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40402 Ryans Bay Road, Zumbro Falls, MN 55991

$494,900

Property Type: Residential Bedrooms: 2 Baths: 1 Square Footage: 1,600 Lot Size (sq. ft.): 8,712 Status: Active

Current Price: $494,900 List Date: 4/02/2026 Last Modified: 6/20/2026

Overview

Description

This charming 2-bedroom, 1-bath home offers comfort, updates, and outdoor enjoyment all in one! Step inside to find new flooring and fresh paint throughout the main level, and a updated bathroom that adds a modern touch. The bright and inviting living spaces flow seamlessly, with two new sliding doors leading out to the deck—perfect for relaxing or entertaining. Outside, you’ll love the added features including a storage shed, cozy firepit area, and a dock, making it easy to enjoy the outdoors and nearby water. A wonderful opportunity for anyone looking for an updated, move-in-ready home with great outdoor amenities!

Listing Details MLS# 7045134

General Property Information

Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Road Btwn WF & Home?: No
Waterfront Frontage: 189
Waterfront YN: Yes
Year Built: 1963
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: Yes
Main Floor Total SqFt: 800
Above Grd Total SqFt: 800
Below Grd Total SqFt: 800
Total SqFt: 1600
Total Finished Sqft: 1400.00
FireplaceYN: Yes
Lake/Waterfront Name: Zumbro
Style: (SF) Single Family
Foundation Size: 800
Power Company: People’s Energy Cooperative
Lot Dimensions: Irregular
Acres: 0.2
Assessment Pending: Yes
Bath Three Quarters: 0
Bath Half: 0
Bath Quarter: 0
Garage Stalls: 0
Association Fee: 0

Property Features

Accessible: None Air Conditioning: Central Air Amenities Unit: Ceiling Fan(s); Deck; Dock; Kitchen Window; Patio; Washer/Dryer Hookup Appliances: Dishwasher; Dryer; Microwave; Range; Refrigerator; Washer Basement: Concrete Block Bath Description: Main Floor Full Bath Construction Materials: Block; Frame Construction Status: Previously Owned Dining Room Description: Breakfast Area Electric: Circuit Breakers Exterior: Wood Family Room Characteristics: Lower Level Fireplace Characteristics: Family Room; Gas Burning; Wood Burning Foundation: Concrete Block Fuel: Propane Heating: Forced Air Internet Options: Fiber Optic Laundry: Electric Dryer Hookup; Lower Level; Washer Hookup Lock Box Type: Supra Lot Description: Accessible Shoreline; Tree Coverage - Medium Parking Characteristics: Carport; Storage Property Subtype: Ranch-Style Home Road Frontage: Township Road Responsibility: Public Maintained Road Sewer: Other Stories: Two Water: Well

Contract Information

Contingency: None
Original List Price: 525000
ListPrice: 494900
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 40402
Street Name: Ryans Bay
Street Suffix: Road
Postal City: Zumbro Falls
County: Wabasha
State: MN
Zip Code: 55991

Assessments

Tax With Assessments: 5768
Assessment Balance: 0

Building Information

Finished SqFt Above Ground: 800
Finished SqFt Below Ground: 600

More Information

Lake Details

Lake Acres: 714
Lake Depth: 43

Lease Details

Land Leased: Not Applicable

Lock Box Type

Lock Box Source: SEMR
Supra: Yes

Miscellaneous Information

DP Resource: Yes
Homestead: No

Ownership

Fractional Ownership: No

Public Survey Info

Range#: 14
Section#: 34
Township#: 109

Office/Member Info

Association: SEMR

Location, Tax and Other Information

AssocFeeYN: No
Legal Description: SECT-34 TWP-109 RANGE-014 PART W1/2SE1/4 AS DESC IN DOC #260548
Listing City: Zumbro Falls
Map Page: 999
Municipality: Zumbro Falls
School District: Zumbrota-Mazeppa
School District Phone: 507-843-4080
DNR Lake ID#: 55000400
DNR Lake Classification: Recreational Development
Zip Plus 4: 5007
Property ID Number: R170029303
Tax Year: 2026
Tax Amount: 5768
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: This charming 2-bedroom, 1-bath home offers comfort, updates, and outdoor enjoyment all in one! Step inside to find new flooring and fresh paint throughout the main level, and a updated bathroom that adds a modern touch. The bright and inviting living spaces flow seamlessly, with two new sliding doors leading out to the deck—perfect for relaxing or entertaining. Outside, you’ll love the added features including a storage shed, cozy firepit area, and a dock, making it easy to enjoy the outdoors and nearby water. A wonderful opportunity for anyone looking for an updated, move-in-ready home with great outdoor amenities!
Directions: Whitebridge Road turn on 11th Ave NE. Follow to Ryans Bay Road to sign.

Accessible

None: Yes

Air Conditioning

Central Air: Yes

Amenities Unit

Ceiling Fan(s): Yes
Deck: Yes
Dock: Yes
Kitchen Window: Yes
Patio: Yes
Washer/Dryer Hookup: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Washer: Yes

Basement

Concrete Block: Yes

Bath Description

Main Floor Full Bath: Yes

Construction Materials

Block: Yes
Frame: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Breakfast Area: Yes

Electric

Circuit Breakers: Yes

Exterior

Wood: Yes

Family Room Characteristics

Lower Level: Yes

Fireplace Characteristics

Family Room: Yes
Gas Burning: Yes
Wood Burning: Yes

Foundation

Concrete Block: Yes

Fuel

Propane: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Internet Options

Fiber Optic: Yes

Laundry

Electric Dryer Hookup: Yes
Lower Level: Yes
Washer Hookup: Yes

Lot Description

Accessible Shoreline: Yes
Tree Coverage - Medium: Yes

Parking Characteristics

Carport: Yes
Storage: Yes

Patio, Porch and Deck Features

Deck: Yes

Property Subtype

Ranch-Style Home: Yes

Road Frontage

Township: Yes

Road Responsibility

Public Maintained Road: Yes

Sewer

Other: Yes

Stories

Two: Yes

Water

Well: Yes

Room Information

Room Name	Level
Bathroom	Main
Bathroom	Lower
Family Room	Lower
First (1st) Bedroom	Main
Kitchen	Main
Living Room	Main
Second (2nd) Bedroom	Main

Listing Office: Elcor Realty of Rochester Inc.

Last Updated: June - 20 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.