108-5 - 1052 RAT BAY Road, Lake of Bays, ON P1H 2J6
Franklin, Lake of Bays · Near From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres · View map
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.
The home
- Type
- Bungalow
- Style
- Bungalow
- Square footage
- 900-999 sq ft
- Bedrooms
- 2
- Bathrooms
- 2
- Kitchens
- 1
- Rooms
- 9
- Basement
- None
- Faces
- South
- Level
- 0
- View
- Beach, Panoramic, Bay, Lake, Trees/Woods
- Laundry
- Inside
- 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, CAC, Common Elements, Building Insurance, Parking
- Complex
- 0 0
- Property management
- Blue Water Acres
- Exterior
- Wood
Heating & cooling
- Heating fuel
- Propane
- Heating type
- Baseboard
- Air conditioning
- Wall Unit(s)
- Fireplace
- Yes
Garage & parking
- Driveway spaces
- 4
- Total parking
- 4
- Parking features
- Reserved/Assigned
Taxes & other
- Tax year
- 2026
- Occupancy
- Owner
- Possession
- Flexible
- Cross street
- From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres
- Neighbourhood
- Franklin
More
- Price per sq ft
- ~$53 (at 950 sq ft)
- Listed
- Aug 29, 2026 · 44 days ago
- MLS® number
- X13724818
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The home and its surroundings
- Water Heater
- Golf
- Deck
- Recreational Area
- Year Round Living
Included in the common-element (POTL) fee
- Heat
- Hydro
- CAC
- Common Elements
- Building Insurance
- Parking
Shared in the complex
- Party Room/Meeting Room
- Satellite Dish
- Visitor Parking
- 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 Road, Lake of Bays, ON P1H 2J6
Franklin, Lake of Bays · Near From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres
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Listing history for 1052 RAT BAY 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 108-5 - 1052 RAT BAY Road
Answers come straight from this home’s MLS® listing.
How much is 108-5 - 1052 RAT BAY Road listed for, and what would it cost each month?
108-5 - 1052 RAT BAY Road is listed for $49,900. With 20% down ($9,980), the mortgage payment would be roughly $201 a month at 4.5% over 30 years. Add property tax and the common-element (POTL) fee and the estimate comes to about $660 a month, all in. That figure is an illustration, not a quote.
Is 108-5 - 1052 RAT BAY Road freehold or a condo, and is there a monthly fee?
108-5 - 1052 RAT BAY 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, cac, common elements, building insurance, parking.
How many bedrooms and bathrooms does 108-5 - 1052 RAT BAY Road have?
108-5 - 1052 RAT BAY Road has 2 bedrooms and 2 bathrooms.
Does 108-5 - 1052 RAT BAY Road have a garage and parking?
The listing does not show a garage. The driveway adds 4 spaces. In total the listing counts 4 parking spaces.
Does 108-5 - 1052 RAT BAY Road have a finished basement?
No. The listing shows no basement for this home.
What style of home is 108-5 - 1052 RAT BAY Road?
108-5 - 1052 RAT BAY 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 108-5 - 1052 RAT BAY 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 108-5 - 1052 RAT BAY Road heated and cooled?
Heating is baseboard (propane). Cooling is wall unit(s).
Where is 108-5 - 1052 RAT BAY Road?
108-5 - 1052 RAT BAY Road is in the Franklin community of Lake of Bays. The nearest main intersection is From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres. The postal code is P1H 2J6.
How long has 108-5 - 1052 RAT BAY Road been on the market?
108-5 - 1052 RAT BAY Road was listed on August 29, 2026. It has been on the market for 44 days. It is an active listing (MLS® X13724818). Listings here update from the board through the day and come down once a home sells.
What are similar bungalows near 108-5 - 1052 RAT BAY Road asking?
Similar bungalow-style homes for sale nearby right now include 116-10 - 1052 RAT BAY Road at $49,900 (2 bed), 116-2 - 1052 RAT BAY Road at $49,900 (2 bed) and 118-3 - 1052 RAT BAY Road at $42,500 (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 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 108-5 - 1052 RAT BAY 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$49,900116-10 - 1052 RAT BAY Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →
Bungalow$49,900116-2 - 1052 RAT BAY Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →
Bungalow$42,500118-3 - 1052 RAT BAY 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.