108-5 - 1052 RAT BAY Road
Lake of Bays, ON
- 2 bed
- 2 bath
- approx. 900-999 sqft
- Other
Client RemarksBlue Water Acres FRACTIONAL ownership means that you share the cottage with 9 other owners. You will own a 1/10th share of the cottage (your "Interval" week) and a smaller share in the entire resort. It's NOT A TIMESHARE although some think it is similar. This cottage is known as 108 Algonquin and it's one of three cottages OFFERING THE BEST BEACH/LAKE VIEW at Blue Water Acres; it has private and guest parking, hi-speed internet, good cell service, 2 spacious bedrooms, washer & dryer, cozy propane fireplace in living area, large dining area with full equipped kitchen and large screened in Muskoka Room. You will have exclusive use of your cottage for 5 weeks of the year. Check-in day for 108 Algonquin is Saturday and the Core Week (Week 5) in 2026 started on July 25. The four other floating weeks rotate each year so it's fair to all the owners. Remaining week for 2026 starts September 19. Weeks in 2027 start on January 30, May 8, July 24, Sept 25 & Nov 20. Included: beach chairs, kayaks, paddle boats, a 300' sand beach, tennis and badminton courts, playground, indoor swimming pool with change room & sauna, hot tub, gathering room with grand piano, games room with pool tables, fitness room, tubing hill, skating, walking & snowshoe trails and more. You can moor your own boat at Blue Water Acres for your weeks during boating season. All cottages are pet-free & smoke-free. This is an affordable way to enjoy cottage life without the cost or work of full cottage ownership. Annual Maintenance fees INCLUDE EVERYTHING and are paid in November for the following year. The ANNUAL maintenance fee for EACH OWNER in 108 Algonquin cottage in 2026 is $5,127 +HST. NO HST on the purchase price. It's a unique way to own a share of Muskoka on Muskoka's second largest lake. Your weeks can also be traded for weeks at other luxury resorts around the world through Interval International. Or you can rent your weeks out either through Blue Water Acres or on your own.
Listing Details
- Listed
- August 29, 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 Commercial with an exception
- Parcel Number
- 0
- Possession
- Flexible
- Occupancy
- Owner
Condo
- Maintenance Fee
- $427/month
- Fee Includes
- Heat Included, Hydro Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
- Pets
- No
- Locker
- None
- Balcony
- None
- Amenities
- Party Room/Meeting Room, Satellite Dish, Visitor Parking, Indoor Pool
Waterfront
- Water Body
- Lake of Bays
- Shoreline
- Hard Bottom, Shallow, Sandy
- Docking
- Private
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
- $826,500
- Homes sold
- 114
- Median days on market
- 36
- Sale-to-list price
- 93.5%
Based on 114 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
- Bathroom10' x 12'8"
- Bathroom
- Bedroom10'8" x 11'
- Dining Room
- Kitchen
- Living Room
- Other
- Primary Bedroom
- Sunroom
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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