For Sale MLS® X12061479

1052 Rat Bay Road

Franklin · Lake of Bays · ON · P0A 1H0

On market 533 days

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2 Beds
2 Baths
2 Parking
Other Type
16-30 Age

About this property

WaterfrontFireplace

MOTIVATED SELLER try your offer! Blue Water Acres FRACTIONAL ownership means that you share the cottage with 9 other owners but you will own yourself a 1/10th share of the cottage (your "Interval" week) and a smaller share in the entire resort. This cottage is known as 111 Algonquin. It's a favourite at Blue Water Acres with 2 spacious bedrooms and 2 bathrooms. The core summer week in 2026 will start on August 16/26. The cottage has a cozy propane fireplace and a screened-in Muskoka Room. You will have exclusive use of the cottage for 5 weeks of the year. The check-in day for Week 8 is Sunday. Weeks in 2026 start on Feb 15, May 24, August 16 (core/fixed week), October 11, and December 6. 2026. The 4 floating weeks rotate each year so it's fair to all the owners. There are many amenities at Blue Water Acres: hot tub/sauna, linens and towels supplied, kayaks, paddle boats, a beautiful sand beach, 300 ft of waterfront on Lake of Bays, indoor swimming pool, owners' gathering room with grand piano and large TV screen , games room with pool tables, ping pong table, shuffle board & foosball, fitness room, tennis/pickleball court, basketball courts, large children's playground & equipment. You can moor your own boat during your own boating season weeks. Winter tube slide, skating rink & fire pit. There is so much to do here! All cottages are pet-free and smoke-free. This is an affordable way to enjoy cottage life without the cost or hassles of full cottage ownership. Maintenance fees include everything and are paid in the fall for the following year. The ANNUAL fee for EACH of the owners in 111 Algonquin cottage for 2026 is $5,127 + HST. This fee can be paid in two installments, November and March. There is NO HST on the purchase price of the cottage. It's a unique way to own a part of Muskoka. Your weeks can be traded for weeks at other luxury resorts around the world. Some photos & floor plan shown are for a similar cottage but may not be identical to the subject cottage.

Key facts

Type Other · Bungalow
Days on market 533
Neighbourhood Franklin
Property details
Property type Other
Style Bungalow
Storeys 0
Age 16-30
Possession Flexible · 2025-04-30
Occupancy Owner
Cross street Hwy 60 and South Portage Rd
Rooms & baths
Kitchens 1
Rooms above / below grade 6
Bedrooms above / below 2
Washrooms 2 × 4-pc · Main
Laundry Laundry Closet · Main Level
Building & utilities
Fireplace Yes (1 · Propane)
Heat Baseboard · Electric
Construction Wood
Roof Asphalt Shingle
Foundation Concrete Block
Parking
Total 2
Features Private
Spot 1 Exclusive
Inclusions & exclusions
Inclusions All fixtures, furnishings, appliances as part of the fractional unit
Waterfront
Waterfront features Winterized
Shoreline Clean, Hard Bottom, Sandy
Shoreline allowance Owned
Shoreline exposure South
Features & amenities

Interior

Water Heater Owned

Exterior

Recreational Area

Property

BeachLake/PondWaterfront

Amenities

Indoor PoolParty Room/Meeting RoomVisitor ParkingRecreation RoomTennis CourtSauna

Mortgage calculator

$186/moMonthly payment
$31,920Mortgage amount
$24,005Total interest
$63,905Total cost

Location

Cross street: Hwy 60 and South Portage Rd

Market Overview

Lake of Bays

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MLS® X12061479 Brokerage Chestnut Park Real Estate Listed Apr 4, 2025 Updated May 1, 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.

$39,900 2 bd · 2 ba
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