1052 Rat Bay 103-1 Road
Lake of Bays, ON
- 2 bed
- 1 bath
- approx. 600-699 sqft
- Other
- 65 days on market
Blue Water Acres has almost 50 acres of Muskoka paradise and 300 feet of south-facing frontage on Lake of Bays. This is FRACTIONAL ownership. It is NOT a timeshare. You would actually own a 1/10th share of the cottage that you buy which includes a share in the entire complex. This gives you the right to use the cottage for five weeks per year: one core summer week, plus 4 more floating weeks in the other seasons. Some owners rent their weeks out to help cover maintenance costs. Rental rates for Deerview cottage range from $1,659/wk to $3,009/wk depending on the season. If it's rented through Blue Water Acres the revenue is split 50/50. If you rent it out yourself you get to keep 100% of the revenue. Facilities include an indoor swimming pool, whirlpool, sauna, games room, fitness room, activity center, 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. This 2 bedroom cottage is called 103 Deerview, Week 1 . Check-in is on Fridays at 4 p.m. ANNUAL maintenance fee PER OWNER for Deerview 103 in 2026 is $4,629 + HST. Core (fixed) week in 2026 starts on June 26/25. Floating weeks for 2026 start on: March 6, June 12, June 26 (core week), October 30, December 25. Maintenance fee is paid in the fall of each year for the following year but you only pay for the weeks that you have possession of the cottage. There is no HST on the purchase price. All cottages are PET-FREE and Smoke-free.
Listing Details
- Listed
- July 3, 2026
Price History
Property
- Style
- Bungalow
- Age
- 16-30
- Construction
- Wood
- Roof
- Asphalt Shingle
- Foundation
- Concrete Block
- Interior
- Water Heater Owned, Primary Bedroom - Main Floor
Parking
- Garage
- None
- Covered Spaces
- 0
- Total Parking
- 2
Utilities
- Heat Source
- Electric
Location & Legal
- Cross Street
- South Portage/Hwy 60
- Parcel Number
- 0
- Possession
- Flexible
- Occupancy
- Owner
Condo
- Maintenance Fee
- $386/month
- Fee Includes
- Heat Included, Hydro Included, Water Included, Common Elements Included, Building Insurance Included, Condo Taxes Included, Parking Included
- Pets
- No
- Locker
- None
- Balcony
- None
- Amenities
- Club House, Exercise Room, Game Room, Indoor Pool, Sauna
Included
- Inclusions
- As viewed as part of the fractional ownership
Waterfront
- Water Body
- Lake of Bays
- Shoreline
- Clean, Sandy, Hard Bottom
- Docking
- None
Schools
Elementary
- Irwin Memorial Public School5 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
- $829,000
- Homes sold
- 107
- Median days on market
- 35
- Sale-to-list price
- 93.5%
Based on 107 recorded sales of residential condo & other properties in Lake of Bays over the last 12 months.
Rooms
3-piece on Main
Main
- Bathroom5'8" x 6'10"
- Bedroom9'2" x 7'11"
- Dining Room7' x 8'
- Kitchen7' x 7'3"
- Living Room9'10" x 11'11"
- Primary Bedroom11'8" x 9'5"
Listed by
Chestnut Park Real Estate
Walk Score
Walk
Bike
Scores by Walk Score®
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: $386/mo
Estimates only. Consult a financial advisor.
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