A cottage has been destroyed by fire in Utterson.

Muskoka Lakes Fire Department was called to 1031 Sutton Road on Three Mile Lake around 6:45pm to a fully involved structure fire.

The residents of the cottage were home at the time, noticed the smoke and called 911.

Crews from three stations responded needing portable pumps and tankers to get water on the blaze.

Firefighters are staying overnight to contain hotspots, and the building appears to be a loss.

An investigation into the fire will be done in the morning. No injuries were reported.