1052 Rat Bay Rd 109-7 Road, Lake of Bays, ON P1H 2J6
Franklin, Lake of Bays · Near South Portage Rd and Rat Bay Rd · View map
About this home
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.
The home
- Type
- Resort condo
- Style
- Bungalow
- Square footage
- 900-999 sq ft
- Bedrooms
- 2
- Bathrooms
- 2
- Kitchens
- 1
- Rooms
- 7
- Basement
- None
- Faces
- South
- Level
- 0
- View
- Lake, Trees/Woods
- Laundry
- Laundry Closet
- Approximate age
- 16-30 years
Ownership & fees
- Ownership
- Condominium
- POTL fee
- $427.25/mo
- Fee includes
- Heat, Hydro, Water, Common Elements, Building Insurance, Condo Taxes, Parking
- Complex
- 0 0
- Property management
- Blue Water Acres
- Pets
- No
- Security
- Smoke Detector, Carbon Monoxide Detectors
- Exterior
- Wood
Heating & cooling
- Heating fuel
- Electric
- Heating type
- Baseboard
Garage & parking
- Total parking
- 5
- Parking features
- Private
Taxes & other
- Tax year
- 2026
- Occupancy
- Owner+Tenant
- Possession
- flexible
- Cross street
- South Portage Rd and Rat Bay Rd
- Neighbourhood
- Franklin
More
- Price per sq ft
- ~$41 (at 950 sq ft)
- MLS® number
- X12017497
No matching details. Ask Will instead
The home and its surroundings
- Water Heater Owned
- Beach
- Lake/Pond
- Waterfront
- Recreational Area
Included in the common-element (POTL) fee
- Heat
- Hydro
- Water
- Common Elements
- Building Insurance
- Condo Taxes
- Parking
Shared in the complex
- Shared Beach
- Tennis Court
- Communal Waterfront Area
- Indoor Pool
- Mortgage
- Property tax
- POTL fee
Cash needed to close
Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.
1052 Rat Bay Rd 109-7 Road, Lake of Bays, ON P1H 2J6
Franklin, Lake of Bays · Near South Portage Rd and Rat Bay Rd
Get directionsWhat’s nearbySchools nearby
Open this tab to load nearby schools.
Your commute
Enter where you go every day to see real drive times:
Listing history for 1052 Rat Bay Rd 109-7 Road
See what this home and others at the same address were listed for, what they sold for, and how long it took.
Sold prices are for members. It’s free, takes a few seconds, and unlocks the sale history on every listing.
Frequently asked questions about 1052 Rat Bay Rd 109-7 Road
Answers come straight from this home’s MLS® listing.
How much is 1052 Rat Bay Rd 109-7 Road listed for, and what would it cost each month?
1052 Rat Bay Rd 109-7 Road is listed for $38,900. With 20% down ($7,780), the mortgage payment would be roughly $157 a month at 4.5% over 30 years. Add property tax and the common-element (POTL) fee and the estimate comes to about $608 a month, all in. That figure is an illustration, not a quote.
Is 1052 Rat Bay Rd 109-7 Road freehold or a condo, and is there a monthly fee?
1052 Rat Bay Rd 109-7 Road is a resort condo in Franklin, Lake of Bays. Ownership is condominium: you own the unit and a condo corporation looks after the common elements. The maintenance fee is $427.25 a month. The listing says it covers heat, hydro, water, common elements, building insurance, condo taxes, parking. Fees can change, so confirm the current amount in the status certificate.
How many bedrooms and bathrooms does 1052 Rat Bay Rd 109-7 Road have?
1052 Rat Bay Rd 109-7 Road has 2 bedrooms and 2 bathrooms. The listing gives the style as bungalow.
Does 1052 Rat Bay Rd 109-7 Road have a garage and parking?
The listing does not show a garage. In total the listing counts 5 parking spaces.
Does 1052 Rat Bay Rd 109-7 Road have a finished basement?
No. The listing shows no basement for this home.
What style of home is 1052 Rat Bay Rd 109-7 Road?
1052 Rat Bay Rd 109-7 Road is a resort condo. A resort condo trades the work of a cottage for a monthly fee; read the status certificate and check any rental pool rules.
How big is 1052 Rat Bay Rd 109-7 Road?
The listing puts the home between 900 and 999 sq ft. The board reports a range rather than an exact figure, and it usually leaves out the basement.
How is 1052 Rat Bay Rd 109-7 Road heated and cooled?
Heating is baseboard (electric). The listing does not show air conditioning.
Are pets allowed at 1052 Rat Bay Rd 109-7 Road?
The listing says pets are not allowed.
Where is 1052 Rat Bay Rd 109-7 Road?
1052 Rat Bay Rd 109-7 Road is in the Franklin community of Lake of Bays. The nearest main intersection is South Portage Rd and Rat Bay Rd. The postal code is P1H 2J6.
Is 1052 Rat Bay Rd 109-7 Road still for sale?
Yes. It is an active listing (MLS® X12017497). Listings here update from the board through the day and come down once a home sells.
What are similar cottages near 1052 Rat Bay Rd 109-7 Road asking?
Similar cottages for sale nearby right now include 107-3 - 1052 RAT BAY Road at $39,000 (2 bed), 111-8 - 1052 Rat Bay Road at $39,900 (2 bed) and 1052 Rat Bay Rd 109-1 Road at $40,000 (2 bed). These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 1052 Rat Bay Rd 109-7 Road sold for?
Recent sales, leases and expired listings for this home and others at the same address are in the Sold history tab, with the price and date of each. It is free for members.
How do I book a showing at 1052 Rat Bay Rd 109-7 Road?
Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-931-3923.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar cottages nearby
More cottages for sale near Franklin, picked by style, size and price.
Resort condo$39,000107-3 - 1052 RAT BAY Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →
Resort condo$39,900111-8 - 1052 Rat Bay Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →
Resort condo$40,0001052 Rat Bay Rd 109-1 Road, Lake of Bays2 bed · 2 bath · FranklinCourtesy of: Chestnut Park Real EstateView home →Courtesy of: Chestnut Park Real Estate
PropTx MLS® assumes no responsibility for the accuracy of any information shown. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose.
*Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax and the common-element (POTL) fee. For illustration only.