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, additional common-area parking, 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.
Active
$399,000
40148 Ryans Bay Rd, Zumbro Falls, MN 55991
2beds
1,107sqft
(TH) Side x Side
Built in 1988
3,484 Square Feet Lot
$386,700 Zestimate®
$360/sqft
$100/mo HOA
What's special
Private dockStorage shedIncredible outdoor amenitiesNew flooring throughoutYour own volleyball courtBright welcoming interiorAdditional common-area parking
- 7 days |
- 507 |
- 9 |
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
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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
Estimated market value
$386,700
$367,000 - $406,000
$1,102/mo
Price history
| Date | Event | Price |
|---|---|---|
| 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 | $1,038 | -- |
| 2011 | -- | -- |
| 2010 | -- | -- |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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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
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.
- Minnesota
- Wabasha County
- Zumbro Falls
- 55991
- 40148 Ryans Bay Rd
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