1052 RAT BAY Road 108-5, Lake of Bays, ON P1H 2J6
Lake of Bays, ON P1H 2J6
Quick cost estimateKnown monthly subtotal$232.18 / monthLand transfer tax $249.50One-time estimate
Quick cost estimate
$232.18 / monthKnown monthly subtotal
- Mortgage principal & interest
- $232.18
- Property tax / month
- $0
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $249.50
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $249.50
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
Want to see it in person?Request a showing →
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.
Home details
- Days on market
- Not reported
- Property type
- Other
- MLS® number
- X13724818
- Source status
- New
- Bedrooms
- 2
- Bathrooms
- 2
- Postal code
- P1H 2J6
- Kitchens
- 1
- Kitchens above grade
- 1
- Kitchens below grade
- 0
- Interior size (reported range)
- 900-999
- Lot size
- 49.50 acres
- Garage parking spaces
- Not reported
- Total parking spaces
- 4
- Occupancy
- Owner
- Possession type
- Flexible
- Garage
- None
- Annual property tax
- 0
- Maintenance fee (source period)
- 427.25
- Basement
- None
- Laundry
- Inside
- Interior features
- Water Heater
- Exterior features
- Deck, Recreational Area, Year Round Living
- Architectural style
- Bungalow
- Parking features
- Reserved/Assigned
- Fireplace
- Yes
- Waterfront
- Yes
- Elevator
- No
- Garage available
- No
- Heating system
- Baseboard
- Heating fuel
- Propane
- Cooling
- Wall Unit(s)
- View
- Beach, Panoramic, Bay, Lake, Trees/Woods
- Construction materials
- Wood
- Roof
- Shingles
- Foundation
- Block
- MLS entry age (not confirmed DOM)
- 69 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Heating system
- Baseboard
- Heating fuel
- Propane
- Cooling
- Wall Unit(s)
- Included in maintenance
- Heat Included, Hydro Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 2
- Bedrooms below grade
- 0
- Rooms above grade
- 9
- Rooms below grade
- 0
- Total rooms (source)
- 9
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $49,900
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
Explore sold records with approved VOW access →Nearby homes sold near 1052 RAT BAY Road 108-5, Lake of Bays, ON P1H 2J6, Lake of Bays
Nearby sale prices are private. Sign in or request access to see homes that sold.
Sign in · Request accessEstimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- MUSKOKA
- Municipality
- LAKE OF BAYS
- MLS® community
- Franklin
A confirmed map location is not available for this home yet.
See homes for sale in Lake of Bays →Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
Google Maps opens in a new tab and calculates the route. Your destination and this property location are sent to Google only when you submit. EnterHome does not store the destination or calculate a travel time.
Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby schools
No nearby schools were returned by the current Ontario school dataset for this property. School ratings and attendance boundaries are not included.
Filter the records displayed below.
Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
Filter the records displayed below.
Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
Want to see this home?Request a showing →
Similar homes for sale in Lake of Bays
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
How do I request a showing?
Choose a date and time preference in the request form. A request is not a confirmed appointment; EnterHome will confirm availability separately.
Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
Can I see sold prices for nearby properties?
Sold and leased comparable records are shown only to approved VOW users where the source permits display. Sign in or request VOW access if prompted.
How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
1052 RAT BAY Road 108-5, Lake of Bays, ON P1H 2J6, Lake of Bays is listed for sale as a Other. The listing reports 2 bedrooms, 2 bathrooms, reported interior area of 900-999 (units not reported), kitchens reported as 1, parking spaces reported as 4, lot size reported as 49.50 acres. Asking price: $49,900. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13724818.
Local context
Explore the area: Lake of Bays · Franklin.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: Chestnut Park Real Estate. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13724818. Information deemed reliable but not guaranteed.