Completely Renovated with Exceptional Custom Features! This beautifully updated home is move-in ready and showcases stunning custom hickory cabinetry handcrafted by Paul Haviland in both the kitchen and bathrooms. Enjoy new flooring throughout, fresh paint, and a bright, welcoming interior. Sliding doors off the dining area lead to a deck, perfect for relaxing or entertaining. The property also features an attached 2-car garage, a storage shed, and incredible outdoor amenities including your own volleyball court and private dock. This is a rare opportunity to enjoy quality craftsmanship, modern updates, and a lifestyle designed for both comfort and recreation.
Pending
$399,000
40148 Ryans Bay Rd, Zumbro Falls, MN 55991
2beds
1,107sqft
:
Get pre-qualified$2,668/mo
(TH) Side x Side
Built in 1988
3,484 Square Feet Lot
$391,800 Zestimate®
$360/sqft
$100/mo HOA
What's special
Modern updatesPrivate dockStorage shedIncredible outdoor amenitiesNew flooring throughoutYour own volleyball courtBright welcoming interior
- 53 days |
- 67 |
- 0 |
Zillow last checked:
Listing updated:
Listed by:
Vicki Nelson 507-254-9756,
Elcor Realty of Rochester Inc.
Source: NorthstarMLS as distributed by MLS GRID,MLS#: 7092974
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Bedroom
- Level: Lower
Bedroom 2
- Level: Lower
Bathroom
- Level: Main
Bathroom
- Level: Lower
Family room
- Level: Lower
Informal dining room
- Level: Main
Kitchen
- Level: Main
Living room
- Level: Main
Heating
- Forced Air, Heat Pump
Cooling
- Central Air
Appliances
- Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliance(s), Washer
- Laundry: Electric Dryer Hookup, Lower Level, Washer Hookup
Features
- Basement: Block,Finished,Walk-Out Access
- Has fireplace: No
Interior area
- Total structure area: 1,107
- Total interior livable area: 1,107 sqft
- Finished area above ground: 601
- Finished area below ground: 506
Property
Parking
- Total spaces: 2
- Parking features: Attached, Concrete, Garage Door Opener, Guest
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Patio, Rear Porch
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake Front, Lake View
- Frontage length: Water Frontage: 37
Lot
- Size: 3,484 Square Feet
- Dimensions: 37 x 100
- Features: Accessible Shoreline, Tree Coverage - Light
Details
- Additional structures: Storage Shed
- Foundation area: 601
- Parcel number: R170044000
- Zoning description: Residential-Single Family
Construction
Type & style
- Home type: Townhouse
- Property subtype: (TH) Side x Side
- Attached to another structure: Yes
Materials
- Block, Frame
- Roof: Age 8 Years or Less
Condition
- New construction: No
- Year built: 1988
Utilities & green energy
- Electric: Circuit Breakers
- Gas: Propane
- Sewer: Other
- Water: Well
Community & HOA
Community
- Subdivision: Sandy Cove 1st
HOA
- Has HOA: Yes
- Services included: Beach Access, Lawn Care, Sanitation, Snow Removal
- HOA fee: $100 monthly
- HOA name: Sandy Cove Association
- HOA phone: 507-753-2900
Location
- Region: Zumbro Falls
Financial & listing details
- Price per square foot: $360/sqft
- Tax assessed value: $207,100
- Annual tax amount: $3,544
- Date on market: 6/15/2026
- Cumulative days on market: 54 days
Estimated market value
$391,800
$372,000 - $411,000
$1,611/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/30/2026 | Pending sale | $399,000$360/sqft |
Source:  NorthstarMLS as distributed by MLS GRID #7092974 Report a problem | ||
| 6/15/2026 | Listed for sale | $399,000+62.9%$360/sqft |
Source: NorthstarMLS as distributed by MLS GRID #7092974 Report a problem | ||
| 11/30/2021 | Sold | $245,000$221/sqft |
Source: Public Record Report a problem | ||
| 8/9/2021 | Sold | $245,000-2%$221/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6019452 Report a problem | ||
| 7/7/2021 | Pending sale | $249,900$226/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6019452 Report a problem | ||
| 7/2/2021 | Listed for sale | $249,900$226/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6019452 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,336 +29.3% | $207,100 +6.3% |
| 2024 | $1,806 +0.6% | $194,800 +14% |
| 2023 | $1,796 -0.1% | $170,900 +7% |
| 2022 | $1,798 -1.3% | $159,700 |
| 2021 | $1,822 +1.3% | $159,700 +5.6% |
| 2020 | $1,798 -2.6% | $151,200 +2.3% |
| 2019 | $1,846 | $147,800 +3.4% |
| 2018 | $1,846 +79.7% | $142,900 -0.4% |
| 2017 | $1,027 +2.6% | $143,500 |
| 2016 | $1,001 | -- |
| 2015 | $1,001 -3.5% | -- |
