1052 Rat Bay Rd 109-7 Road
Lake of Bays, ON
- 2 bed
- 2 bath
- approx. 900-999 sqft
- Other
- 1231 days on market
Blue Water Acres FRACTIONAL ownership means that you own 1/10th of the cottage and a share in the entire resort. The resort has about 50 acres and 300 ft of south-facing shoreline frontage on Lake of Bays, the second largest lake in Muskoka. This is not a time share although some think it is similar. You would have use of the cottage for 5 weeks of the year. Algonquin cottage 109 has enough parking for 5 cars. There is one core (fixed) week in summer (in this case it's Week 7) plus 4 more weeks that change each year. For this interval the weeks for 2026 start on: Feb 6, May 15, August 7 (core week), October 2, November 27, 2026. The core (fixed) week for this unit starts on Friday, August 7 /25. Turnover day is Friday for this cottage. The Algonquin cottage has 2 bedrooms, 2 bathrooms, is about 922 square feet, and has a main floor laundry. The resort itself offers walking trails, a beautiful sandy beach, indoor swimming pool, sauna, recreation room, fitness room, and activity centre. Great swimming, ideal for families of all ages, level to gently sloping land makes it easy to access the waterfront. There is NO HST on resales. All cottages are smoke/vape-free and pet-free. Interior photos for this listing are of a similar cottage, all furnishings are identical. The ANNUAL maintenance fee for EACH OWNER of this unit in 2026 is $5,127 + HST ($427.25/month) and it's paid in the autumn of each year for the following year for EACH owner. This is an affordable way to enjoy cottaging in Muskoka on one of our nicest lakes.
Listing Details
- Originally Listed
- $49,900
- Listed
- April 18, 2023
Price History
Property
- Style
- Bungalow
- Age
- 16-30
- Construction
- Wood
- Roof
- Asphalt Shingle
- Foundation
- Block
- Interior
- Water Heater Owned, Other
Parking
- Garage
- None
- Covered Spaces
- 0
- Total Parking
- 5
Utilities
- Heat Source
- Electric
Location & Legal
- Cross Street
- South Portage Rd and Rat Bay Rd
- Parcel Number
- 0
- Possession
- Flexible
- Occupancy
- Owner+Tenant
Condo
- Maintenance Fee
- $427/month
- Fee Includes
- Heat Included, Hydro Included, Water Included, Common Elements Included, Building Insurance Included, Condo Taxes Included, Parking Included
- Pets
- No
- Locker
- None
- Balcony
- None
- Amenities
- Shared Beach, Tennis Court, Communal Waterfront Area, Indoor Pool
Included
- Inclusions
- Carbon Monoxide detector, smoke detector, dishwasher, all furnishings as part of the fractional ownership, propane gas oven/range, microwave, refrigerator, stove, hot water tank, window coverings
- Exclusions
- none
- Rental Items
- none
Waterfront
- Water Body
- Lake of Bays
- Shoreline
- Clean, Sandy, Hard Bottom
- Docking
- None
Schools
Elementary
- Irwin Memorial Public School4.9 km
Public · Trillium Lakelands DSB · 140 students
Grade 3 reading: 100% met the provincial standard · Grade 6 math: 39% met the provincial standard
Straight-line distance. Nearby schools are not necessarily the assigned schools — confirm catchment with the school board. Scores are EQAO provincial test results for 2024-2025.
Community
Postal area P1H
- Population
- 18,099
- Private dwellings
- 10,316
- Median age
- 51.2
- Average household size
- 2.3
- Median household income
- $82,000
Source: Statistics Canada, 2021 Census of Population, catalogue 98-401-X2021013. Adapted from Statistics Canada. This does not constitute an endorsement by Statistics Canada of this product.
Local market
Residential Condo & Other in Lake of Bays · last 12 months
- Median sold price
- $829,000
- Homes sold
- 107
- Median days on market
- 35
- Sale-to-list price
- 93.4%
Based on 107 recorded sales of residential condo & other properties in Lake of Bays over the last 12 months.
Rooms
3-piece on Main, 4-piece on Main
Main
- Bathroom9'11" x 6'
- Bathroom6'10" x 6'6"
- Bedroom 210'3" x 10'11"
- Dining Room11' x 10'7"
- Kitchen8'1" x 10'7"
- Living Room13'9" x 10'
- Primary Bedroom13'5" x 10'11"
Listed by
Chestnut Park Real Estate
Walk Score
Walk Score is unavailable for this address right now.
Location
Street View
Mortgage Calculator
$7,780
Estimated Monthly Payment
$191
Land transfer tax
Ontario land transfer tax only. An estimate — not legal or financial advice. Municipal land transfer tax applies in Toronto and is not included.
Investment Analysis
No recent nearby lease data. Enter a rent to see the numbers.
Mortgage: $191/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $10/mo
Maint: $427/mo
Estimates only. Consult a financial advisor.
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