Cottages For Sale In Ontario Under $250,000 – MLS Listings

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108-8 - 1052 RAT BAY ROAD
Franklin Lake of Bays (Franklin) P1H 2J6

$39,900
Single Family beds: 2 baths: 1.0

Main Photo: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 1: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 2: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 3: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 4: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 5: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 6: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 7: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 8: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 9: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 10: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 11: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 12: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 13: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 14: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 15: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 16: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 17: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 18: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 19: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 20: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 21: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 22: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 23: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 24: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 25: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 26: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 27: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 28: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 29: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 30: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 31: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 32: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 33: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 34: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 35: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 36: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 37: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Photo 38: 108-8 - 1052 RAT BAY ROAD in Lake of Bays (Franklin): Condo for sale : MLS®# X10898413
Status:
Active
Prop. Type:
Single Family
MLS® Num:
X10898413
Bedrooms:
2
Bathrooms:
1
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, 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. (id:2493)
Property Type:
Single Family
Common Interest:
Condo/Strata
Living Area (Min):
900 sq. ft.
Living Area (Max):
999 sq. ft.
Zoning:
Waterfront Resort Commercial with an exception
Association Fee:
427.25
Association Fee Frequency:
Monthly
Association Fee Includes:
Common Area Maintenance, Cable TV, Heat, Electricity, Insurance, Parking
Taxes:
$0 / 2023
Community:
Franklin
Features:
Party Room, Fireplace(s), Visitor Parking
Exterior Features:
Wood
Pool Features:
Inground pool, Indoor pool, Outdoor pool
Community Features:
Pets not Allowed
View:
Lake view
Waterfront:
Waterfront on lake
Water Body Name:
Lake of Bays
Structure Type:
Other
Utilities:
Wireless
Appliances Included:
Water Heater
Home Style:
Bungalow
Bedrooms:
2
Bedrooms Above Grade:
2
Bedrooms Below Grade:
0
Bathrooms:
1.0
Cooling:
Wall unit
Fireplace:
Yes
Fireplaces:
1
Foundation:
Block
Heating:
Baseboard heaters, Propane
# Storeys:
1.0
Basement:
None
Lot Features:
Wooded area, Rolling, Dry, Level
Parking:
No Garage
Total Parking Spaces:
4
Floor
Type
Size
Other
Main level
Living room
19'3" × 10'
-
Main level
Dining room
14'2" × 11'
-
Main level
Kitchen
14'2" × 8'8"
-
Main level
Sunroom
17'8" × 13'9"
-
Main level
Primary Bedroom
17'9¾" × 11'
-
Main level
Bedroom
11' × 10'8"
-
Main level
Other
12'8" × 10'
-
Floor
Ensuite
Pieces
Other
Main level
No
-
10'10" x 10'10"
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Listed by Chestnut Park Real Estate
Data was last updated March 11, 2026 at 12:15 PM (UTC)
Area Statistics
Listings on market:
27
Avg list price:
$769,000
Min list price:
$13,000
Max list price:
$1,695,000
Avg days on market:
209
Min days on market:
6
Max days on market:
911
These statistics are generated based on the current listing's property type and located in Franklin. Average values are derived using median calculations. This data is not produced by the MLS® system.
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