Wake up to panoramic views of the tranquil lake, with each window framing a picture-perfect view. Enjoy endless summer days lounging on your very own sandy beach, just steps from your doorstep. Nestled in a sought-after location, this home provides convenience & serenity in equal measure. Gather around the fireplace in the inviting family room, perfect for relaxing after a day of lakefront adventures. Prepare delicious meals in the brand new kitchen, conveniently located just steps away from the deck for effortless outdoor dining. Retreat to the main floor primary bedroom, offering convenience & privacy with easy access to the heart of the home. Three bedrooms offer ample space for family & guests, with built-in bunks providing additional sleeping options for maximum comfort. This is more than just a home; it's a lifestyle. Whether you're seeking a peaceful weekend getaway or a year-round retreat, this lakefront paradise offers the perfect blend of luxury, comfort, and natural beauty.
Single-familyProperty Type
1920Year Built
6,098 sq ftLot Size
Listed by Vicki Nelson• Elcor Realty of Rochester Inc.
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Earn from this home
Refinance
$0
Est. cash available
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Rent
$3,019/mo
Redfin rental estimate
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Market trends in 55991, MN
Last updated September 2026
Sale-to-List Price
99.9%
+0.0% MoM
Median sale price
$400K
$40K MoM
Avg. days on market
12d
6 days MoM
Recently sold homes
7
2 MoM
Provided by Redfin
Sale history for 40412 Ryans Bay Rd
Date
Event
Price
NORTHSTARMLS as Distributed by MLS Grid #6682551
Mar 28, 2025
Sold
$667,000
Mar 10, 2025
Listing Removed
—
Mar 10, 2025
Listed
$699,000
NORTHSTARMLS as Distributed by MLS Grid #6541092
Oct 11, 2024
Listing Removed
—
Aug 27, 2024
Price Changed
$699,000
Jul 25, 2024
Price Changed
$749,000
Jun 17, 2024
Price Changed
$789,000
May 30, 2024
Listed
$829,000
NORTHSTARMLS as Distributed by MLS Grid #6415642
Oct 10, 2023
Sold
$406,000
Aug 16, 2023
Pending
—
Aug 10, 2023
Listed
$425,000
+35
Beautiful location on Lake Zumbro. A little TLC will go a long way. Two large bedrooms, one full bath, nice family room overlooking the lake, stainless steel appliances in the kitchen, two porches, patio by the water, deck, swim platform and carport. So many options, leave as is and update or reconfigure to make it your own!
Year
Property tax
Land + Additions
Assessment*
2026
$3,556 (+32.4%)
$161,000 + $227,600
$388,600
2025
$2,686 (+58.2%)
$143,100 + $158,900
$302,000
2024
$1,698 (+3.3%)
$119,300 + $120,400
$239,700
2023
$1,644 (−10.0%)
$106,000 + $102,000
$208,000
2022
$1,826 (+8.3%)
$106,000 + $96,100
$202,100
2021
$1,686 (−2.5%)
$79,500 + $94,600
$174,100
2020
$1,730 (−1.8%)
$79,500 + $95,200
$174,700
2019
$1,762 (+29.0%)
$79,500 + $90,000
$169,500
2018
$1,366 (+11.1%)
$51,000 + $90,500
$141,500
2017
$1,230 (−1.3%)
$51,000 + $75,900
$126,900
2016
$1,246 (+1.6%)
$51,000 + $76,900
$127,900
2015
$1,226
$51,000 + $77,300
$128,300
2014
$1,226 (−3.6%)
$51,000 + $78,300
$129,300
2013
$1,272
$51,000 + $78,800
$129,800
Tax history for 40412 Ryans Bay Rd
Year
Property tax
Land + Additions
Assessment*
2026
$3,556 (+32.4%)
$161,000 + $227,600
$388,600
2025
$2,686 (+58.2%)
$143,100 + $158,900
$302,000
2024
$1,698 (+3.3%)
$119,300 + $120,400
$239,700
2023
$1,644 (−10.0%)
$106,000 + $102,000
$208,000
2022
$1,826 (+8.3%)
$106,000 + $96,100
$202,100
2021
$1,686 (−2.5%)
$79,500 + $94,600
$174,100
2020
$1,730 (−1.8%)
$79,500 + $95,200
$174,700
2019
$1,762 (+29.0%)
$79,500 + $90,000
$169,500
2018
$1,366 (+11.1%)
$51,000 + $90,500
$141,500
2017
$1,230 (−1.3%)
$51,000 + $75,900
$126,900
2016
$1,246 (+1.6%)
$51,000 + $76,900
$127,900
2015
$1,226
$51,000 + $77,300
$128,300
2014
$1,226 (−3.6%)
