Gurvinder Nokwal REALTOR®
For Sale Other 109 days on market

$16,500

Est. payment $73/moCalculate yours

1052 Rat Bay 102-1 Road, Lake of Bays, ON P1H 2J6

Franklin, Lake of Bays, ON P1H 2J6

  • 2 Beds
  • 1 Baths
  • 600 Sq Ft

Listing courtesy of Chestnut Park Real Estate MLS® X13508344

About this home

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 102 Deerview, Week 1 . Check-in is on Fridays at 4 p.m. ANNUAL maintenance fee PER OWNER for Deerview 102 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.

Property details

Overview

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

Interior

Bedrooms
2
Bathrooms
1
Kitchens
1
Basement
None

Building & Systems

Heating
Baseboard (Electric)
Exterior
Wood
Foundation
Concrete Block
Roof
Asphalt Shingle

Lot & Parking

Parking
None garage · 2 total

Financial

Condo Fee
$386/mo
Fee Includes
Heat Included, Hydro Included, Water Included, Common Elements Included, Building Insurance Included, Condo Taxes Included, Parking Included
Pets
No

Location

Neighbourhood
Franklin
Cross Street
South Portage/Hwy 60

Listing

MLS® Number
X13508344
Days on Market
109
Listed On
2026-07-01
Listed By
Chestnut Park Real Estate

Rooms

Room Level Dimensions
Primary Bedroom Main 11′ 8″ × 9′ 5″
Bedroom Main 9′ 2″ × 7′ 11″
Dining Room Main 7′ 0″ × 8′ 0″
Living Room Main 9′ 10″ × 11′ 11″
Kitchen Main 7′ 0″ × 7′ 3″
Bathroom Main 5′ 8″ × 6′ 10″

Features

Interior

  • Water Heater Owned
  • Primary Bedroom - Main Floor

Property

  • Beach
  • Lake/Pond
  • Waterfront
  • Wooded/Treed

Amenities

  • Club House
  • Exercise Room
  • Game Room
  • Indoor Pool
  • Sauna
Included
As viewed as part of the fractional ownership
Excluded
none

Mortgage calculator

Minimum for this price: $825 (5%)

Amortization, years

Estimated mortgage payment

$73 per month

Principal and interest
$73
Property tax
$0
Condo fees
$386
Estimated monthly cost
$459

Your mortgage

Mortgage amount
$13,200
Mortgage insurance
Not needed
Interest over 25 years
$8,718

Cash to close

Down payment
$3,300
Land transfer tax
$83
Total, before legal fees
$3,383
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 102-1 Road, 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).

$16,500 1052 Rat Bay 102-1 Road, Lake of Bays, ON P1H 2J6
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