118-10 - 1052 RAT BAY Road
Lake of Bays, ON
- 2 bed
- 2 bath
- approx. 900-999 sqft
- Other
- 172 days on market
Excellent value at Blue Water Acres fractional ownership resort which has almost 50 acres of Muskoka paradise and 300 feet of south-facing frontage on Lake of Bays. This is not a time share although some think it is similar. You do actually own 1/10 of the cottage. 118 Algonquin Cottage is a 2 bedroom cottage, has a great view of the lake and is very private. Ownership includes a share in the entire complex. This 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. Check-in for 118 Algonquin Cottage is on Fridays at 4 p.m. ANNUAL maintenance fee PER OWNER in 2026 for 118 Algonquin cottage is $5127 + HST. Core (fixed) Week 10 for this cottage starts on August 28, 2026. Weeks for 2026 start(ed) on February 27, June 5, August 28 (core/fixed week), October 23 and December 26. There is laundry in the Algonquin cottages. 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 (it covers everything). You can deposit weeks you don't use in Interval International or rent them out to help cover the maintenance fees. Blue Water Acres will rent your weeks out for you and you keep 50% of the rental income or rent them out yourself and you keep 100% of the income.
Listing Details
- Originally Listed
- $29,000
- Listed
- March 31, 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
- From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres
- 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, Party Room/Meeting Room, Tennis Court, Visitor Parking
Waterfront
- Water Body
- Lake of Bays
- Shoreline
- Hard Bottom, Shallow, Sandy
- Docking
- Unknown
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
Walk Score is unavailable for this address right now.
Location
Street View
Mortgage Calculator
$3,000
Estimated Monthly Payment
$74
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: $74/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $4/mo
Maint: $427/mo
Estimates only. Consult a financial advisor.
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