116-10 - 1052 RAT BAY Road
Lake of Bays, ON
- 2 bed
- 2 bath
- approx. 900-999 sqft
- Other
- 214 days on market
This FRACTIONAL ownership resort has almost 50 acres of Muskoka paradise and 300 feet of south-facing frontage on Lake of Bays. This is NOT a time share because you do actually own 1/10 of the cottage and a share in the entire resort, although some think it is similar to timeshare. Fractional ownership gives you the right to use the cottage Interval that you buy for one core summer week plus 4 more floating weeks each year in the other seasons for a total of 5 weeks per year. Facilities include an indoor swimming pool, whirlpool, sauna, games room, fitness room, activity centre, gorgeous sandy beach with shallow water ideal for kids, great swimming, kayaks, canoes, paddleboats, skating rink, tennis court, playground, and walking trails. You can moor your boat for your weeks during boating season. Algonquin Cottage 116 is a 2 bedroom cottage with laundry and is located next to a beautiful woodlot on the west side of the resort with excellent privacy. There are no cottages in front of 116 Algonquin which means it has a lovely view and provides easy access to the beach and lake. The Muskoka Room in 116 Algonquin has an extra chair, making it stand out from other Algonquin cottages, and it's fully insulated for year round comfort. Cottage 116 also has an extra Muskoka chair on the deck and a private BBQ. Check-in for Cottage 116 is on Sundays at 4 p.m. ANNUAL maintenance fee PER OWNER in 2026 for 116 Algonquin cottage is $5127.43 + HST payable in November for the following year. Weeks in 2026 start on Mar 1, June 7, August 30 (core week includes Labour Day weekend), October 25, and Dec 20/26 (Christmas week!) . No HST on resales. All cottages are PET-FREE and Smoke-free. Ask for details about fractional ownerships and what the annual maintenance fee covers. Deposit weeks you don't use in Interval International for travel around the world or rent your weeks out to help cover the maintenance fees.
Listing Details
- Listed
- February 7, 2026
Price History
Property
- Style
- Bungalow
- Age
- 16-30
- Construction
- Wood
- Roof
- Shingles
- Foundation
- Block
- Interior
- Water Heater
Parking
- Garage
- None
- Covered Spaces
- 0
- Total Parking
- 4
Utilities
- Heat Source
- Propane
Location & Legal
- Cross Street
- Hwy 60 and South Portage Rd
- Zoning
- Waterfront Resort Comm'l with exception
- Parcel Number
- 0
- Possession
- Flexible
- Occupancy
- Owner+Tenant
Condo
- Maintenance Fee
- $427/month
- Fee Includes
- Heat Included, Hydro Included, Water Included, Common Elements Included, Parking Included, Condo Taxes Included
- Pets
- No
- Locker
- None
- Balcony
- None
- Amenities
- Game Room, Gym, Sauna, Tennis Court, Visitor Parking
Included
- Inclusions
- As viewed, all furnishings as part of the fractional ownership
- Exclusions
- personal items
Waterfront
- Water Body
- Lake of Bays
- Shoreline
- Hard Bottom, Shallow, 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.
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
- $848,500
- 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
- Bathroom
- Bathroom
- 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 Score is unavailable for this address right now.
Location
Street View
Mortgage Calculator
$9,980
Estimated Monthly Payment
$245
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: $245/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $12/mo
Maint: $427/mo
Estimates only. Consult a financial advisor.
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