111-2 - 1052 Rat Bay Road
Lake of Bays, ON
- approx. 900-999 sqft
- Other
- 521 days on market
Blue Water Acres FRACTIONAL ownership means that you share the cottage with 9 other owners but you will own yourself a 1/10th share of the cottage (your "Interval" week) and also a smaller share in the entire resort. This cottage is known as 111 Algonquin and it's a favourite at Blue Water Acres. It has 2 spacious bedrooms, and 2 bathrooms. The core summer week in 2026 will start on July 5. The cottage has a cozy propane fireplace and a screened-in Muskoka Room. You will have exclusive use of the cottage for 5 weeks of the year. The check-in day for this unit is Sunday. Weeks in 2026 start on March 15, June 21, July 5 (core/fixed week), November 8 and January 3/27. The 4 floating weeks rotate each year so it's fair to all the owners. There are many amenities at Blue Water Acres: hot tub/sauna, all linens and towels supplied, kayaks, paddle boats, a beautiful sand beach, 300 ft of waterfront on Lake of Bays, indoor swimming pool, owners' gathering room with grand piano and large TV screen , games room with pool tables, ping pong table, shuffle board & foosball, fitness room, tennis/pickleball court, basketball courts, large children's playground & equipment. You can moor your own boat during your own boating season weeks. Winter tube slide, skating rink & fire pit. There is so much to do here! All cottages are pet-free and smoke-free. This is an affordable way to enjoy cottage life without the cost or hassles of full cottage ownership. Maintenance fees include everything and are paid in the fall for the following year. The ANNUAL fee for EACH of the owners in 111 Algonquin cottage for 2026 is $5,127 + HST. This fee can be paid in two installments, November and March. There is NO HST on the purchase price of the cottage. It's a unique way to own a part of Muskoka. Your weeks can be traded for weeks at other luxury resorts around the world. Some photos & floor plan shown are for a similar cottage but may not be identical to the subject cottage.
Listing Details
- Originally Listed
- $44,500
- Listed
- April 1, 2025
Price History
Property
- Style
- Bungalow
- Age
- 16-30
- Construction
- Wood
- Roof
- Asphalt Shingle
- Foundation
- Concrete Block
- Interior
- Water Heater Owned
Parking
- Garage
- None
- Covered Spaces
- 0
- Total Parking
- 2
Utilities
- Heat Source
- Electric
Location & Legal
- Cross Street
- Hwy 60 and South Portage 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
- Pets
- No
- Locker
- None
- Balcony
- None
- Amenities
- Indoor Pool, Party Room/Meeting Room, Visitor Parking, Recreation Room, Tennis Court, Sauna
Included
- Inclusions
- All furnishings, appliances and fixtures as part of the fractional ownership portion ie., 1/10th
- Exclusions
- none
- Rental Items
- none
Waterfront
- Water Body
- Lake of Bays
- Shoreline
- Clean, Hard Bottom, Sandy
- Docking
- Private
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.
Property Insights
AI-generated from listing photos. Not professional advice.
Community
Postal area P0A
- Population
- 17,822
- Private dwellings
- 14,748
- Median age
- 56.8
- Average household size
- 2.2
- Median household income
- $68,000
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
- $828,500
- Homes sold
- 106
- Median days on market
- 35
- Sale-to-list price
- 93.5%
Based on 106 recorded sales of residential condo & other properties in Lake of Bays over the last 12 months.
Rooms
Main
- Bathroom10' x 12'8"
- Bathroom10'10" x 10'10"
- Bedroom10'8" x 11'
- Dining Room11' x 14'2"
- Kitchen8'8" x 14'2"
- Living Room19'3" x 10'
- Primary Bedroom17'10" x 11'
- Sunroom13'9" x 17'8"
Listed by
Chestnut Park Real Estate
Walk Score
Walk
Bike
Scores by Walk Score®
Location
Street View
Mortgage Calculator
$7,900
Estimated Monthly Payment
$194
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: $194/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $10/mo
Maint: $427/mo
Estimates only. Consult a financial advisor.
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