$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
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
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
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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $7,995
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates 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
This photo could not be loaded.