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For saleListed Aug 29MLS® X13724818

108-5 - 1052 RAT BAY Road, Lake of Bays, ON P1H 2J6

Franklin, Lake of Bays · Near From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres · View map

$49,900
2Beds
2Baths
900–999Sq ft
OtherType
$427/moMaint. fee
4 totalParking
NoneLocker
Call / Text Will
$49,900
Parking for 4Comes with the unit
Heat & hydro includedCovered by the maintenance fee
Indoor poolPart of the building amenities
WaterfrontOn the water
FireplaceCozy winters
South exposureBright through the day

About this home

Client RemarksBlue Water Acres FRACTIONAL ownership means that you share the cottage with 9 other owners. You will own a 1/10th share of the cottage (your "Interval" week) and a smaller share in the entire resort. It's NOT A TIMESHARE although some think it is similar. This cottage is known as 108 Algonquin and it's one of three cottages OFFERING THE BEST BEACH/LAKE VIEW at Blue Water Acres; it has private and guest parking, hi-speed internet, good cell service, 2 spacious bedrooms, washer & dryer, cozy propane fireplace in living area, large dining area with full equipped kitchen and large screened in Muskoka Room. You will have exclusive use of your cottage for 5 weeks of the year. Check-in day for 108 Algonquin is Saturday and the Core Week (Week 5) in 2026 started on July 25. The four other floating weeks rotate each year so it's fair to all the owners. Remaining week for 2026 starts September 19. Weeks in 2027 start on January 30, May 8, July 24, Sept 25 & Nov 20. Included: beach chairs, kayaks, paddle boats, a 300' sand beach, tennis and badminton courts, playground, indoor swimming pool with change room & sauna, hot tub, gathering room with grand piano, games room with pool tables, fitness room, tubing hill, skating, walking & snowshoe trails and more. You can moor your own boat at Blue Water Acres for your weeks during boating season. All cottages are pet-free & smoke-free. This is an affordable way to enjoy cottage life without the cost or work of full cottage ownership. Annual Maintenance fees INCLUDE EVERYTHING and are paid in November for the following year. The ANNUAL maintenance fee for EACH OWNER in 108 Algonquin cottage in 2026 is $5,127 +HST. NO HST on the purchase price. It's a unique way to own a share of Muskoka on Muskoka's second largest lake. Your weeks can also be traded for weeks at other luxury resorts around the world through Interval International. Or you can rent your weeks out either through Blue Water Acres or on your own.

The home

Type
Other · Bungalow
Square footage
900-999 sq ft
Bedrooms
2
Bathrooms
2
Kitchens
1
Rooms
9
Floor
0
Exposure
South
Balcony
None
View
Beach, Panoramic, Bay, Lake, Trees/Woods
Laundry
Inside
Approximate age
16-30 years

Building & fees

Maintenance fee
$427.25/mo
Fee includes
Heat, Hydro, CAC, Common Elements, Building Insurance, Parking
Condo corporation
0 0
Property management
Blue Water Acres
Pets
No
Locker
None
Exterior
Wood

Heating & cooling

Heating fuel
Propane
Heating type
Baseboard
Air conditioning
Wall Unit(s)
Fireplace
Yes

Parking

Parking spaces
4
Parking features
Reserved/Assigned

Taxes & other

Tax year
2026
Occupancy
Owner
Possession
Flexible
Cross street
From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres
Neighbourhood
Franklin

More

Price per sq ft
~$53 (at 950 sq ft)
Listed
Aug 29, 2026 · 42 days ago
MLS® number
X13724818

Building amenities

  • Party Room/Meeting Room
  • Satellite Dish
  • Visitor Parking
  • Indoor Pool

Included in the maintenance fee

  • Heat
  • Hydro
  • CAC
  • Common Elements
  • Building Insurance
  • Parking

The unit and its surroundings

  • Water Heater
  • Golf
  • Deck
  • Recreational Area
  • Year Round Living
Want to know something that isn’t listed?
Estimated monthly cost$660per month, all in
  • Mortgage
  • Property tax
  • Maintenance fee

Cash needed to close

    Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.

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    1052 RAT BAY Road, Lake of Bays, ON P1H 2J6

    Franklin, Lake of Bays · Near From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres

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    Sold history

    Listing history for 1052 RAT BAY Road

    See what this unit and others in the building were listed for, what they sold for, and how long it took.

    Sold prices are for members. It’s free, takes a few seconds, and unlocks the sale history on every condo.

    Questions & answers

    Frequently asked questions about 108-5 - 1052 RAT BAY Road

    Answers come straight from this condo’s MLS® listing.

    How much is 108-5 - 1052 RAT BAY Road listed for?

    108-5 - 1052 RAT BAY Road is listed for $49,900. With 20% down ($9,980), the mortgage payment would be roughly $201 a month at 4.5% over 30 years, before the maintenance fee and property tax. That figure is an illustration, not a quote.

    How many bedrooms and bathrooms does 108-5 - 1052 RAT BAY Road have?

    108-5 - 1052 RAT BAY Road has 2 bedrooms and 2 bathrooms.

    How big is 108-5 - 1052 RAT BAY Road?

    The listing puts the unit between 900 and 999 sq ft. The board reports a range rather than an exact figure, and it does not include a balcony or terrace.

    What type of home is 108-5 - 1052 RAT BAY Road?

    108-5 - 1052 RAT BAY Road is a other in Franklin, Lake of Bays. It faces south.

    What are the maintenance fees at 108-5 - 1052 RAT BAY Road, and what do they cover?

    The maintenance fee is $427.25 a month. The listing says it covers heat, hydro, cac, common elements, building insurance, parking. Fees can change, so confirm the current amount in the status certificate.

    Does 108-5 - 1052 RAT BAY Road come with parking and a locker?

    The listing includes 4 parking spaces. There is no locker with the unit.

    Are pets allowed at 108-5 - 1052 RAT BAY Road?

    The listing says pets are not allowed.

    What amenities does the building have?

    The listing names these building amenities: party room/meeting room, satellite dish, visitor parking, indoor pool.

    How is 108-5 - 1052 RAT BAY Road heated and cooled?

    Heating is baseboard (propane). Cooling is wall unit(s).

    What neighbourhood is 108-5 - 1052 RAT BAY Road in?

    108-5 - 1052 RAT BAY Road is in the Franklin community of Lake of Bays. The nearest main intersection is From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres. The postal code is P1H 2J6.

    Is 108-5 - 1052 RAT BAY Road still for sale?

    Yes. 108-5 - 1052 RAT BAY Road is an active listing (MLS® X13724818), on the market since August 29, 2026. Listings here update from the board through the day and come down once a condo sells.

    What have condos at 1052 RAT BAY Road sold for?

    Recent sales, leases and expired listings for this unit and the rest of the building are in the Sold history tab, with the price and date of each. It is free for members.

    How do I book a showing at 108-5 - 1052 RAT BAY Road?

    Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-619-2256.

    Have a different question? Ask about this condo and get an answer, usually within the hour.

    *Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax and the maintenance fee. For illustration only.

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