Blue Water Acres FRACTIONAL ownership means that you share the cottage with 9 other owners. You will own a 1/10th share of the cottage (your "Interval" week) and a smaller share in the entire resort. It's NOT A TIMESHARE although some think it is similar. This cottage is known as 108 Algonquin and it's one of three cottages OFFERING THE BEST BEACH/LAKE VIEW at Blue Water Acres; it has private and guest parking, hi-speed internet, good cell service, 2 spacious bedrooms, washer & dryer, cozy propane fireplace in living area, large dining area with full equipped kitchen and large screened in Muskoka Room. You will have exclusive use of your cottage for 5 weeks of the year. Check-in day for 108 Algonquin is Saturday and the Core Week (Week 8) in 2026 starts on August 15. The four other floating weeks rotate each year so it's fair to all the owners. Remaining weeks for 2026: February 14, May 23, October 10, December 5/2026 . Included for your enjoyment: beach chairs, kayaks, paddle boats, a 300' sand beach, tennis and badminton courts, playground, indoor swimming pool with change room & sauna, hot tub, gathering room with grand piano, games room with pool tables, fitness room, tubing hill, skating, walking & snowshoe trails and more. You can even moor your own boat at Blue Water Acres for your weeks during boating season. All the cottages are pet-free & smoke-free. This is an affordable way to enjoy cottage life without the cost or work of full cottage ownership. Annual Maintenance fees INCLUDE EVERYTHING and are paid November for the following year. The ANNUAL maintenance fee for EACH OWNER in 108 Algonquin cottage in 2026 is $5,127 +HST. There is NO HST on the purchase price. It's a unique way to own a share of Muskoka on Muskoka's second largest lake. Your weeks can also be traded for weeks at other luxury resorts around the world through Interval International. Or you can rent your weeks out either through Blue Water Acres or on your own.
2 bedrooms, 2 bathrooms, about 900 sq ft, works out to roughly $38 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this home fits your budget and timing.
Inside 1052 Rat Bay Rd #108-8
Every detail from the listing, in one place.
Style
Bungalow
Living space
900-999 sq ftas stated on the listing
Lot size
x 49.5 sq ft
Parking
4 spaces
Basement
None
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
None
Exterior & construction
Pool
Yes
Lot & land
Lot dimensions
x
Lot size (sqft)
49.5
Listing & possession
Property style
Bungalow
Property class
Other
1052 Rat Bay Rd #108-8 Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
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Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$169
/mo
based on the purchase price of $34,500
$6,900 cash
$27,600 financed
$23,246 total interest
Principal54%$27,600
Interest46%$23,246
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Similar homes for sale nearby in Lake of Bays
Other 2-bed homes for sale in Lake of Bays around $35K.
Average days on market61Homes sold in about 61 days on average.
Sale-to-list ratio93.5%On average, homes sold below asking.
Active listings187Homes for sale here right now.
Median vs prior 90 days−26.8%Compared with Apr 24 – Jul 23, 2026: prices down.
Based on 64 sales from Jul 23 – Oct 21, 2026 (32 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
More in this building
11 for sale at 1052 Rat Bay Rd — plus its sale and lease history.
1052 Rat Bay Rd #108-8 is listed at $34,500 (MLS® X10898413). Summitly updates the price as soon as the MLS® record changes.
Is $34,500 a good price for 1052 Rat Bay Rd #108-8?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Lake of Bays. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 1052 Rat Bay Rd #108-8 changed?
Yes — it was first listed at $61,950 and is now $34,500, a drop of $27,450 (44.3%).
How many bedrooms and bathrooms does 1052 Rat Bay Rd #108-8 have?
1052 Rat Bay Rd #108-8 has 2 bedrooms and 2 bathrooms, with about 900–999 square feet of living space. It is a home in Lake of Bays.
How much would the monthly mortgage be on 1052 Rat Bay Rd #108-8?
About $169 a month — principal and interest on $34,500 with 20% down ($6,900), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 1052 Rat Bay Rd #108-8 compare with other homes in Lake of Bays?
Its asking price of $34,500 is about 95% below the median sold price in Lake of Bays over the last 90 days, $762,500, across 64 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 1052 Rat Bay Rd #108-8 been sold before?
Summitly has no earlier MLS® sale or lease of 1052 Rat Bay Rd #108-8 on record from the last two years. Older records aren't shown under TRREB rules.
Where is 1052 Rat Bay Rd #108-8?
1052 Rat Bay Rd #108-8 is in Lake of Bays, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 1052 Rat Bay Rd #108-8 been on the market?
1059 days — 1052 Rat Bay Rd #108-8 was listed on November 27, 2023.
What is the price per square foot of 1052 Rat Bay Rd #108-8?
About $35 to $38 per square foot: the asking price of $34,500 over the 900–999 sq ft the listing gives as its size range.
Does 1052 Rat Bay Rd #108-8 have parking or a garage?
Yes — the listing gives 4 parking spaces.
Does 1052 Rat Bay Rd #108-8 have a basement, and is it finished?
The listing says 1052 Rat Bay Rd #108-8 has no basement.
