1052 RAT BAY Road 108-8, Lake of Bays, ON P1H 2J6
Lake of Bays, ON P1H 2J6
Quick cost estimateKnown monthly subtotal$160.52 / monthLand transfer tax $172.50One-time estimate
Quick cost estimate
$160.52 / monthKnown monthly subtotal
- Mortgage principal & interest
- $160.52
- 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
- $172.50
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
- $172.50
- 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.
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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.
Home details
- Days on market
- Not reported
- Property type
- Other
- MLS® number
- X10898413
- Source status
- Price Change
- Bedrooms
- 2
- Bathrooms
- 2
- Postal code
- P1H 2J6
- Kitchens
- 1
- Kitchens above grade
- 1
- Kitchens below grade
- 0
- Interior size (reported range)
- 900-999
- Building area (total)
- 958 sq ft
- 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, Mutual
- Pool features
- Indoor, Inground
- Fireplace
- Yes
- Waterfront
- Yes
- Elevator
- No
- Garage available
- No
- Heating system
- Baseboard
- Heating fuel
- Propane
- Cooling
- Wall Unit(s)
- Sewer
- Unknown
- View
- Beach, Panoramic, Bay, Lake, Trees/Woods
- Direction facing
- South
- Construction materials
- Wood
- Roof
- Shingles
- Foundation
- Block
- MLS entry age (not confirmed DOM)
- 1075 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Unknown
- Heating system
- Baseboard
- Heating fuel
- Propane
- Cooling
- Wall Unit(s)
- Included in maintenance
- Cable TV Included, Hydro Included, CAC Included, Heat Included, Building Insurance Included, Common Elements 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
- $34,500
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.
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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
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Around this property
Schools, transit & everyday places
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Nearby schools
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Transit near this property
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Nearby shops & amenities
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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
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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.
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Home and neighbourhood overview
1052 RAT BAY Road 108-8, 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: $34,500. 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® X10898413.
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® X10898413. Information deemed reliable but not guaranteed.