For Sale Price Drop MLS® X10897914

1052 RAT BAY Road

Franklin · Lake of Bays · ON · P1H 2J6

$42,500 $46/sqft Reduced from $48,900 Est. $200/mo · 20% down · run your numbers →

On market 802 days

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2 Beds
2 Baths
921.72 Sqft
4 Parking
49.5 ac Lot
Other Type
16-30 Age

About this property

WaterfrontIndoor poolFireplaceNew build

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 time share although some think it is similar. You do actually own 1/10 of the cottage. 118 Algonquin Cottage is a 2 bedroom cottage, has a great view of the lake and is very private. Ownership includes a share in the entire complex. This gives you the right to use the cottage Interval that you buy for one core summer week plus 4 more floating weeks each year in the other seasons for a total of 5 weeks per year. 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 for 118 Algonquin Cottage is on Fridays at 4 p.m. ANNUAL maintenance fee PER OWNER in 2026 for 118 Algonquin cottage is $5127 + HST. Core (fixed) Week 3 for this cottage starts on July 10, 2026. Weeks for 2026 will start on January 9, March 20, April 17, July 10 (core week), and September 4. There is laundry in the Algonquin cottages. No HST on resales. All cottages are PET-FREE and Smoke-free. Ask for details about fractional ownerships and what the annual maintenance fee covers (it covers everything). You can deposit weeks you don't use in Interval International or rent them out to help cover the maintenance fees. Blue Water Acres will rent your weeks out for you and you keep 50% of the rental income or rent them out yourself and you keep 100% of the income.

Key facts

Type Other · Bungalow
Lot 49.5 ac
Zoning Waterfront Resort Comm'l with exception
Size 921.72 sqft
Water / Sewer Other
Days on market 802
Neighbourhood Franklin
Property details
Property type Other
Style Bungalow
Storeys 0
Age 16-30
New construction Yes
Building name 118 Algonquin
Possession Flexible
Occupancy Owner
Direction faces South
Cross street From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres
Rooms & baths
Kitchens 1
Rooms above / below grade 8
Bedrooms above / below 2
Washrooms 1 × 3-pc · Main
1 × 4-pc · Main
Laundry Inside
Building & utilities
Fireplace Yes (1 · Propane)
Heat Baseboard · Propane
A/C Wall Unit(s)
Construction Wood
Roof Shingles
Foundation Block
Pool Indoor
Water Other
Parking
Total 4
Features Reserved/Assigned, Mutual
Spot 1 Exclusive
Lot
Size 49.5 Acres
Dimensions x
Zoning Waterfront Resort Comm'l with exception
Commercial details
Building area 921.72
Inclusions & exclusions
Inclusions Carbon Monoxide Detector, Furniture, Gas Oven Range, Microwave, Refrigerator, Smoke Detector, Stove, Hot Water Tank Owned, Window Coverings
Waterfront
Waterfront features Dock, Beach Front
Shoreline Hard Bottom, Shallow, Sandy
Features & amenities

Interior

Water Heater

Amenities

Game RoomGymParty Room/Meeting RoomTennis CourtVisitor Parking

Mortgage calculator

$199/moMonthly payment
$34,000Mortgage amount
$25,569Total interest
$68,069Total cost

Location

Cross street: From Huntsville east on Hwy 60 to South Portage Rd, to Rat Bay Road to Blue Water Acres

Market Overview

Lake of Bays

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MLS® X10897914 Brokerage Chestnut Park Real Estate Listed Jul 9, 2024 Updated Jan 14, 2026

Listing data provided by the Toronto Regional Real Estate Board (TRREB).

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The listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The listing data is deemed reliable but is not guaranteed accurate by TRREB. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.

Last updated: September 20, 2026.

$42,500 2 bd · 2 ba
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