Active

Price cut: $100K (7/13)

$1,250,000

40560 S Bay Dr, Emily, MN 56447

4beds

3,386sqft

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Single Family

Built in 2007

0.78 Acres Lot

$1,207,000 Zestimate^®

$369/sqft

$-- HOA

What's special

Handsome stone fireplaceOversized granite islandBoulder wallsBistro styled dining roomPrivate sun tanning balconyManicured gardens

Everyone will appreciate the blend of Up North character and modern capability in this Ruth Lake home. Inside and out, this property offers elevated features for living, hosting, and relaxing. From the oversized granite island you'll pan from the handsome stone fireplace and living room along a view of lake and nature to the bistro styled dining room. Extend your possibilities out onto the side porch for meals and entertainment. Finish the main floor with a retreat into the quiet main floor Primary Suite. The Upper floor features 3 large bedrooms along with two baths and a 25x16 flex room complete with lake view windows and a private sun tanning balcony. Outside is a refined landscape of thick grass, manicured gardens, and boulder walls surrounding your sand beach waterfront on one of the area's best swimming and boating lakes. For busy holiday weekends and events there are electric hookups for up to 5 RVs. All just a short walk to Emily City Park and amenities.

39 days

823

20

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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 4
Full bathrooms: 1
3/4 bathrooms: 3

Bedroom

Level: Main
Area: 240 Square Feet
Dimensions: 15X16

Bedroom 2

Level: Upper
Area: 442 Square Feet
Dimensions: 17X26

Bedroom 3

Level: Upper
Area: 224 Square Feet
Dimensions: 14X16

Bedroom 4

Level: Upper
Area: 154 Square Feet
Dimensions: 14x11

Deck

Level: Upper
Area: 208 Square Feet
Dimensions: 16x13

Dining room

Level: Main
Area: 150 Square Feet
Dimensions: 10X15

Flex room

Level: Upper
Area: 400 Square Feet
Dimensions: 25x16

Foyer

Level: Main
Area: 60 Square Feet
Dimensions: 5x12

Kitchen

Level: Main
Area: 195 Square Feet
Dimensions: 13X15

Laundry

Level: Main
Area: 63 Square Feet
Dimensions: 9x7

Living room

Level: Main
Area: 304 Square Feet
Dimensions: 19X16

Mud room

Level: Main
Area: 64 Square Feet
Dimensions: 8x8

Porch

Level: Main
Area: 368 Square Feet
Dimensions: 23x16

Other

Level: Basement
Area: 1472 Square Feet
Dimensions: 32x46

Heating

Forced Air, Fireplace(s)

Cooling

Central Air, Dual, Window Unit(s)

Appliances

Included: Central Vacuum, Cooktop, Dishwasher, Double Oven, Dryer, Refrigerator, Stainless Steel Appliance(s), Wall Oven, Washer
Laundry: Laundry Room, Main Level

Features

Central Vacuum
Basement: Block,Full,Other,Storage Space,Sump Basket,Sump Pump,Unfinished
Number of fireplaces: 1
Fireplace features: Living Room, Stone, Wood Burning

Interior area

Total structure area: 4,858
Total interior livable area: 3,386 sqft
Finished area above ground: 3,386
Finished area below ground: 0

Property

Parking

Total spaces: 2
Parking features: Attached, Asphalt, Concrete, Garage, Garage Door Opener, Insulated Garage
Attached garage spaces: 2
Has uncovered spaces: Yes
Details: Garage Dimensions (30x26), Garage Door Height (8), Garage Door Width (10)

Accessibility

Accessibility features: Hallways 42"+

Features

Levels: Two
Stories: 2
Patio & porch: Deck, Other, Side Porch
Pool features: None
Fencing: None
Has view: Yes
View description: Bay, East, Lake, South
Has water view: Yes
Water view: Bay,Lake
Waterfront features: Lake Front, Waterfront Elevation(4-10), Lake Bottom(Excellent Sand)
Frontage length: Water Frontage: 150

Lot

Size: 0.78 Acres
Dimensions: 150 x 242 x 108 x 290
Features: Irregular Lot, Tree Coverage - Light

Details

Additional structures: Other, Storage Shed
Foundation area: 1472
Parcel number: 21270546
Zoning description: Residential-Single Family
Other equipment: Fuel Tank - Rented

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family

Materials

Frame
Roof: Age Over 8 Years

Condition

New construction: No
Year built: 2007

Utilities & green energy

Electric: 200+ Amp Service, Other, Power Company: Crow Wing Power
Gas: Electric, Propane, Wood
Sewer: Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Water: 4-Inch Submersible, Drilled, Private, Well

Community & HOA

Community

Subdivision: Ruth Lake Shores

HOA

Has HOA: No

Location

Region: Emily

Financial & listing details

Price per square foot: $369/sqft
Annual tax amount: $7,064
Date on market: 6/9/2026
Road surface type: Paved

Estimated market value

$1,207,000

$1.15M - $1.27M

$3,334/mo

Price history

Date	Event	Price
7/13/2026	Price change	$1,250,000-7.4%$369/sqft
Source: NorthstarMLS as distributed by MLS GRID #7086909 Report a problem
6/9/2026	Listed for sale	$1,350,000$399/sqft
Source: NorthstarMLS as distributed by MLS GRID #7086909 Report a problem

Public tax history

Tax history is unavailable.

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

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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