Gurvinder Nokwal REALTOR®
For Sale Other 50 days on market

$49,900

Est. payment $221/moCalculate yours

1052 RAT BAY Road 108-5, 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® X13724818

About this home

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.

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
9
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 Commercial with an exception

Financial

Condo Fee
$427/mo
Fee Includes
Heat Included, Hydro Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
Pets
No

Location

Neighbourhood
Franklin
Cross Street
From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres

Listing

MLS® Number
X13724818
Days on Market
50
Listed On
2026-08-29
Listed By
Chestnut Park Real Estate

Rooms

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

Features

Interior

  • Water Heater

Property

  • Golf

Amenities

  • Party Room/Meeting Room
  • Satellite Dish
  • Visitor Parking
  • Indoor Pool

Mortgage calculator

Minimum for this price: $2,495 (5%)

Amortization, years

Estimated mortgage payment

$221 per month

Principal and interest
$221
Property tax
$0
Condo fees
$427
Estimated monthly cost
$648

Your mortgage

Mortgage amount
$39,920
Mortgage insurance
Not needed
Interest over 25 years
$26,364

Cash to close

Down payment
$9,980
Land transfer tax
$250
Total, before legal fees
$10,230
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 108-5, 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).

$49,900 1052 RAT BAY Road 108-5, Lake of Bays, ON P1H 2J6
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