Gurvinder Nokwal REALTOR®
For Sale Other 233 days on market

$39,000

Est. payment $173/moCalculate yours

1052 RAT BAY Road 107-3, Lake of Bays, ON P1H 2J6

Franklin, Lake of Bays, ON P1H 2J6

  • 2 Beds
  • 2 Baths
  • 900 Sq Ft
Map

Listing courtesy of Chestnut Park Real Estate MLS® X12825826

About this home

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)

Property details

Overview

Property Type
Other
Style
Bungalow
For
For Sale
Status
New
Approximate Age
16-30
Size
900 sqft

Interior

Bedrooms
2
Bathrooms
2
Kitchens
1
Total Rooms
8
Basement
None

Building & Systems

Heating
Baseboard (Propane)
Cooling
Wall Unit(s)
Exterior
Wood
Foundation
Block
Roof
Shingles

Lot & Parking

Parking
None garage · 4 total
Zoning
Waterfront Resort Comm'l with exception

Financial

Condo Fee
$427/mo
Fee Includes
Heat Included, Hydro Included, Water Included, Common Elements Included, Parking Included, Condo Taxes Included
Pets
No

Location

Neighbourhood
Franklin
Cross Street
Hwy 60 and South Portage Rd

Listing

MLS® Number
X12825826
Days on Market
233
Listed On
2026-02-27
Listed By
Chestnut Park Real Estate

Rooms

Room Level Dimensions
Living Room Main 19′ 3″ × 10′ 0″
Bedroom Main 10′ 8″ × 11′ 0″
Bathroom Main 10′ 0″ × 12′ 8″
Primary Bedroom Main 17′ 10″ × 11′ 0″
Sunroom Main 13′ 9″ × 17′ 8″
Bathroom Main 10′ 10″ × 10′ 10″
Kitchen Main 8′ 8″ × 14′ 2″
Dining Room Main 11′ 0″ × 14′ 2″

Features

Interior

  • Water Heater

Property

  • Beach
  • Waterfront

Amenities

  • Game Room
  • Gym
  • Sauna
  • Tennis Court
  • Visitor Parking
  • Indoor Pool
Included
As viewed, fully furnished as part of the fractional ownership
Excluded
personal items if any

Mortgage calculator

Minimum for this price: $1,950 (5%)

Amortization, years

Estimated mortgage payment

$173 per month

Principal and interest
$173
Property tax
$0
Condo fees
$427
Estimated monthly cost
$600

Your mortgage

Mortgage amount
$31,200
Mortgage insurance
Not needed
Interest over 25 years
$20,605

Cash to close

Down payment
$7,800
Land transfer tax
$195
Total, before legal fees
$7,995
Talk to me about financing

Estimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.

Location

1052 RAT BAY Road 107-3, Lake of Bays, ON P1H 2J6 Franklin, Lake of Bays, ON P1H 2J6
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$39,000 1052 RAT BAY Road 107-3, Lake of Bays, ON P1H 2J6
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