$51,000 + $78,300
$129,300
2013
$1,272
$51,000 + $78,800
$129,800
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Beds
3
Baths
3
Stories
2
Lot width
—
Lot depth
—
Lot size
574 Sq. Ft.
Year renovated
2010
Sq. Ft.
1,215
Year built
1920
Style
Single Family Residential
County
Wabasha County
APN
R17.00293.06
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 28, 2026.
Property details
Parking
Parking Information
Parking Features: Gravel
Interior
Bedroom Information
# of Bedrooms: 3
Bathroom Information
# of Full Baths (Total): 1
# of Three Quarter Baths (Total): 1
# of Half Baths (Total): 1
Room 1 Information
Room Type: Bathroom
Room Level: Main
Room 2 Information
Room Type: Bathroom
Room Level: Lower
Room 3 Information
Room Type: Family Room
Room Level: Lower
Room 4 Information
Room Type: Bedroom
Room Level: Main
Room 5 Information
Room Type: Informal Dining Room
Room Level: Main
Room 6 Information
Room Type: Kitchen
Room Level: Main
Room 7 Information
Room Type: Laundry
Room Level: Main
Room 8 Information
Room Type: Primary Bathroom
Room Level: Main
Room 9 Information
Room Type: Bedroom 2
Room Level: Upper
Room 10 Information
Room Type: Sitting Room
Room Level: Lower
Room 11 Information
Room Type: Bedroom 3
Room Level: Upper
Room 12 Information
Room Level: Main
Laundry Room Information
Laundry Features: Main Level
Basement Information
Has Basement
Basement Features: Finished, Walkout
Dining Room Information
Dining Room Features: Breakfast Bar,Eat In Kitchen
Other Rooms Information
Main Floor Bedroom,Main Floor Laundry
Fireplace Information
Has Fireplace
# of Fireplaces: 1
Fireplace Features: Electric, Family Room
Heating & Cooling
Heating Information: Forced Air
Cooling Information: Central Air
Interior Features
Appliances: Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances
Directions: Hwy 63 to Whitebridge Road. Turn left. Go to 11th Ave turn a right. Follow that to Ryans Bay Road where you will take a left. Stay on the road. House will be on the right hand side.
Map Coordinate: 999-A1
Public facts
Beds: 3
Baths: 3.0
Sq. Ft.: 1,215
Stories: 2.0
Lot Size: 574 square feet
Style: Single Family Residential
Year Built: 1920
Year Renovated: 2010
County: Wabasha County
APN: R17.00293.06
Home facts updated by county records on Aug 28, 2026
Other
Home Information
Living Area: 1974
Living Area Units: Square Feet
Main Level Finished Area: 684
Building Area Total: 2052
Levels: More Than 2 Stories
Around this home
Schools
Plainview-Elgin-Millville 4-6
Public 4-6 • Assigned • 12.0mi
7/10
Plainview-Elgin-Millville Junior
Public 7-8 • Assigned • 12.3mi
7/10
Plainview-Elgin-Millville High School
Public 9-12 • Assigned • 15.3mi
9/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
2/10 Heat Factor
7 days above 99° expected this year, 15 days in 30 years
2/10 Wind Factor
Minor risk of severe winds over next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Zumbro Falls, MN • 55991
Average low and high temperatures (°F)
23
7
30
14
49
29
57
38
71
48
79
60
85
64
79
59
76
54
65
44
45
31
29
15
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.8 hours in
June and 3.6 hours in December, placing it below the
U.S. average for solar exposure.
9.8 hrs
3.6 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$643,000 – $779,000
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