1052 Rat Bay RD S #126-5, Lake Of Bays, ON P0A 1H0
1052 Rat Bay RD S #126-5 , Lake Of Bays, ON P0A 1H0
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Bed Rooms
3
Bath Rooms
3
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30 photos
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Year Built
--
ON MARKET
217
Property Type
Condo
Price per Sqft
--
Car Garage
3.0
Property Details
Key Details
Sub Type
Co-Ownership Apartment
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
1400-1599
Subdivision
Franklin
MLS Listing ID
X12850002
Style
1 Storey/Apt
Bedrooms
3
Maintenance Fees
$5,450
Tax Year
2025
Property Sub-Type
Co-Ownership Apartment
Location
Province
ON
County
Muskoka
Area
Muskoka
Zoning
Waterfront ResortComm'l withexeption
Body of Water
Lake of Bays
Rooms
Family Room
No
Basement
None
Kitchen
1
Interior
Interior Features
Carpet Free, Primary Bedroom - Main Floor
Cooling
Wall Unit(s)
Fireplaces Type
Propane
Inclusions
All furnishings, equipment of cottage.
Laundry
In Building
Exterior
Exterior Feature
Deck, Landscaped, Fishing, Recreational Area
Parking Features
Reserved/Assigned
Amenities Available
BBQs Allowed, Club House, Communal Waterfront Area, Exercise Room, Game Room, Gym
Waterfront Description
Dock,Beach Front
Roof Type
Asphalt Shingle
Road Frontage
Municipal Road
Exposure
South West
Total Parking Spaces
4
Balcony
None
Building
Building Age
16-30
Foundation
Perimeter Wall, Concrete
Locker
None
Others
Senior Community
No
Security Features
Security Guard
Pets Allowed
No
ParcelsYN
No
Listed by RE/MAX Professionals North
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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1052 Rat Bay RD S #126-5

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