Blue Water Acres fractional ownership resort has almost 50 acres of Muskoka paradise and 300 feet of south facing frontage on Lake of Bays. This is NOT a timeshare but some think it is similar. You would own a 1/10thshare of the cottage that you buy and that gives you 5 weeks of use/year. Algonquin cottage 109 has enough parking for up to 5 cars. Ownership also includes a share in the entire complex. This gives you the right to use the cottage Interval that you buy for five weeks per year: one core summer week plus 4 more floating weeks in the other seasons. 109 Algonquin is a 2 bedroom, 2 bathroom cottage. The Muskoka Room is fully insulated for year-round comfort. Facilities include an indoor swimming pool, whirlpool, sauna, games room, fitness room, activity centre, gorgeous sandy beach with shallow water ideal for kids, great swimming, kayaks, canoes, paddleboats, skating rink, tennis court, playground, and walking trails. You can moor your boat for your weeks during boating season. Check-in is on Fridays at 4 p.m. ANNUAL 2026 maintenance fee for 109 Algonquin cottage PER OWNER is $5127 + HST. Core week 1 for this cottage in 2026 starts on Friday, June 26 and the other 4 weeks for 2026 start on March 6, June 12, June 26 (core), October 30 and Decemer 25, 2026. Ask for the schedule for the coming years, the floating weeks change each year. There is a main floor laundry in the Algonquin cottage. There is NO HST on resales. All cottages are PET-FREE and Smoke-free. Ask Listing Agent for details about fractional ownerships and what the annual maintenance fee covers. Interior photos are of a similar unit but not the exact unit. All furnishings are identical.
2 bedrooms, 2 bathrooms, about 900 sq ft, works out to roughly $44 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 109-1 Rd
Every detail from the listing, in one place.
Style
Bungalow
Living space
900-999 sq ftas stated on the listing
Parking
5 spaces
Basement
None
Features & systems
Parking & garage
Parking spaces
5
Interior
Basement
None
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Other
1052 Rat Bay Rd 109-1 Rd Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X12092857$40,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 1052 Rat Bay Rd 109-1 Rd Compares to the Lake of Bays Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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Monthly cost
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An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$197
/mo
based on the purchase price of $40,000
$8,000 cash
$32,000 financed
$26,952 total interest
Principal54%$32,000
Interest46%$26,952
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 $40K.
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.
Questions About 1052 Rat Bay Rd 109-1 Rd
How much is 1052 Rat Bay Rd 109-1 Rd listed for?
1052 Rat Bay Rd 109-1 Rd is listed at $40,000 (MLS® X12092857). Summitly updates the price as soon as the MLS® record changes.
Is $40,000 a good price for 1052 Rat Bay Rd 109-1 Rd?
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 109-1 Rd changed?
No — 1052 Rat Bay Rd 109-1 Rd is still listed at its original asking price of $40,000.
How many bedrooms and bathrooms does 1052 Rat Bay Rd 109-1 Rd have?
1052 Rat Bay Rd 109-1 Rd 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 109-1 Rd?
About $197 a month — principal and interest on $40,000 with 20% down ($8,000), 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 109-1 Rd compare with other homes in Lake of Bays?
Its asking price of $40,000 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 109-1 Rd been sold before?
Summitly has no earlier MLS® sale or lease of 1052 Rat Bay Rd 109-1 Rd on record from the last two years. Older records aren't shown under TRREB rules.
Where is 1052 Rat Bay Rd 109-1 Rd?
1052 Rat Bay Rd 109-1 Rd 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 109-1 Rd been on the market?
549 days — 1052 Rat Bay Rd 109-1 Rd was listed on April 20, 2025.
What is the price per square foot of 1052 Rat Bay Rd 109-1 Rd?
About $40 to $44 per square foot: the asking price of $40,000 over the 900–999 sq ft the listing gives as its size range.
Does 1052 Rat Bay Rd 109-1 Rd have parking or a garage?
Yes — the listing gives 5 parking spaces.
Does 1052 Rat Bay Rd 109-1 Rd have a basement, and is it finished?
The listing says 1052 Rat Bay Rd 109-1 Rd has no basement.
