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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 150 days

    Unit 112-8 — 1052 RAT BAY Road

    Franklin·Lake of Bays, ON·P1H 2J6·Near South Portage Rd

    • 3 beds
    Lake of Bays real estate›X12768528
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Blue Water Acres fractional ownerships resort has almost 50 acres of Muskoka paradise and 300 feet of South facing frontage on Lake of Bays. The 112 Meadowvale THREE BEDROOM cottage is one of the nicest at the resort and has a lovely view of the lake. All cottages have a propane fireplace. This is NOT a timeshare although some think it is similar. It is a FRACTIONALownership. You actually own a 1/10th share of the cottage that you buy which includes a share in the entire complex. This gives you the right to use the cottage Interval that you buy for one core summer week plus 4 more floating weeks each year in the other seasons. Some owners rent their weeks out to help cover maintenance costs. Facilities at the resort include an indoor swimming pool, whirlpool, sauna, games room, fitness room, activity centre, gorgeous 300 foot sandy beach with shallow water - ideal for kids, great swimming, kayaks, canoes, paddle boats, skating rink, tennis court, playground, and walking trails. You can moor your own boat for your weeks during boating season. This 3 bedroom cottage is called 112 Meadowvale, Week 8. Check-in is on Saturdays at 4 p.m. ANNUAL maintenance fee for each owner for the 112 Meadowvale in 2026 is $5,561.06 + HST. Core Week 8 starts on Saturday, August 15 in 2026. The remaining weeks in 2026 start on Feb 14, May 23, Oct 10, and Dec 5, 2026. Laundry is conveniently located right in the cottage. There is no HST on the purchase price. All cottages are PET-FREE and Smoke free. Interval International allows you to deposit/trade your weeks at Blue Water Acres for other luxury resorts around the world. Note that the interior photos are for a similar cottage but the exterior photos are for 112.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Feb 7, 2026ListedCurrentFor sale$78,900 —X12768528This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Baseboard
      Air conditioning
      Wall Unit(s)
      Fireplaces
      1
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 Unit 112-8 — 1052 RAT BAY Road
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $388
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $43
    0.66% mill rate · ON
    The market

    How this home sits in the Lake of Bays market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Lake of Bays market right now

    Average sold price, days on market, and closed-transaction count for Lake of Bays — sourced from MLS®.

    • Avg sold price
      $1,127,629
      Last 30 days
    • Median sold price
      $975,000
      Middle of the market
    • Days on market
      45 d
      Avg from list to close
    • Closed last 30d
      31
      MLS® transactions
    Full Lake of Bays market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into Unit 112-8 — 1052 RAT BAY Road — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at Unit 112-8 — 1052 RAT BAY Road and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is Unit 112-8 — 1052 RAT BAY Road listed for?

      Unit 112-8 — 1052 RAT BAY Road is listed at $78,900 on the MLS® (listing X12768528). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does Unit 112-8 — 1052 RAT BAY Road have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 2 baths
  2. 1200-1399 sqft
  3. Other
  4. Built 16-30
  5. 25-49.99 ac lot
  6. Asking
    $78,900
    $0 / sqft · MLS® X12768528
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,127,629
    $1,037,419Confidence range$1,217,839
    Asking vs estimate
    ↓below
    −$1,048,729
    (-93.0%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Lake of Bays sell in about 45 days — this one has been listed 150 days.

    Avg sold price
    $1,127,629
    Median sold
    $975,000
    Avg days on market
    45
    Recently sold
    31
    See comparable sales
    AI highlights by Zara
    • The 112 Meadowvale THREE BEDROOM cottage is one of the nicest at the resort and has a lovely view of the lake.
    • All cottages have a propane fireplace.
    • This is NOT a timeshare although some think it is similar.
    • It is a FRACTIONALownership.
    Ask Zara a follow-up
    Well
    Sewer
    Septic
  8. Parking & garage

    3
    Garage
    None
    Parking spaces
    4
    Driveway
    4
  9. Interior

    6
    Basement
    None
    Family room
    Y
    Kitchens
    1
    Total rooms
    9
    Laundry level
    Main Level
    Elevator
    N
  10. Exterior & construction

    8
    Exterior
    Wood
    Roof
    Shingles
    Foundation
    Block
    View
    Beach, Panoramic, Bay, Lake
    Waterfront
    Y
    Pool
    None
    Patio
    None
    Balcony
    None
  11. Lot & land

    3
    Year built
    16-30
    Lot dimensions
    x
    Zoning
    Waterfront Resort Commercial with an exception
  12. Listing & possession

