For Sale Price Drop MLS® X12017497

1052 Rat Bay Rd 109-7 Road

Franklin · Lake of Bays · ON · P1H 2J6

On market 555 days

Flyer Contact agent
2 Beds
2 Baths
5 Parking
Other Type
16-30 Age

About this property

Waterfront

Blue Water Acres FRACTIONAL ownership means that you own 1/10th of the cottage and a share in the entire resort. The resort has about 50 acres and 300 ft of south-facing shoreline frontage on Lake of Bays, the second largest lake in Muskoka. This is not a time share although some think it is similar. You would have use of the cottage for 5 weeks of the year. Algonquin cottage 109 has enough parking for 5 cars. There is one core (fixed) week in summer (in this case it's Week 7) plus 4 more weeks that change each year. For this interval the weeks for 2026 start on: Feb 6, May 15, August 7 (core week), October 2, November 27, 2026. The core (fixed) week for this unit starts on Friday, August 7 /25. Turnover day is Friday for this cottage. The Algonquin cottage has 2 bedrooms, 2 bathrooms, is about 922 square feet, and has a main floor laundry. The resort itself offers walking trails, a beautiful sandy beach, indoor swimming pool, sauna, recreation room, fitness room, and activity centre. Great swimming, ideal for families of all ages, level to gently sloping land makes it easy to access the waterfront. There is NO HST on resales. All cottages are smoke/vape-free and pet-free. Interior photos for this listing are of a similar cottage, all furnishings are identical. The ANNUAL maintenance fee for EACH OWNER of this unit in 2026 is $5,127 + HST ($427.25/month) and it's paid in the autumn of each year for the following year for EACH owner. This is an affordable way to enjoy cottaging in Muskoka on one of our nicest lakes.

Key facts

Type Other · Bungalow
Days on market 555
Neighbourhood Franklin
Property details
Property type Other
Style Bungalow
Storeys 0
Age 16-30
Possession flexible · Flexible · 2025-03-28
Occupancy Owner+Tenant
Cross street South Portage Rd and Rat Bay Rd
Rooms & baths
Kitchens 1
Rooms above / below grade 7
Bedrooms above / below 2
Washrooms 1 × 3-pc · Main
1 × 4-pc · Main
Laundry Laundry Closet
Building & utilities
Heat Baseboard · Electric
Construction Wood
Roof Asphalt Shingle
Foundation Block
Parking
Total 5
Features Private
Spot 1 Exclusive
Inclusions & exclusions
Inclusions Carbon Monoxide detector, smoke detector, dishwasher, all furnishings as part of the fractional ownership, propane gas oven/range, microwave, refrigerator, stove, hot water tank, window coverings
Waterfront
Waterfront features Beach Front, Winterized
Shoreline Clean, Sandy, Hard Bottom
Shoreline allowance Owned
Shoreline exposure South
Features & amenities

Interior

Water Heater OwnedOther

Exterior

Recreational Area

Property

BeachLake/PondWaterfront

Amenities

Shared BeachTennis CourtCommunal Waterfront AreaIndoor Pool

Mortgage calculator

$182/moMonthly payment
$31,120Mortgage amount
$23,403Total interest
$62,303Total cost

Location

Cross street: South Portage Rd and Rat Bay Rd

Market Overview

Lake of Bays

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MLS® X12017497 Brokerage Chestnut Park Real Estate Listed Mar 13, 2025 Updated Feb 16, 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.

$38,900 2 bd · 2 ba
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