OFF MARKET

Off market dec 2021 for $420K

$602,405

Est. refi paymentEst. refi $2,892/mo

•

—

sq ft

40416 Ryans Bay Rd, Zumbro Falls, MN 55991

About this home

Come home to this beautiful 160 ft of lakefront property just minutes from Rochester with incredible views on Lake Zumbro. Spacious lakeside lawn, private dock, impressive landscaping, retaining walls and wraparound deck is the perfect setting for family and friends to gather. This 2 bed, 2 bath home features a main level great room with lots of kitchen cabinets, vaulted ceilings, skylights, hardwood floors and a loft to explore! Spiral staircase leads to lower level family room, laundry, huge walk-in closet and walk-out basement to patio. Property encompasses 2 lots which includes home, garage and separate 640 sq. ft. woodworking shop building with walk-out basement underneath that could be converted into a two-level cabin. Enjoy boating, swimming, waterskiing and a fire on the lake. Winter brings a whole new life to the lake with snowmobiling, snowshoeing, ice fishing. Ryan’s Bay Community Septic coming in 2022. There are so many possibilities with this property, come make it yours!

Single-familyProperty Type

1940Year Built

0.3 acresLot Size

1 car garageParking

Listed by Tricia Felmlee • Counselor Realty of Rochester

Listed by Shirley Lee

Redfin checked: 3 minutes ago

•Source:NORTHSTARMLS as Distributed by MLS Grid #6020227

Redfin Estimate

$602,405

$182K since sold in December 2021$13K since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 76.8% higher than the average sale price ($341K) of 6 comparable homes.

SOLD JUL 21, 2026
$440,000
A
2 beds1 bath— sq ft
40402 Ryans Bay Rd, Zumbro Falls, MN 55991
SOLD JUL 20, 2026
$688,000
B
3 beds2 baths— sq ft
56381 400th Ave, Zumbro Falls, MN 55991
SOLD AUG 5, 2026
$221,000
C
3 beds2 baths— sq ft
313 Cherry St W, Mazeppa, MN 55956
SOLD SEP 29, 2026
$339,900
D
2 beds2 baths— sq ft
10 9th Ave NW, Oronoco, MN 55960
SOLD JUL 31, 2026
$255,000
E
3 beds1 bath— sq ft
278 Chestnut St NE, Mazeppa, MN 55956
SOLD AUG 14, 2026
$100,000
F
3 beds1 bath— sq ft
359 Hill St E, Hammond, MN 55991

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Earn from this home

Refinance

Est. cash available

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Rent

$2,053/mo

Redfin rental estimate

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Market trends in 55991, MN

Last updated September 2026

Sale-to-List Price

99.1%

0.8% MoM

Median sale price

$400K

$40K MoM

Avg. days on market

12d

6 days MoM

Recently sold homes

2 MoM

Provided by Redfin

Sale history for 40416 Ryans Bay Rd

Year

Property tax

Land + Additions

Assessment*

2026

$5,046 (+26.5%)

$354,800 + $179,000

$533,800

2025

$3,988 (+34.4%)

$315,400 + $166,200

$481,600

2024

$2,968 (−13.7%)

$262,800 + $154,800

$417,600

2023

$3,438 (−6.3%)

$280,500 + $133,800

$414,300

2022

$3,670 (+15.3%)

2021

$3,184 (−1.4%)

2020

$3,228 (+0.7%)

2019

$3,206 (+103.2%)

2018

$1,578 (+10.3%)

$66,461 + $95,439

$161,900

2017

$1,430 (+18.8%)

$64,837 + $78,063

$142,900

2016

$1,204 (+0.8%)

$46,888 + $76,612

$123,500

2015

$1,194 (+8.5%)

$46,963 + $77,237

$124,200

2014

$1,100 (−7.3%)

$47,067 + $78,333

$125,400

2013

$1,186

$56,000 + $93,800

$149,800

Tax history for 40416 Ryans Bay Rd

Year

Property tax

Land + Additions

Assessment*

2026

$5,046 (+26.5%)

$354,800 + $179,000

$533,800

2025

$3,988 (+34.4%)

$315,400 + $166,200

$481,600

2024

$2,968 (−13.7%)

$262,800 + $154,800

$417,600

2023

$3,438 (−6.3%)

$280,500 + $133,800

$414,300

2022

$3,670 (+15.3%)

2021

$3,184 (−1.4%)

2020

$3,228 (+0.7%)

2019

$3,206 (+103.2%)

2018

$1,578 (+10.3%)

$66,461 + $95,439

$161,900

2017

$1,430 (+18.8%)

$64,837 + $78,063

$142,900

2016

$1,204 (+0.8%)

$46,888 + $76,612

$123,500

2015

$1,194 (+8.5%)

$46,963 + $77,237

$124,200

2014

$1,100 (−7.3%)

$47,067 + $78,333

$125,400

2013

$1,186

$56,000 + $93,800

$149,800

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

0.3 Acres

Year renovated

1993

Sq. Ft.

