107-3 - 1052 RAT BAY Road
Lake of Bays, ON
- 2 bed
- 2 bath
- approx. 900-999 sqft
- Other
- 204 days on market
Blue Water Acres fractional ownership resort has almost 50 acres of Muskoka paradise and 300 feet of south-facing frontage on Lake of Bays. 107 Algonquin is a 2 bedroom cottage located close to the indoor swimming pool and games room. The Muskoka Room in 107 Algonquin is fully insulated for year-round comfort. This is NOT a timeshare but some might think it's similar. You would actually own a 1/10th share of the cottage that you buy. Ownership also includes a share in the entire complex. This gives you the right to use the cottage Interval that you buy for only five weeks per year: one core summer week plus 4 more floating weeks in the other seasons. Facilities include an indoor swimming pool, hot tub, 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. Check-in is on Fridays at 4 p.m. ANNUAL maintenance fee PER OWNER for 107 Algonquin cottage in 2026 is $5127 + HST. Core week 3 for this cottage starts on July 10, 2026 and the remaining weeks for 2026 start (or started) on January 9, March 20, April 17, September 4/2026. There is a laundry in the Algonquin cottage. There is no HST on resales. All cottages are PET-FREE and Smoke-free. Please note that interior photos are of a similar unit (all Algonquins have the same floor plan)
Listing Details
- Listed
- February 27, 2026
Price History
Listing history
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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
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, Indoor Pool
Included
- Inclusions
- As viewed, fully furnished as part of the fractional ownership
- Exclusions
- personal items if any
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
- $828,000
- Homes sold
- 113
- Median days on market
- 35
- Sale-to-list price
- 93.5%
Based on 113 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
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Location
Street View
Mortgage Calculator
$7,800
Estimated Monthly Payment
$192
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: $192/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $10/mo
Maint: $427/mo
Estimates only. Consult a financial advisor.
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