including its garage. Measure each model’s exterior dimensions against your setbacks, including decks and porches.
Bring your lot’s address and survey, if you have one, and we’ll go through these checks with you before you choose a model.
What do our clients say?
Here are two reviews from our Google Business Profile, quoted as written:
“From the very beginning, the team at My Own Cottage Inc. provided exceptional customer service and guidance throughout the early planning stages of my project. …”
“A newer company in Ontario but fabulous customer service.”
How much do 3 bedroom prefab homes cost to build in Ontario?
Our 3 bedroom prefab homes start at $369,500 to $949,500 as of October 2026, delivered and installed on your prepared foundation. Your project budget adds foundation, site preparation, servicing, permits, development charges and turnkey finishing, which depend on the lot and are priced separately.
Whether you searched for 3 bedroom prefab homes in Ontario, 3 bedroom modular homes or a prefab 3 bedroom house, these are the same 12 models and prices.
Low budget modern 3 bedroom house design: which models cost least?
The Eagle’s Nest ($369,500) and Harbour Side ($379,500) are our lowest-priced three-bedroom models, as of October 2026. The Eagle’s Nest reaches that price with one shared bathroom across two floors. For $10,000 more, the Harbour Side puts everything on one floor and gives the primary bedroom its own ensuite bath.
Both still need a foundation, site work and servicing. On a lot that needs a well and septic, those costs can outweigh the $10,000 between the two, so price the lot before choosing on model price alone.
Is a plan from a house plan website the same as a builder’s price?
No. A plan website sells drawings; our price is for the home built to the plan, delivered and installed. Most 3 bedroom house plans sold online in Canada are drawing sets, and you still need a contractor and a build price. We don’t sell plan files, such as a digital PDF copy of final house plans, on their own. If you want a starting layout changed, see how a preconfigured layout can be changed.
Want the house and your lot work priced together, rather than a set of drawings?
How we verified this page
| What we state | Source | Date checked |
|---|---|---|
| Model names, sizes, bedroom and bathroom counts and starting prices | My Own Cottage catalogue | October 17, 2026 |
| Levels, bedroom positions, powder rooms, ensuites, walk-in closets, garages, bonus rooms and footprints | Model pages: Eagle’s Nest · Harbour Side · Solaris · Hudson · Lily of the Valley · Fern Gully · Excelsior · Montebello · North Star · Muskoka · Titan · Harbourside II | October 17, 2026 |
| Builder licence lookup | Ontario Builder Directory · HCRA: Ontario Builder Directory | October 17, 2026 |
| CMHC Prefab Plus year-round occupancy and access requirement, including island properties | CMHC Prefab Plus | October 17, 2026 |
| What a zoning by-law sets for a lot, including setbacks, building height and lot coverage | Ontario government: Citizen’s guide to land use planning, zoning by-laws | October 17, 2026 |
| Client reviews, quoted as written | My Own Cottage Inc. on Google | October 17, 2026 |
3 Bedroom House Plan Questions
What is the best size for a 3 bedroom house?
There is no single best size; it depends on how many bathrooms and levels you want. Our three-bedroom models run from 1,170 to 3,008 sq ft. Under 1,600 sq ft you get one floor, or a compact two-storey, with one or two bathrooms. From about 1,700 sq ft, plans add a third bathroom, a den or a walkout lower level.
How much does it cost to build a 3 bedroom house in Ontario?
With My Own Cottage, a three-bedroom model starts at $369,500 to $949,500 as of October 2026, delivered and installed on your prepared foundation. Foundation, site preparation, servicing, permits, development charges and turnkey finishing are added to that and priced against your lot. A free consultation and site visit set those numbers before you sign.
Can a den, loft or bonus room be a fourth bedroom?
It can be used as one, but whether it counts as a legal bedroom depends on your municipality’s building requirements, so confirm with your local building authority first. Eight of our three-bedroom plans have such a room, including the Fern Gully’s main-floor den, the Excelsior’s bonus room over the garage and the North Star’s upstairs bonus room.
Can I buy or download 3 bedroom house plans for free?
Not from us. My Own Cottage builds homes and does not sell or give away plan files, PDFs or blueprints. Each model’s page shows its floor plans so you can compare layouts, and the plan is developed for your lot once you commit to a build.
Can a 3-bedroom model be built anywhere in Ontario?
Yes. My Own Cottage delivers anywhere in Ontario, and every project starts with a site visit to your lot. Whether a particular model fits depends on your municipality’s setbacks and height limits and, on a lot without municipal sewer, on the septic design for the home.
Your next step
Shortlist two or three of these three bedroom house plans from the comparison table. Then bring your lot’s address and survey, if you have one, to a free consultation. We’ll check the lot against the models you like and price the foundation, site preparation and servicing separately.
Our facility: 12 Lankin Blvd #3, Orillia, ON L3V 6T2 · 1 (705) 345-9337 · [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.