Gurvinder Nokwal REALTOR®
For Sale Other 1056 days on market

$34,500 ↓ $27,450 from $61,950

Est. payment $153/moCalculate yours

1052 RAT BAY Road 108-8, Lake of Bays, ON P1H 2J6

Franklin, Lake of Bays, ON P1H 2J6

  • 2 Beds
  • 2 Baths
  • 958 Sq Ft
Map

Listing courtesy of Chestnut Park Real Estate MLS® X10898413

About this home

Blue 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 8) in 2026 starts on August 15. The four other floating weeks rotate each year so it’s fair to all the owners. Remaining weeks for 2026: February 14, May 23, October 10, December 5/2026 . Included for your enjoyment: 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 even moor your own boat at Blue Water Acres for your weeks during boating season. All the 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 November for the following year. The ANNUAL maintenance fee for EACH OWNER in 108 Algonquin cottage in 2026 is $5,127 +HST. There is 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
Price Change
Approximate Age
16-30
Size
958 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
Water
Other
Sewer
Unknown

Lot & Parking

Lot Size
25-49.99 acres
Parking
None garage · 4 total
Zoning
Waterfront Resort Commercial with an exception

Financial

Condo Fee
$427/mo
Fee Includes
Cable TV Included, Hydro Included, CAC Included, Heat Included, Building Insurance Included, Common Elements 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
Direction Faces
South

Listing

MLS® Number
X10898413
Days on Market
1056
Listed On
2023-11-27
Possession
Flexible
Listed By
Chestnut Park Real Estate

Rooms

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

Features

Interior

  • Water Heater

Property

  • Golf

Amenities

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

Pool

  • Indoor
  • Inground
Included
fully furnished as viewed as part of fractional ownership

Mortgage calculator

Minimum for this price: $1,725 (5%)

Amortization, years

Estimated mortgage payment

$153 per month

Principal and interest
$153
Property tax
$0
Condo fees
$427
Estimated monthly cost
$580

Your mortgage

Mortgage amount
$27,600
Mortgage insurance
Not needed
Interest over 25 years
$18,228

Cash to close

Down payment
$6,900
Land transfer tax
$173
Total, before legal fees
$7,073
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 108-8, 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).

$34,500 1052 RAT BAY Road 108-8, Lake of Bays, ON P1H 2J6
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