Lake of Bays, ON · · MLS® X12017497Updated
$38,900Est. $191/mo mortgage
1052 Rat Bay Rd 109-7 Rd is a 2-bedroom, 2-bathroom home in Lake of Bays, listed for $38,900. It has 900-999 sq ft of living space.
Coldwell Banker Summit Realty, BrokerageZara is an AI virtual agent. Advisors are licensed REALTORS® at Coldwell Banker Summit Realty, Brokerage.
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.
2 bedrooms, 2 bathrooms, about 900 sq ft, works out to roughly $43 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.
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Closed sales on the TRREB MLS®.
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1020 Birch Glen Road
2 bd · 3 ba · Other
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1052 RAT BAY Road
2 bd · 2 ba · Other
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1020 Birch Glen Road
3 bd · 2 ba · Other
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1020 Birch Glen Road
2 bd · 3 ba · Other
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1020 Birch Glen Road
3 bd · 3 ba · Other
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1016 Pondview Court
3 bd · 2 ba · Other
6 nearby sales vs. this home
Closed sales from MLS®, compared with this home's asking price.
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| Home | Sold price | $ / sqft | % of asking | Sold |
|---|---|---|---|---|
This home1052 Rat Bay Rd 109-7 Road 2 bd · 2 ba · 900 sqft | $38,900asking | $43 | — | — |
| 1020 Birch Glen Road 2 bd · 3 ba · 1,800 sqft | ||||
| 1052 RAT BAY Road 2 bd · 2 ba · 900 sqft | ||||
| 1020 Birch Glen Road 3 bd · 2 ba · 1,500 sqft | ||||
| 1020 Birch Glen Road 2 bd · 3 ba · 1,500 sqft | ||||
| 1020 Birch Glen Road 3 bd · 3 ba · 1,800 sqft | ||||
| 1016 Pondview Court 3 bd · 2 ba · 1,500 sqft |
2 bd · 3 ba · 1,800 sqft
2 bd · 2 ba · 900 sqft
3 bd · 2 ba · 1,500 sqft
2 bd · 3 ba · 1,500 sqft
3 bd · 3 ba · 1,800 sqft
3 bd · 2 ba · 1,500 sqft
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Listing brokerage: Chestnut Park Real Estate, BrokerageMLS® X12017497 · Listing data last updated
Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. 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. © 2026 Toronto Regional Real Estate Board. All rights reserved.
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Other 2-bed homes for sale in Lake of Bays around $39K.
Homes for sale in Lake of Bays
Every active Lake of Bays MLS® listing, updated all day.
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.
1052 Rat Bay Rd 109-7 Rd is listed at $38,900 (MLS® X12017497). Summitly updates the price as soon as the MLS® record changes.
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
Yes — it was first listed at $49,900 and is now $38,900, a drop of $11,000 (22.0%).
1052 Rat Bay Rd 109-7 Rd has 2 bedrooms and 2 bathrooms, with about 900–999 square feet of living space. It is a home in Lake of Bays.
About $191 a month — principal and interest on $38,900 with 20% down ($7,780), 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.
Its asking price of $38,900 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.
Summitly has no earlier MLS® sale or lease of 1052 Rat Bay Rd 109-7 Rd on record from the last two years. Older records aren't shown under TRREB rules.
1052 Rat Bay Rd 109-7 Rd is in Lake of Bays, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
1282 days — 1052 Rat Bay Rd 109-7 Rd was listed on April 18, 2023.
About $39 to $43 per square foot: the asking price of $38,900 over the 900–999 sq ft the listing gives as its size range.
Yes — the listing gives 5 parking spaces.
The listing says 1052 Rat Bay Rd 109-7 Rd has no basement.
