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Short Term Rental Accommodations

Images of Muskoka chairs on dock, facing a lake and trees

From weekend visits to lifelong memories, Short Term Rental Accommodations (STRAs) offer a way for everyone to experience Muskoka Lakes. Whether you're looking to apply for a license, confirm a rental, or simply curious about how it all works, you’ll find everything you need right here.

To keep things safe, respectful, and neighbourly, the Township’s Short Term Rental Accommodation Licensing By-law 2025-049 is now in effect.

NEW | Apply Online

Thinking of renting your home short‑term? Get licensed online today.

Apply by September 30, 2025 to receive 20% off your first annual licence fee. Approved licenses will run November 1, 2025 – November 1, 2026.

Before you apply:

  • Read this page in full, including the Application Process, Application Resources, and FAQs sections

  • Complete the Pre‑Application Checklist (incomplete applications will not be reviewed)

  • Familiarize yourself with Cloudpermit by reviewing “How to Navigate the Cloudpermit Process”

  • Select the 'CLICK HERE TO APPLY' button below to create a Cloudpermit account and submit your application 

To navigate the Cloudpermit process, following the steps outlined below and click onto the hyperlinked resources labeled as 'Support' for more details:

1. Log in to Cloudpermit as a registered user (Support)

2. Determine the property location (Support)

3. Parties to the Application (Support)

4. Assign Yourself to Multiple Roles in the Application (Support)

5. Once Parties Section is Complete, Move to Application Forms and Click on STRA Application Form to Complete

6. Once Application Form is Complete, Move to Attachments and Upload Documents

7. Required Tasks Progress Bar (Support)

8. How to sign off and submit the application (Support)
(Example shown is Building Permit Applications, feature is the same for Licensing Applications)

For further assistance, view the Cloudpermit Applicant User Guide: https://support.cloudpermit.com/support/solutions/67000379492


Click the image below to watch a step-by-step demo (skip to 12:36).

Please note this demo was part of the STRA Webinar recorded on July 26, 2025. The demo is available from12:36 - 21:20. 

Cloudpermit program with a play button in the middle

Application Process

  1. Ensure all outstanding fees and fines are paid for the property and owner. 
  2. Review and complete the Pre-Application Checklist. 
  3. Review the Application Resources for assistance.
  4. Prepare the application fee: 
  • For properties in the Waterfront or R4 zones (Community Waterfront Residential), the application fee is $1,000.00 annually. 
  • For all other zones, the application fee is $500.00 annually.
    To confirm the zoning of a property is please visit the Muskoka Geohub. 

Operators can now submit their applications through our online portal. Once your application has been confirmed to be complete, an invoice will be sent to you directly through the portal.

Please Note: The Township is anticipating a large volume of applications during the initial implementation of the program given the number of known short term rental accommodations in the Township. As a result, review times may be delayed while the Township works diligently to circulate applications to all relevant departments and review applications as quickly and efficiently as possible. 

Due to the anticipated influx, we encourage operators to submit their applications as early as possible.

If you have successfully obtained a license, please ensure you:

  • Add the license number to all advertisements; 
  • Display your issued License in a conspicuous place inside the STRA premises;
  • Ensure the Renter’s Information Package is in an accessible location for renters; 
  • Ensure compliance with the terms and conditions of the license and all applicable laws; 
  • Remember to renew your license annually. 

Rental Restrictions

  • All STRAs have an occupancy limit of two (2) persons per bedroom. If an applicant can demonstrate to the satisfaction of the Township that the sewage disposal system serving the premises was designed and constructed in compliance with the Ontario Building Code to accommodate a higher occupancy number, the Township may increase the maximum occupancy number on the issued license.
  • Only one (1) STRA license will be issued per premises.  In other words, an operator cannot rent different buildings to different rental groups at the same time. All habitable buildings can be rented out. This includes sleeping cabins/bunkies and second storey boathouses.

For those STRs located in the Waterfront Residential, Community Residential (R4) or Waterbody Open Space Zone, the following additional restrictions apply:

  • In June, July and August, a minimum of seven (7) consecutive nights in each month must be taken off
    from operating an STRA, known as the “Summer Monthly Break”, and;
  • Between the Friday immediately preceding Victoria Day to the Tuesday immediately following Labour Day, only one (1) rental group is permitted per every six (6) consecutive night period, known as the “Summer Rental Frequency”.
  • For properties located in all other zones, rental restrictions 1 and 2 do not apply but the occupancy limits must be adhered to. 
calendar with examples of rentals
calendar with examples of rentals

  • The week off restriction simply must be 7 consecutive nights. The calendar is only for illustration purposes. The week off can be from Tuesday to Tuesday or Wednesday to Wednesday, etc.
  • The week off cannot straddle over two months.
  • A break between rental groups is not required if rentals are longer than 6 consecutive nights in the summer, provided you are also able to maintain the required week off in each of June, July, August.
  • Information on the occupancy limit of your private sewage disposal system may be found on a recent building permit or by contacting the Township’s Building Department
  • To find out how your property is zoned, please use Muskoka GeoHub or contact the Township’s Planning Department.
  • Owners and their family/friends are still permitted to occupy the STRA when it is not rented at any point throughout the year. 

