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40560 S Bay Drive, Emily, MN 56447

New Listing

$1,350,000

Welcome to 40560 South Bay Drive on Ruth Lake

150 feet of shoreline with excellent sand beach

Open Kitchen, Dining and Living with large picture windows overlooking the lake

Maintenance free flooring throughout with picturesque views of the lake

Stainless appliances and beautiful granite island

Oversized island with four person seating capability

Large dining area with entrance to additional dining on covered porch

23x16 porch off dining area with gorgeous lake views!

Covered porch is your main entry to the home

Natural light in stairway to upper level

Two sinks plus storage before entry to Upper level Full Bath

Upper level 3/4 Bath with Walk-In Shower

Private paved driveway connecting to garage concrete pad

Firepit with lake views and covered wood storage area behind

Large upper private sun deck and main level side porch

Electric to the left and pump for watering grass

Five RVs all plugged and running at the same time!

Right side of garage find additional RV outlets

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 4,858 Lot Size (sq. ft.): 33,977 Status: Active

Current Price: $1,350,000 List Date: 6/09/2026 Last Modified: 6/09/2026

Overview

Description

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.

Listing Details MLS# 7086909

General Property Information

Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Other Parking Spaces: 3
Road Btwn WF & Home?: No
Waterfront Frontage: 150
Waterfront Present: Yes
Year Built: 2007
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: Yes
Bath Three Quarters: 3
Main Floor Total SqFt: 1472
Above Grd Total SqFt: 3386
Below Grd Total SqFt: 1472
Total SqFt: 4858
Total Finished Sqft: 3386.00
FireplaceYN: Yes
Lake/Waterfront Name: Ruth
Style: (SF) Single Family
Foundation Size: 1472
Power Company: Crow Wing Power
Garage Stalls: 2
Lot Dimensions: 150x242x108x290
Acres: 0.78
Assessment Pending: No
Bath Half: 0
Bath Quarter: 0
Association Fee: 0

Property Features

Accessible: Hallways 42"+ Air Conditioning: Central Air; Dual; Window Unit(s) Appliances: Cooktop; Dishwasher; Double Oven; Dryer; Fuel Tank - Rented; Refrigerator; Washer Basement: Concrete Block; Full; Storage Space; Sump Pump; Unfinished; Other Bath Description: Main Floor 3/4 Bath; Upper Level 3/4 Bath; Upper Level Full Bath; 3/4 Primary; Rough In; Other Construction Materials: Frame Construction Status: Previously Owned Dining Room Description: Living/Dining Room Electric: 200+ Amp Service; Other Elevation Highpoint to Waterfront Slope: Gradual Exterior: Engineered Wood; Other Fencing: None Fireplace Characteristics: Living Room; Stone; Wood Burning Foundation: Concrete Block Fuel: Electric; Propane; Wood Heating: Forced Air Internet Options: Fiber Optic Lake Details: Excellent Sand Laundry: Laundry Room; Main Level Lock Box Type: SentriLock Lot Description: Irregular Lot; Tree Coverage - Light Outbuildings: Other Parking Characteristics: Finished Garage; Garage Door Opener; Insulated Garage Pool Description: None Property Subtype: Cabin Road Frontage: City Street; Paved Streets Road Responsibility: Public Maintained Road Roof: Age Over 8 Years Sellers Terms: Cash; Conventional Sewer: Private Sewer; Septic System Compliant - Yes; Tank with Drainage Field Special Search: Main Floor Laundry; Main Floor Primary Stories: Two Water: 4-Inch Submersible; Drilled; Private; Well Waterfront View: Bay; Lake; South; East

Contract Information

Contingency: None
Original List Price: 1350000
ListPrice: 1350000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 40560
Street Direction Prefix: S
Street Name: Bay
Street Suffix: Drive
Postal City: Emily
County: Crow Wing
State: MN
Zip Code: 56447
Complex/Dev/Subdivision: Ruth Lake Shores

Assessments

Tax With Assessments: 7270
Assessment Balance: 0

Basement

Foundation Dimensions: 32x46
Concrete Block: Yes
Full: Yes
Storage Space: Yes
Sump Pump: Yes
Unfinished: Yes
Other: Yes

