For Sale MLS® X13173280

1052 Rat Bay Road

Franklin · Lake of Bays · ON · P0A 1H0

On market 116 days

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3 Beds
2 Baths
2 Parking
49.5 ac Lot
Other Type
16-30 Age

About this property

WaterfrontFireplaceCentral air

This is a fractional ownership which is a unique and affordable way to own property in Muskoka. You would own one share in the cottage along with 9 other owners. You would be able to use the cottage for 5 weeks of the year: one "core/fixed" week in summer and 4 "floating" weeks during autumn, winter and spring. Some think it is like a time share but there is one big difference: with a fractional interval ownership you actually own a share of the cottage as well as part of the entire resort. The resort property has 300 feet of south facing frontage on Lake of Bays (second largest lake in Muskoka) and 49.5 acres. The Muskokan has 3 spacious bedrooms, two bathrooms and a personal storage locker on the lower level to store a few things when you're not there. The annual maintenance fee covers everything: taxes, hydro, property maintenance (inside and out), furnishings. Nothing for you to do except enjoy your weeks. The ANNUAL fee PER OWNER in 2026 for the Muskokan cottage is $5,677. The weeks for this interval unit in 2026 start(ed) on the following Saturdays: January 24, April 4, May 2, July 25 (core/fixed summer week) and September 19. The core week for this fractional interval is the very popular Week 5, right in the middle of summer. Check-in day for the Muskokan Cottage is on Saturdays after 4 p.m. All cottages are smoke-free and pet-free. There is NO HST on the purchase price. Amenities include: sandy beach, indoor swimming pool, exercise room, meeting room, whirlpool, sauna, games room, tennis/pickleball court, walking trails, skating rink. You can even moor your boat during your boating season weeks. Some owners rent their weeks out to help cover the maintenance fee. If you rent it out yourself you keep all of the rental income. If Blue Water Acres rents it out for you, then you keep 50% of the rental income. Owning an interval at Blue Water Acres also entitles you to use Interval International to trade for weeks at other luxury resorts all around the world.

Key facts

Type Other · 2-Storey
Lot 49.5 ac
Days on market 116
Neighbourhood Franklin
Property details
Property type Other
Style 2-Storey
Storeys 0
Age 16-30
Possession Flexibile · Flexible · 2026-06-19
Occupancy Owner
Cross street South Portage Rd
Rooms & baths
Kitchens 1
Bedrooms above / below 3
Washrooms 1 × 4-pc · Main
1 × 4-pc · Lower
Laundry In-Suite Laundry
Building & utilities
Fireplace Yes (1 · Propane)
Heat Forced Air · Propane
A/C Central Air
Construction Wood
Roof Shingles
Foundation Concrete, Concrete Block
Parking
Total 2
Spot 1 Exclusive
Lot
Size 49.5 Acres
Inclusions & exclusions
Inclusions As viewed
Waterfront
Waterfront features Beach Front, Dock, Winterized
Shoreline Clean, Sandy
Shoreline allowance Owned
Shoreline exposure South
Features & amenities

Interior

Primary Bedroom - Main Floor

Exterior

Deck

Property

BeachLake/PondWaterfront

Amenities

Indoor PoolGymGame RoomParty Room/Meeting RoomExercise RoomCommunal Waterfront Area

Mortgage calculator

$350/moMonthly payment
$59,920Mortgage amount
$45,061Total interest
$119,961Total cost

Location

Cross street: South Portage Rd

Market Overview

Lake of Bays

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MLS® X13173280 Brokerage Chestnut Park Real Estate Listed May 26, 2026 Updated May 26, 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.

$74,900 3 bd · 2 ba
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