| 2012 | $1,038 | -- |
| 2011 | -- | -- |
| 2010 | -- | -- |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 55991
Nearby schools
GreatSchools rating
- 7/10Plainview-Elgin-Millville 4-6Grades: 4-6Distance: 11.8 mi
- 7/10Plainview-Elgin-Millville JuniorGrades: 7-8Distance: 12 mi
- 9/10Plainview-Elgin-Millville High SchoolGrades: 9-12Distance: 15 mi
- $256,8003 bd1 ba601 sqft40152 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
- $318,4003 bd1 ba601 sqft40146 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
- $261,2003 bd1 ba601 sqft40154 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
- $292,1002 bd1 ba601 sqft40142 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
- $320,7002 bd1 ba601 sqft40140 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
- $574,3002 bd2 ba572 sqft40168 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
- $39,400-- bd-- ba-- sqft40206 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
- $403,5001 bd1 ba540 sqft40216 Ryans Bay Rd, Zumbro Falls, MN 55991Off Market
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
Similar homes
- $349,9002 bd2 ba990 sqft10 9th Ave NW, Oronoco, MN 55960For Sale
MLS ID #7121418, Dalton Travis, Edina Realty, Inc.. NorthstarMLS as distributed by MLS GRID - $224,0003 bd2 ba1.3k sqft692 School Dr, Zumbro Falls, MN 55991For Sale
MLS ID #7116971, Nancy Denzer, Lakeshore Real Estate Krage &. NorthstarMLS as distributed by MLS GRID - $439,9002 bd2 ba1.4k sqft348 105th St NW, Oronoco, MN 55960For Sale
MLS ID #7039112, Carrie Brand, Keller Williams Premier Realty. NorthstarMLS as distributed by MLS GRID - $317,0002 bd1 ba1k sqft1270 Pine Ridge Dr NE, Pine Island, MN 55963For Sale
MLS ID #7109641, Kelly Calvert, Edina Realty, Inc.. NorthstarMLS as distributed by MLS GRID - $425,0003 bd2 ba1.6k sqft15771 Sherwood Trl, Zumbrota, MN 55992For SaleMLS ID #7086655, Molly Schneider, Coldwell Banker Nybo & Assoc. NorthstarMLS as distributed by MLS GRID
- $349,9002 bd2 ba1.2k sqft634 8th St SW, Pine Island, MN 55963For SaleMLS ID #7099665, Donna Sylvester, RE/MAX Advantage Plus. NorthstarMLS as distributed by MLS GRID
- $254,9002 bd2 ba1.3k sqft5155 61st St NW, Rochester, MN 55901For SaleMLS ID #7120975, Thomas Wilson, Keller Williams Premier Realty. NorthstarMLS as distributed by MLS GRID
- $419,0002 bd2 ba1.6k sqft877 Picadilly Ln NW, Rochester, MN 55901New ConstructionMLS ID #7111674, Robin Gwaltney, Re/Max Results. NorthstarMLS as distributed by MLS GRID
- $269,0003 bd2 ba1.6k sqft2861 Agate Pl NW, Rochester, MN 55901For SaleMLS ID #7119445, Ann Doring-Archer, Edina Realty, Inc.. NorthstarMLS as distributed by MLS GRID
- $375,0003 bd2 ba1.3k sqft900 8th Ave SW, Pine Island, MN 55963For SaleMLS ID #7039710, Donald Albert Riley, Homes Plus Realty. NorthstarMLS as distributed by MLS GRID
- $229,9002 bd2 ba1k sqft626 Pointe Ct SW, Rochester, MN 55902For SaleMLS ID #7119554, Peter Dokken, Real Broker, LLC.. NorthstarMLS as distributed by MLS GRID
- $247,0002 bd2 ba1.5k sqft615 Sandy Ct, Wanamingo, MN 55983For SaleMLS ID #7115009, Theresa Radel, Edina Realty, Inc.. NorthstarMLS as distributed by MLS GRID
- $385,0003 bd2 ba1.1k sqft2712 25th Ave SE, Rochester, MN 55904For SaleMLS ID #7073141, Georges Montillet, Dwell Realty Group LLC. NorthstarMLS as distributed by MLS GRID
- $389,9003 bd2 ba1.5k sqft915 11 1/2 St SW, Rochester, MN 55902For SaleMLS ID #7091181, Heidi Hartzell, Lakes Sotheby's International Realty. NorthstarMLS as distributed by MLS GRID
- $310,0003 bd2 ba1.5k sqft2666 E River Rd NE, Rochester, MN 55906For SaleMLS ID #7119110, Daniel Kingsley, eXp Realty. NorthstarMLS as distributed by MLS GRID
- $289,9002 bd2 ba1.3k sqft2619 Tuxedo Ln NW, Rochester, MN 55901For SaleMLS ID #7046621, Nathan K Norrie, Edina Realty, Inc.. NorthstarMLS as distributed by MLS GRID
- $318,0003 bd3 ba1.5k sqft5672 Harvest Moon Blvd NW, Rochester, MN 55901For SaleMLS ID #7094513, Justin Ashbaugh, Re/Max Results. NorthstarMLS as distributed by MLS GRID
- $275,0002 bd2 ba1.2k sqft114 6th Ave NE, Elgin, MN 55932For SaleMLS ID #7118441, Brad F Jech, Tony Montgomery Realty & Auction. NorthstarMLS as distributed by MLS GRID
- $299,9003 bd3 ba1.4k sqft5016 Harvest Lake Dr NW, Rochester, MN 55901For SaleMLS ID #7082523, Denel Ihde-Sparks, Re/Max Results. NorthstarMLS as distributed by MLS GRID
- $330,0002 bd2 ba1.4k sqft147 Highland Cir, Zumbrota, MN 55992For SaleMLS ID #7051983, Ben Olsen, Integrity Realty. NorthstarMLS as distributed by MLS GRID
