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КОТТЕДЖ – индивидуальный городской или сельский малоэтажный (обычно двухэтажный) жилой дом с небольшим участком прилегающей земли, для постоянного или временного проживания одной семьи.

То есть стиль не важен. Это может быть и деревенский дом и супер современное строение. Это в русском языке. А в английском коттедж — простой домик, обычно расположенный в сельской местности, или домик фермера. Хотя некоторые "домики фермеров" в нашем понимании тянут на вполне себе приличный особнячок.