1052 Rat Bay Rd 109-1 Road, Lake of Bays, ON P1H 2J6
Franklin, Lake of Bays · Near South Portage Rd and Rat Bay Rd · View map
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. This is NOT a timeshare but some think it is similar. You would own a 1/10thshare of the cottage that you buy and that gives you 5 weeks of use/year. Algonquin cottage 109 has enough parking for up to 5 cars. Ownership also includes a share in the entire complex. This gives you the right to use the cottage Interval that you buy for five weeks per year: one core summer week plus 4 more floating weeks in the other seasons. 109 Algonquin is a 2 bedroom, 2 bathroom cottage. The Muskoka Room is fully insulated for year-round comfort. Facilities include an indoor swimming pool, 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 2026 maintenance fee for 109 Algonquin cottage PER OWNER is $5127 + HST. Core week 1 for this cottage in 2026 starts on Friday, June 26 and the other 4 weeks for 2026 start on March 6, June 12, June 26 (core), October 30 and Decemer 25, 2026. Ask for the schedule for the coming years, the floating weeks change each year. There is a main floor laundry in the Algonquin cottage. There is NO HST on resales. All cottages are PET-FREE and Smoke-free. Ask Listing Agent for details about fractional ownerships and what the annual maintenance fee covers. Interior photos are of a similar unit but not the exact unit. All furnishings are identical.
The home
- Type
- Bungalow
- Style
- Bungalow
- Square footage
- 900-999 sq ft
- Bedrooms
- 2
- Bathrooms
- 2
- Kitchens
- 1
- Rooms
- 7
- Basement
- None
- Faces
- South
- Level
- 0
- View
- Lake, Trees/Woods
- Laundry
- Laundry Closet
- Approximate age
- 16-30 years
Ownership & fees
- Ownership
- Freehold, with a share in common elements (POTL)
- POTL fee
- $427.25/mo
- Fee includes
- Heat, Hydro, Water, Common Elements, Building Insurance, Condo Taxes, Parking
- Complex
- 0 0
- Property management
- Blue Water Acres
- Security
- Smoke Detector, Carbon Monoxide Detectors
- Exterior
- Wood
Heating & cooling
- Heating fuel
- Electric
- Heating type
- Baseboard
- Fireplace
- Yes
Garage & parking
- Driveway spaces
- 2
- Total parking
- 5
- Parking features
- Private
Taxes & other
- Tax year
- 2025
- Occupancy
- Owner
- Possession
- Flexible
- Cross street
- South Portage Rd and Rat Bay Rd
- Neighbourhood
- Franklin
More
- Price per sq ft
- ~$42 (at 950 sq ft)
- Listed
- Apr 20, 2025 · 540 days ago
- MLS® number
- X12092857
No matching details. Ask Will instead
The home and its surroundings
- Water Heater Owned
- Beach
- Lake/Pond
- Waterfront
- Recreational Area
Included in the common-element (POTL) fee
- Heat
- Hydro
- Water
- Common Elements
- Building Insurance
- Condo Taxes
- Parking
Shared in the complex
- Shared Beach
- Tennis Court
- Communal Waterfront Area
- Indoor Pool
- Mortgage
- Property tax
- POTL fee
Cash needed to close
Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.
1052 Rat Bay Rd 109-1 Road, Lake of Bays, ON P1H 2J6
Franklin, Lake of Bays · Near South Portage Rd and Rat Bay Rd
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Listing history for 1052 Rat Bay Rd 109-1 Road
See what this home and others at the same address were listed for, what they sold for, and how long it took.
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Frequently asked questions about 1052 Rat Bay Rd 109-1 Road
Answers come straight from this home’s MLS® listing.
How much is 1052 Rat Bay Rd 109-1 Road listed for, and what would it cost each month?
1052 Rat Bay Rd 109-1 Road is listed for $40,000. With 20% down ($8,000), the mortgage payment would be roughly $161 a month at 4.5% over 30 years. Add property tax and the common-element (POTL) fee and the estimate comes to about $614 a month, all in. That figure is an illustration, not a quote.
Is 1052 Rat Bay Rd 109-1 Road freehold or a condo, and is there a monthly fee?
1052 Rat Bay Rd 109-1 Road is a bungalow in Franklin, Lake of Bays. Ownership is freehold: you own the home and the lot. There is no monthly condo fee, but the home is a parcel of tied land (POTL) with a common-element fee of $427.25 a month for shared parts of the complex, such as a private road, snow clearing and visitor parking. The listing says it covers heat, hydro, water, common elements, building insurance, condo taxes, parking.
How many bedrooms and bathrooms does 1052 Rat Bay Rd 109-1 Road have?
1052 Rat Bay Rd 109-1 Road has 2 bedrooms and 2 bathrooms.
Does 1052 Rat Bay Rd 109-1 Road have a garage and parking?
The listing does not show a garage. The driveway adds 2 spaces. In total the listing counts 5 parking spaces.
Does 1052 Rat Bay Rd 109-1 Road have a finished basement?
No. The listing shows no basement for this home.
What style of home is 1052 Rat Bay Rd 109-1 Road?
1052 Rat Bay Rd 109-1 Road is a bungalow. A bungalow has all of its main living space, including the bedrooms, on one floor, usually over a full basement.
How big is 1052 Rat Bay Rd 109-1 Road?
The listing puts the home between 900 and 999 sq ft. The board reports a range rather than an exact figure, and it usually leaves out the basement.
How is 1052 Rat Bay Rd 109-1 Road heated and cooled?
Heating is baseboard (electric). The listing does not show air conditioning.
Where is 1052 Rat Bay Rd 109-1 Road?
1052 Rat Bay Rd 109-1 Road is in the Franklin community of Lake of Bays. The nearest main intersection is South Portage Rd and Rat Bay Rd. The postal code is P1H 2J6.
How long has 1052 Rat Bay Rd 109-1 Road been on the market?
1052 Rat Bay Rd 109-1 Road was listed on April 20, 2025. It has been on the market for 540 days. It is an active listing (MLS® X12092857). Listings here update from the board through the day and come down once a home sells.
What are similar bungalows near 1052 Rat Bay Rd 109-1 Road asking?
Similar bungalow-style homes for sale nearby right now include 111-8 - 1052 Rat Bay Road at $39,900 (2 bed), 107-3 - 1052 RAT BAY Road at $39,000 (2 bed) and 1052 Rat Bay Rd 109-7 Road at $38,900 (2 bed). These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 1052 Rat Bay Rd 109-1 Road sold for?
Recent sales, leases and expired listings for this home and others at the same address are in the Sold history tab, with the price and date of each. It is free for members.
How do I book a showing at 1052 Rat Bay Rd 109-1 Road?
Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-619-2256.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar bungalows nearby
More bungalow-style homes for sale near Franklin, picked by style, size and price.
Bungalow$39,900111-8 - 1052 Rat Bay Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →
Bungalow$39,000107-3 - 1052 RAT BAY Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →
Bungalow$38,9001052 Rat Bay Rd 109-7 Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →Courtesy of: Chestnut Park Real Estate
PropTx MLS® assumes no responsibility for the accuracy of any information shown. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose.
*Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax and the common-element (POTL) fee. For illustration only.