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Filipe & Isabel Ferreira

REALTOR® · RECO Reg. # 1616044

RE/MAX Ultimate Realty Inc., Brokerage · RECO Reg. # 4713274

Cell/Direct: (647) 298-9299

1192 St Clair Ave W

Toronto, ON M6E 1B4

Office: (416) 656-3500

License# 4713274

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Home/MLS® Search/Lake of Bays/1052 Rat Bay Rd 109-7 Road

1052 Rat Bay Rd 109-7 Road

Lake of Bays, ON P1H 2J6

NewActiveFor Sale
2 Beds
2 Baths
900 Sq Ft
Condo
Ask Filipe about this propertyBook a Showing

About This Property

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.

Property Details

StatusActive
Property TypeCondo
Listing TypeFor Sale
Interior Size900 sq ft
Bedrooms2
Bathrooms2
LockerNone
BalconyNone
ExposureSouth
ListedMarch 3, 2026
Postal CodeP1H 2J6

Features & Amenities

  • Waterfront
  • View
  • Balcony
  • Air Conditioning
  • Basement

TRREB MLS® Attribution

MLS® X12017497

Listed by Chestnut Park Real Estate

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. The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by CREA and identify real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). The information contained herein is from sources believed to be reliable but is not guaranteed. Information deemed reliable but not guaranteed accurate by TRREB or Team Filipe / RE/MAX.

$38,900

asking price

MLS®X12017497
TypeCondo
CityLake of Bays
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Team Filipe · RE/MAX · (647) 210-6070

Mortgage Estimate

Est. Monthly Payment

$190

/month · $31,120 mortgage

Down Payment20% — $7,780
Interest Rate5.5%

Amortization

Total Interest

$25,866

Total Cost

$56,986

Estimate only. Based on Canadian semi-annual compounding, 25-yr amortization at 5.5%.

Full Mortgage Calculator →

Listed By

Chestnut Park Real Estate