1052 RAT BAY Road 106-7, Lake of Bays, ON P1H 2J6
Utilities includedHeat · Hydro · Water
Also includedCommon Elements · Parking · Condo Taxes
- Maintenance fee
- $427 / month
- Included in the fee
- Heat, Hydro, Water, Common Elements, Parking, Condo Taxes
Blue Water Acres fractional ownership resort has almost 50 acres of Muskoka paradise and 300 feet (91.44 meters) of south-facing frontage on Lake of Bays. 106 Algonquin is a 2 bedroom cottage. This is NOT a timeshare but some might think it's similar. You would actually own a 1/10th share of the cottage that you buy. Ownership also includes a share in the entire complex. This gives you the right to use the cottage Interval that you buy for only five weeks per year: one core summer week plus 4 more floating weeks in the other seasons. 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 Sundays at 4 p.m. ANNUAL maintenance fee PER OWNER for 106 Algonquin cottage in 2026 is $5127 + HST. Core week 7 for this cottage starts on August 9, 2026 and the remaining weeks for 2026 start (or started) on February 8, May 17, October 4, and November 26/ 2026. There is a laundry in the Algonquin cottage. There is no HST on resales. All cottages are PET-FREE and Smoke-free.
- MLS number
- X13607386
- Type
- Other
- Status
- Active
- Bedrooms
- 2
- Bathrooms
- 2
- Postal code
- P1H 2J6
- Photos
- 34
- Locker
- No
- Laundry
- Inside, Laundry Closet
- Included in the fee
- Heat, Hydro, Water, Common Elements, Parking, Condo Taxes
This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.
Rooms
8 rooms as the listing brokerage filed them, with measurements.
Main
| Room | Size | Features |
|---|---|---|
| Living Room | 5.86 × 3.04 m | — |
| Dining Room | 3.35 × 4.31 m | — |
| Kitchen | 2.64 × 4.31 m | — |
| Sunroom | 4.19 × 5.38 m | — |
| Primary Bedroom | 5.43 × 3.35 m | — |
| Bedroom | 3.25 × 3.35 m | — |
| Bathroom | 3.30 × 3.30 m | — |
| Bathroom | 3.04 × 3.86 m | — |
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Other
- Style
- Bungalow
- Class
- Residential Condo & Other
- Age
- 16-30
- Exposure
- South
- Community
- Franklin
- Municipality
- Lake of Bays
- Cross street
- Hwy 60 and South Portage Rd
- Zoning
- Waterfront Resort Comm'l with exception
Inside
- Bedrooms
- 2
- Bedrooms above grade
- 2
- Bathrooms
- 2
- Washrooms
- 1 on the main floor · 1 on the main floor
- Kitchens
- 1
- Rooms
- 8
- Rooms above grade
- 8
- Fireplace
- Yes
- Fireplaces
- 1
- Basement
- None
- Size
- 900-999
Building
- Construction
- Wood
- Roof
- Shingles
- Foundation
- Block
- Attached
- Yes
Parking
- Covered spaces
- 0
- Driveway spaces
- 2
- Total parking
- 4
- Features
- Reserved/Assigned, Mutual
Land
- Waterfront
- Yes
- View
- Beach, Panoramic, Bay, Lake, Trees/Woods
Heating, cooling and services
- Heating
- Baseboard
- Heat source
- Propane
- Cooling
- Wall Unit(s)
Condominium
- Fee
- $427 / month
- Fee includes
- Heat Included, Hydro Included, Water Included, Common Elements Included, Parking Included, Condo Taxes Included
- Amenities
- Game Room, Gym, Sauna, Tennis Court, Visitor Parking
- Pets
- No
Features
- Property
- Beach, Waterfront
- Interior
- Water Heater
- Exterior
- Deck, Landscaped
Listing
- MLS number
- X13607386
- Status
- New
- Previous status
- Draft
- Listed on
- 2026-07-27
- Expires
- 2027-06-30
- Possession
- 2026-08-14
- Board
- One Point Association of REALTORS
Listing history
No previous listings found for this address.
Where this property is
Where this address sits, matched against open government data.
Matched to the building rather than the unit — every unit in a tower shares one coordinate.
H-Value
What an H-Value is and how it is calculated — the method and our measured error, no account needed.
This neighbourhood
Statistics Canada 2021 Census, for the surrounding few blocks — about 645 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35440165 — the few blocks around this address, home to 645 people. It describes the area, not this property.
Percentages are of the 455 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.
Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.
Work out the numbers
Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.
If you rented it out
How this is calculated, and what it leaves out
Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.
Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.
Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.