Milford Bay, ON
Lumina Resort
Muskoka's four-generation family resort on Lake of Bays since 1921: chef-prepared meals, 36 cottages, 1.6km of shoreline, and 105 years of cottage-country tradition
Seen on the ground
Inside Lumina Resort
Guests and hosts, filmed at the property.
01 - Arrive
The place itself
02 - Feel
Why it is different
Lake of Bays waterfront — 1.6 km of shoreline
The largest cottage resort on Lake of Bays: 100-metre sandy beach, kayaks, canoes, paddleboards, sailboats, and waterskiing on one of Muskoka's most beautiful large lakes.
Chef-prepared meals included
Breakfast and dinner every day, prepared by the resort's Executive Chef and Pastry Chef in a panoramic Muskoka dining room. Three menu choices daily; fresh baking from the Lumina kitchen.
Shore Breakfast on Fire Island
A Lumina institution: boat to the resort's private island, campfire coffee, breakfast cooked over open wood, and morning mist on Lake of Bays. An experience guests describe as the week's highlight.
Four generations — 105 years of tradition
Since 1921 under Hungerford family ownership — the institutional knowledge, continuity, and genuine hospitality that only comes from a resort that has been doing one thing well for over a century.
36 chalet cottages in Muskoka forest
Chalet-style cottages with natural materials, some with fireplaces and balconies — lakeside and woodland views across 240 Muskoka acres. Accommodation with genuine character.
03 - Live here
How the days go
- 1
Arrival on Lake of Bays
The drive through Muskoka to Milford Bay and the first sight of Lake of Bays — one of Muskoka's largest and clearest lakes — sets the register for a week in a place that has been doing this since 1921.
- 2
Your cottage, your pace
Settle into a chalet cottage with woodland or lake view, put the beach towels on the deck railing, and relinquish the planning. Meals are sorted. The children have a program. The canoes are at the dock.
- 3
On Lake of Bays
Kayak through the morning mist, waterski in the afternoon, take the sailboat out before dinner — over 1.6 km of shoreline and one of Muskoka's premier lakes, with every piece of equipment already at hand.
- 4
The Shore Breakfast on Fire Island
Boat to the resort's private island for coffee made bush-style over an open campfire, watching the morning mist rise off the lake. This is the experience that guests come back to Lumina specifically to repeat.
- 5
Dinner in the Muskoka dining room
Chef-prepared dinner in a beam-and-glass-and-stone dining room with panoramic Lake of Bays views — three menu choices, fresh baking from the Lumina kitchen, and the natural end to a day spent on the water.
04 - Stay
Ways to stay
Weekly Cottage Stay
Seasonal weekly rates — confirm at luminaresort.com
The traditional Lumina booking: full week in a chalet cottage with chef-prepared meals, children's program, and all activities included.
Book this packageShort Stay (3–5 Nights)
Seasonal rates — confirm at luminaresort.com
Mid-week or long-weekend cottage stay with all Lumina inclusions — meals, activities, children's program, and beach access on Lake of Bays.
Book this packageWedding at Lumina (Exclusive Use)
Confirm at luminaresort.com for event pricing
Exclusive resort access for wedding weekends — the entire Lumina property as your venue on Lake of Bays. Chef-catered dining and all resort amenities included.
Book this packageMore of the place
More of the place
05 - Know
Before you go
Lumina Resort is at 1348 Fox Point Road, Milford Bay, ON P0B 1E0. From Toronto: take Highway 400 North to Highway 60 East toward Huntsville, then follow local signs toward Lake of Bays and Milford Bay, approximately 2.5 hours. On-site parking included.
Stay for
Weekly bookings are traditional in summer; shorter stays available in shoulder season — confirm at luminaresort.com.
Children
Lumina is a family-friendly resort. The supervised Petticoat Junction children's program is included in every stay.
If plans change
See luminaresort.com for current cancellation and deposit terms.
Where is Lumina Resort located?
Lumina Resort is at 1348 Fox Point Road, Milford Bay, Ontario — on the shores of Lake of Bays in Muskoka, approximately 2.5 hours north of Toronto via Highway 400 and Highway 60 toward Huntsville.
How old is Lumina Resort and who operates it?
Lumina Resort has been operating since 1921 and enters its 105th season in 2026. It has been owned and operated by the Hungerford family for four generations — one of the longest-running family-owned resort operations in Muskoka.
What meals are included in a Lumina stay?
Chef-prepared breakfast and dinner are included in every stay at Lumina — served in the dining room with panoramic Lake of Bays views. Breakfast runs 8:30–10:00 a.m.; dinner 5:30–7:00 p.m. Three menu choices daily including children's options. Lunches can be ordered from the on-site coffee shop or as a packed lunch for picnicking on the lake.
What water activities are available at Lumina?
Lumina's waterfront activity program is comprehensive and included in the stay: kayaks, canoes, paddleboards, sailboats, and paddle boats are available from the dock. Waterskiing instruction and tubing are offered separately. The 100-metre sandy beach on Lake of Bays, one of Muskoka's largest lakes, is the focal point of the summer activity program.
What is the Shore Breakfast experience?
The Shore Breakfast is a Lumina tradition: guests travel by boat to the resort's private Fire Island on Lake of Bays for a breakfast cooked over an open campfire. Coffee made bush-style, the morning mist lifting from the lake, and the quiet of a private island — an experience that has become one of Lumina's most talked-about offerings. An additional cost per person applies; confirm at luminaresort.com.
Is there a children's program at Lumina?
Yes. Lumina's supervised children's program, Petticoat Junction, is included in the cost of every stay at no additional charge. The program is an integral part of the resort's family-focused experience and one of the reasons multi-generational families return to Lumina year after year.
What makes Lumina different from other Muskoka cottage resorts?
Lumina's combination of four-generation family ownership, 105 years of continuous operation, meals included in every stay, a comprehensive children's program, and over 1.6 km of Lake of Bays shoreline is a profile that no other Muskoka resort can fully match. The resort's deeply embedded weekly traditions — shore breakfast, Thursday pizza night, Friday beach barbecue — create a community experience that guests describe as returning to the cottage rather than checking into a hotel.
How do I book at Lumina Resort?
Book directly at luminaresort.com. Summer cottage weeks book well in advance — plan early for July and August. Weddings at Lumina involve exclusive resort use; enquire directly for availability and event packages.
Ask Serena
Serena knows this place
Stay-specific prompts — opens the MindReach getaway planner.
06 - Go
Book on the property site — we do not mark up stays.
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