Appeals and Hearings

If an STRA owner’s license application has been refused, or their license has been suspended or revoked, they will no longer be able to operate the STRA. The owner will be notified with an explanation. If the owner does not agree with the decision, the owner has 30 days from the date of receiving the decision to request an appeal with the Township Appeals Committee:

  1. Complete the Appeal Request Form and pay the Appeal Fee of $500.00 to the Township. 
  2. The Township will schedule a Hearing with the Appeal Committee and will notify the owner of the date and time. If the owner would like to submit any documents for the committee to review, they must be sent to the Township at least one business day in advance of the Hearing to bylaw@muskokalakes.ca.
  3. The decision of the Appeals Committee is final and binding.

Frequently Asked Questions

Understanding STRA Requirements

A Premises is the property in which a short term rental accommodation is operating on and includes all legal buildings, structures, and features on the property. 

If you rent your property for over 28 consecutive days or are a hotel, motel, bed & breakfast, private camp, tent and trailer park, or rooming house, you are not required to obtain a STRA license.  

STRAs are not permitted to be operated out of non-habitable spaces, motor vehicles trailers, vessels (whether docked or not), and community housing. 

A cottage can be loaned to friends or family provided that it is not provided by way of concession, permit, lease, license, rental agreement or similar arrangement. 

 No

 Yes

Licensing and Application Process

Given that there will be an influx of applications, we are unable to give an exact timeline for review at this time.

The Township will be working diligently to circulate applications to all relevant departments and review applications as quickly and efficiently as possible.

Owners are permitted to continue operating their STRA after they have applied, unless the Township has identified a concern.  

There is no mandatory inspection requirement within the by-law however, during the Township’s review of an application, if a concern is identified and an inspection is required, the Township will notify the owner. The owner will be required to pay an Inspection Fee depending on which division (Building, By-law or Fire Dept.) will be conducting the inspection. 

There may be circumstances where staff will be required to enter the dwelling of a STRA property to confirm compliance with the requirements of the By-law and/or other legislation. If entry is refused and staff cannot confirm compliance it may result in the application being refused.

In general, a property will be reviewed to ensure all permits related to an STRA application have had an occupancy certificate issued and file closed. 

If any open permits are discovered, inspections will be required, and the provisions of the building code in force at the time of the permit issuance will be applied. 

For example, regarding battery operated smoke and carbon monoxide alarms, these remain acceptable provided the building constructed predates the code requirement for hardwired smoke and carbon monoxide alarms.

In the event a building predates the Ontario Building Code, these buildings will be reviewed with life safety considerations primarily ensuring no element of the building is considered unsafe as outlined by the Building Code Act and Fire Code. 

If you submit your application by September 30, 2025 you will receive a 20% discount on your license fee.

No.

If you apply for your license by September 30, 2025, you will receive the 20% discount on your license fee and your license will be valid from November 1, 2025 until November 1, 2026.

Operating a STRA

The By-law permits only one license per premises.

On one property you could have multiple buildings, however you can only have one rental group at a time. Whether or not your rental group rents out one or all buildings is an owner’s decision, however it must comply with the occupancy restriction of 2 persons per bedroom and within the limit of your approved sewage disposal system.

 

Yes, these provisions only apply to Waterfront and R4 (Community Waterfront Residential) zoned properties that operate a short term rental accommodation and are only subject to dates between the Friday before Victoria Day weekend to the Tuesday after Labour Day weekend of each year: 

  • All Waterfront and R4 (Community Waterfront Residential) STRA owners must take a one week break from renting (seven consecutive nights) during the summer months. 
  • All Waterfront and R4 (Community Waterfront Residential) STRA owners are limited to accommodating only one rental group every six consecutive nights. There is no minimum or maximum number of nights per stay. 
calendar with examples of rentals
calendar with examples of rentals

 

Enforcement and Compliance

If an application is refused, the owner will be notified and provided with an explanation. Owners will have the opportunity to bring the property into compliance with any regulations while their application is placed on hold. No rentals will be permitted until the license is issued.

If a STRA owner’s license is suspended or revoked, they will no longer be able to operate the STRA. The owner will be notified with an explanation and will be required to return the license.

Owners found advertising or operating a STRA without a required license could face a monetary penalty of $5,000 per day that the STRA is operated/advertised for. 

Yes, the Township can hold both the owner and renter responsible for any by-law contravention. Municipal Law Enforcement Officers have a variety of tools they can use to address by-law contraventions.

The Administrative Monetary Penalty System (AMPS) By-law provides officers with the ability to issue monetary penalties against property owners and renters if a by-law is contravened. To find out more information about AMPS, please refer to the Administrative Monetary Penalty System (AMPS) By-law. 

All By-law complaints will be investigated for merit.  Complaints will be closed where no merit has been found. The Municipality has a policy in place on how to deal with frivolous or vexatious complaints. 

The Short Term Rental Licensing By-law provides officers with the ability to apply demerit points against an owner if a by-law is contravened. Offences carry various demerit points which expire after three years from the issuance of the demerit points. Once a property accumulates fifteen points within a three-year period, the license will be suspended, and the owner can no longer operate the STRA for a period determined by the Township. To find out more information about the demerit point system please refer to the Short Term Rental Licensing By-law, and review Schedule “B”.

Demerit points cannot be appealed until a maximum of 15 points have been incurred, and the license has been suspended.

Please visit Report a Concern

Information Session

To learn more about Short Term Rental Accommodations or how to apply for a license, click the image below to watch our latest information session.

Aerial view of lake and trees, with overlay of text stating Short Term Rental Accommodations Information Session and a play button

Still Have Questions?

Contact
Carly Bray
Licensing Officer, Township of Muskoka Lakes
T: 705-765-3156 ext. 357 | F: 705-765-6755
Send Email to Licensing Officer

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