+ 24 photosFor Sale · Other
1052 RAT BAY Road 107-3, Lake of Bays, ON P1H 2J6
Lake of Bays · Franklin
200 days on market
2
Beds
2
Baths
4
Parking
900-999
Sq ft
16-30 yrs
Built
The honest picture
$39,000 list price. Neighbourhood benchmark for this home type is being prepared.
About this home
- 2 bedrooms, 2 bathrooms, 900-999 sq ft cottage in fractional ownership resort on Lake of Bays with 300 feet of south-facing waterfront.
- Ownership is 1/10th share of the cottage with usage rights for 5 weeks per year: one designated summer week plus 4 floating weeks in other seasons.
- Muskoka Room is fully insulated for year-round use; laundry facilities in cottage.
- Resort amenities include indoor pool, hot tub, sauna, games room, fitness room, sandy beach, water sports equipment, skating rink, tennis court, and walking trails.
- Annual maintenance fee for 2026 is $5,127 plus HST per owner; no HST on resales.
- Pet-free and smoke-free; check-in Fridays at 4 p.m.; boat mooring available during boating season.
- 4 parking spaces included.
Key points summarised from the listing description.
Property details
Listed on
February 27, 2026
Days on market
200 days
Property tax
$0 (2026)
Lot
49.5
Style
Bungalow
Rooms
8
Heating
Baseboard
Cooling
Wall Unit(s)
MLS®
X12825826
Full details
Parking
GarageNone
Driveway2
Total parking4
Parking featuresReserved/Assigned, Mutual
Room dimensions
| Room | Level | Dimensions | Features |
|---|---|---|---|
| Living Room | Main | 13.75 x 10 | — |
| Dining Room | Main | 11 x 10.5 | — |
| Kitchen | Main | 8.08 x 10.5 | — |
| Sunroom | Main | 11.33 x 10.92 | — |
| Primary Bedroom | Main | 13.58 x 11 | — |
| Bedroom | Main | 10.08 x 11 | — |
| Bathroom | Main | 6.58 x 6.58 | — |
| Bathroom | Main | 10 x 5.92 | — |
Property & sold history
Listing history
| Date Start | Date End | Price | Status | Listing ID |
|---|---|---|---|---|
| February 27, 2026 | — | $39,000 | For Sale | X12825826 |
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Run the numbers
True cost to close
What you actually need in cash — land transfer tax, closing costs, and your down payment.
Purchase price
$
Down payment · 20.0%
$
Down:or type any amount above
Legal fees
$
Title insurance
$
Home inspection
$
Ontario land transfer tax$195
Legal · title · inspection$2,800
Closing costs$2,995
Down payment$7,800
Total cash to close$10,795
Estimates only, not legal or tax advice. Ontario LTT rates 2025; City of Toronto MLTT applies inside Toronto (incl. Scarborough, North York, Etobicoke, York, East York). Durham and Markham buyers pay no municipal LTT.