    3
    Possession
    2026-02-27T00:00:00.000-00:00
    Property style
    Bungalow
    Property class
    Other
  13. Room-by-room · 9 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    9 rooms
    • Bathroom
      5.9 × 10.4 ft
    • Bedroom
      12.6 × 13.4 ft
    • Living Room
      19.7 × 26.1 ft
    • Primary Bedroom
      12.7 × 16.5 ft
    • Kitchen
      16.2 × 16.6 ft
    • Bedroom
      12.7 × 14.1 ft
    • Dining Room
      11.4 × 16.6 ft
    • Sunroom
      11333.0 × 17.6 ft
    • Bathroom
      9.3 × 12.9 ft

    Condo corporation & monthly fees

    Maintenance fee, what's included, locker, exposure, amenities, and condo corp details.

    Monthly maintenance
    Condo corp fees
    $463
    per month
    Maintenance fee includes
    • Heat
    • Hydro
    • Water
    • Parking
    • Property tax
    Building details
    • Unit112-8
    • Storeys (building)0
    • ExposureSouth
    • LockerNone
    • Parking typeReserved/Assigned, Mutual
    • Pet policyNo
    • Ensuite laundryY
    • Condo corpBWA
    • Property managerBlue Water Acres
    Combined estimate
    $431
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $388
    /mo
    based on the purchase price of $78,900
    $15,780 cash
    $63,120 financed
    $53,164 total interest
    Monthly payment$388/ month
    Principal54%$63,120
    Interest46%$53,164

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and condo fees.

    Comparable others that just sold in Lake of Bays

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 1020 Birch Glen Road
      Sold
      Sign in for price
      1020 Birch Glen Road
      Other
    • 1020 BIRCH GLEN Road
      Sold
      Sign in for price
      1020 BIRCH GLEN Road
      Other
    • 1020 Birch Glen Road
      Sold
      Sign in for price
      1020 Birch Glen Road
      Other
    • 1052 RAT BAY Road
      Sold
      Sign in for price
      1052 RAT BAY Road
      Other
    • 1016 Pondview Court
      Sold
      Sign in for price
      1016 Pondview Court
      Other
    • 1020 Birch Glen Road
      Sold
      Sign in for price
      1020 Birch Glen Road
      Other
    AddressBd / BaSqftSold$/sqft% of askSold
    Unit 112-8 — 1052 RAT BAY RoadThis home3 / 212,001,399$78,900ask———
    1020 Birch Glen Road3 / 31,800—
    1020 BIRCH GLEN Road3 / 32,000—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More others in Lake of Bays

    Active listings within ±20% of this asking price.

    • 1052 Rat Bay Road
      $74,900
      1052 Rat Bay Road
      Other 3 2
    • 1020 Birch Glen Road
      $89,900
      1020 Birch Glen Road
      Other 2 3
    • 1020 Birch Glen Road
      $79,900
      1020 Birch Glen Road
      Other 2 3
    • 1020 Birch Glen Road
      $82,900
      1020 Birch Glen Road
      Other 2 3
    • 1020 BIRCH GLEN Road
      $63,900
      1020 BIRCH GLEN Road
      Other 3 3
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  14. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  15. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  16. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  17. Public listing courtesy of Chestnut Park Real Estate · displayed on Summitly per MLS® data-share rules

    Unit 112-8 — 1052 RAT BAY Road is a 3-bedroom, 2-bath, 1200-1399 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  18. When was Unit 112-8 — 1052 RAT BAY Road built?

    Unit 112-8 — 1052 RAT BAY Road was built in 16-30. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  19. What is the property tax for Unit 112-8 — 1052 RAT BAY Road?

    The 'Property tax' tab in the History section shows the most recent annual tax for Unit 112-8 — 1052 RAT BAY Road plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  20. How much would the monthly mortgage be on Unit 112-8 — 1052 RAT BAY Road?

    The affordability calculator on this page shows an estimated monthly mortgage for $78,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  21. Has Unit 112-8 — 1052 RAT BAY Road been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of Unit 112-8 — 1052 RAT BAY Road with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  22. What neighbourhood is Unit 112-8 — 1052 RAT BAY Road in?

    Unit 112-8 — 1052 RAT BAY Road is in Franklin, Lake of Bays. The 'Neighbourhood' section below links to the live Lake of Bays real estate hub with average sold price, days on market, and current inventory.

  23. Is Lake of Bays a good place to live?

    Lake of Bays is one of ON's actively-tracked Summitly markets. The full Lake of Bays real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  24. 1020 Birch Glen Road
    2 / 3
    1,500
    —
    1052 RAT BAY Road2 / 2900—
    1016 Pondview Court3 / 21,500—
    1020 Birch Glen Road3 / 32,000—