More Information

Building Information

Finished SqFt Above Ground: 3386

Elevation Highpoint to Waterfront Feet

Elevation Highpoint Waterfront Feet: 4-10

Lake Details

Lake Acres: 599
Lake Depth: 39
Excellent Sand: Yes

Lease Details

Land Leased: Not Applicable

Lock Box Type

Lock Box Source: GLAR
SentriLock: Yes

Miscellaneous Information

Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 30x26
Garage Door Height: 8
Garage Door Width: 10
Garage Square Feet: 783
Finished Garage: Yes
Garage Door Opener: Yes
Insulated Garage: Yes

Public Survey Info

Range#: 26
Section#: 27
Township#: 138

Office/Member Info

Association: GLAR

Location, Tax and Other Information

AssocFeeYN: No
Legal Description: LOTS 7, 8 & 9 INCLUSIVE. TOG/W ESMNT. RUTH LAKE SHORE PLAT.
Listing City: Emily
Map Page: 999
Municipality: Emily
School District: Crosby-Ironton
School District Phone: 218-545-8801
DNR Lake ID#: 18021200
DNR Lake Classification: General Development
Zip Plus 4: 3007
Property ID Number: 21270546
Tax Year: 2026
Tax Amount: 7064
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: 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.
Directions: From Emily: Go North on Highway 6 for 0.2 miles to Right on Bloomquist Dr. Take immediate Left on South Bay Drive. Follow South Bay 0.4 miles to property on Right.

Accessible

Hallways 42"+: Yes

Air Conditioning

Central Air: Yes
Dual: Yes
Window Unit(s): Yes

Appliances

Cooktop: Yes
Dishwasher: Yes
Double Oven: Yes
Dryer: Yes
Fuel Tank - Rented: Yes
Refrigerator: Yes
Washer: Yes

Bath Description

Main Floor 3/4 Bath: Yes
Upper Level 3/4 Bath: Yes
Upper Level Full Bath: Yes
3/4 Primary: Yes
Rough In: Yes
Other: Yes

Construction Materials

Frame: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Living/Dining Room: Yes

Electric

200+ Amp Service: Yes
Other: Yes

Elevation Highpoint to Waterfront Slope

Gradual: Yes

Exterior

Engineered Wood: Yes
Other: Yes

Fencing

None: Yes

Fireplace Characteristics

Living Room: Yes
Stone: Yes
Wood Burning: Yes

Foundation

Concrete Block: Yes

Fuel

Electric: Yes
Propane: Yes
Wood: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Internet Options

Fiber Optic: Yes

Lake/Waterfront

Lake Front: Yes

Laundry

Laundry Room: Yes
Main Level: Yes

Lot Description

Irregular Lot: Yes
Tree Coverage - Light: Yes

Outbuildings

Other: Yes

Patio, Porch and Deck Features

Deck: Yes
Other: Yes
Side Porch: Yes

Pool Description

None: Yes

Property Subtype

Cabin: Yes

Road Frontage

City Street: Yes
Paved Streets: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Age Over 8 Years: Yes

Sellers Terms

Cash: Yes
Conventional: Yes

Sewer

Private Sewer: Yes
Septic System Compliant - Yes: Yes
Tank with Drainage Field: Yes

Special Search

Main Floor Laundry: Yes
Main Floor Primary: Yes

Stories

Two: Yes

Water

4-Inch Submersible: Yes
Drilled: Yes
Private: Yes
Well: Yes

Waterfront View

Bay: Yes
Lake: Yes
South: Yes
East: Yes

Room Information

Room Name	Dimensions	Level
Deck	16x13	Upper
Dining Room	10X15	Main
First (1st) Bedroom	15X16	Main
Flex Room	25x16	Upper
Fourth (4th) Bedroom	14x11	Upper
Foyer	5x12	Main
Kitchen	13X15	Main
Laundry	9x7	Main
Living Room	19X16	Main
Mud Room	8x8	Main
Porch	23x16	Main
Second (2nd) Bedroom	17X26	Upper
Third (3rd) Bedroom	14X16	Upper
Unfinished	32x46	Basement

Listing Office: Lake Country Properties

Last Updated: June - 09 - 2026

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