113-5 - 1052 Rat Bay Road
Lake of Bays, ON
- 3 bed
- 2 bath
- approx. 1400-1599 sqft
- Other
- 100 days on market
This is a fractional ownership which is a unique and affordable way to own property in Muskoka. You would own one share in the cottage along with 9 other owners. You would be able to use the cottage for 5 weeks of the year: one "core/fixed" week in summer and 4 "floating" weeks during autumn, winter and spring. Some think it is like a time share but there is one big difference: with a fractional interval ownership you actually own a share of the cottage as well as part of the entire resort. The resort property has 300 feet of south facing frontage on Lake of Bays (second largest lake in Muskoka) and 49.5 acres. The Muskokan has 3 spacious bedrooms, two bathrooms and a personal storage locker on the lower level to store a few things when you're not there. The annual maintenance fee covers everything: taxes, hydro, property maintenance (inside and out), furnishings. Nothing for you to do except enjoy your weeks. The ANNUAL fee PER OWNER in 2026 for the Muskokan cottage is $5,677. The weeks for this interval unit in 2026 start(ed) on the following Saturdays: January 24, April 4, May 2, July 25 (core/fixed summer week) and September 19. The core week for this fractional interval is the very popular Week 5, right in the middle of summer. Check-in day for the Muskokan Cottage is on Saturdays after 4 p.m. All cottages are smoke-free and pet-free. There is NO HST on the purchase price. Amenities include: sandy beach, indoor swimming pool, exercise room, meeting room, whirlpool, sauna, games room, tennis/pickleball court, walking trails, skating rink. You can even moor your boat during your boating season weeks. Some owners rent their weeks out to help cover the maintenance fee. If you rent it out yourself you keep all of the rental income. If Blue Water Acres rents it out for you, then you keep 50% of the rental income. Owning an interval at Blue Water Acres also entitles you to use Interval International to trade for weeks at other luxury resorts all around the world.
Listing Details
- Listed
- May 26, 2026
Price History
Property
- Style
- 2-Storey
- Age
- 16-30
- Construction
- Wood
- Roof
- Shingles
- Foundation
- Concrete, Concrete Block
- Interior
- Primary Bedroom - Main Floor
Parking
- Garage
- None
- Covered Spaces
- 0
- Total Parking
- 2
Utilities
- Heat Source
- Propane
Location & Legal
- Cross Street
- South Portage Rd
- Parcel Number
- 0
- Possession
- Flexible
- Occupancy
- Owner
Condo
- Maintenance Fee
- $473/month
- Fee Includes
- Heat Included, Hydro Included, Water Included, Common Elements Included, Parking Included, Condo Taxes Included, Building Insurance Included
- Pets
- No
- Locker
- Exclusive
- Balcony
- None
- Amenities
- Indoor Pool, Gym, Game Room, Party Room/Meeting Room, Exercise Room, Communal Waterfront Area
Included
- Inclusions
- As viewed
- Exclusions
- none
Waterfront
- Water Body
- Lake of Bays
- Shoreline
- Clean, Sandy
- Docking
- Private
Schools
Elementary
- Irwin Memorial Public School4.6 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 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.
Listed by
Chestnut Park Real Estate
Walk Score
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Location
Street View
Mortgage Calculator
$14,980
Estimated Monthly Payment
$368
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: $368/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $19/mo
Maint: $473/mo
Estimates only. Consult a financial advisor.
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