702

Year built

1940

Style

Single Family Residential

County

Wabasha County

APN

R17.00293.21

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 28, 2026.

Property details

Parking

Parking Information
Parking Features: Detached, Gravel, Garage Door Opener
Garage Spaces: 1
Garage Dimensions: 22x14
Garage Sq. Ft.: 330
Garage Door Height: 7
Garage Door Width: 9

Interior

Virtual Tour

Bedroom Information
# of Bedrooms: 2

Bathroom Information
# of Full Baths (Total): 1
# of Three Quarter Baths (Total): 1
Description: 3/4 Basement,Main Floor Full Bath,Jetted Tub

Room 1 Information
Room Type: Dining Room
Room Dimensions: 9x14
Room Level: Main

Room 2 Information
Room Type: Family Room
Room Dimensions: 15x16
Room Level: Lower

Room 3 Information
Room Type: Bedroom 1
Room Dimensions: 11.7x17.6
Room Level: Main

Room 4 Information
Room Type: Kitchen
Room Dimensions: 9x12
Room Level: Main

Room 5 Information
Room Type: Laundry
Room Dimensions: 9x6
Room Level: Lower

Room 6 Information
Room Type: Living Room
Room Dimensions: 8x17
Room Level: Main

Room 7 Information
Room Type: Loft
Room Dimensions: 5.4x8
Room Level: Main

Room 8 Information
Room Type: Bedroom 2
Room Dimensions: 11x9
Room Level: Lower

Room 9 Information
Room Dimensions: 20x5.5
Room Level: Lower

Basement Information
Has Basement
Basement Features: Block, Finished, Full, Walkout

Dining Room Information
Dining Room Features: Kitchen/Dining Room

Other Rooms Information
Main Floor Bedroom

Heating & Cooling
Heating Information: Baseboard
Cooling Information: Window Unit(s)

Interior Features
Room Type: Living Room, Dining Room, Family Room, Kitchen, Bedroom 1, Bedroom 2, Loft, Walk In Closet, Laundry
Appliances: Central Vacuum, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer

Exterior

Building Information
Construction Materials: Steel Siding
Foundation Area: 760
Roof: Asphalt

Exterior Features
Fencing: None

Pool Information
Pool Features: None

Waterfront Information
On Waterfront
Waterfront Features: Deeded Access, Dock, Lake Front, Lake View
Water Body Name: Zumbro
Waterfront Num: 55000400
Lake Acres: 714
Lake Classification: Recreational Development
Lake Depth: 43
Waterfront Slope: Gradual
Waterfront Feet: 160
Road Between Waterfront And Home Y/N: No

Property Information
Total Sq. Ft.: 1,268
Above Ground Total Sq. Ft.: 654
Below Ground Total Sq. Ft.: 614
FractionalOwnershipYN: No
Property Type: Residential
Property Sub Type: Single Family Residence
Other Structures: Other, Workshop
Above Grade Finished Area: 654
Below Grade Finished Area: 603
Amenities: Balcony,Ceiling Fan(s),Deck,Dock,Hardwood Floors,Kitchen Window,Panoramic View,Skylight,Boat Slip,In-Ground Sprinkler,Vaulted Ceiling(s),Washer/Dryer Hookup,Walk-In Closet

Lot Information
Lot Features: Accessible Shoreline
Lot Size Area: 0.3
Lot Size Units: Acres
Lot Size Dimensions: Irregular
Road Frontage Type: Township
Road Responsibility: Public Maintained Road

Financial

Assessment Information
Other Annual Assessment Amount: $26.69

Tax Information
Tax Annual Amount: $3,157
Tax Year: 2021
Tax With Assessments: $3,184

Lease / Rent Details
RentalLicense Y/N: No

Utilities

Utility Information
Water Source: Private, Shared System, Well
Electric: 100 Amp Service
Sewer: Private Sewer, Tank with Drainage Field
Fuel: Electric

Location

School Information
High School District: Plainview-Elgin-Millville
School District Number: 2899
School District Phone: 507-534-3651

Location Information
Directions: From 63 North; west on Co. Rd 12 (White Bridge Road); north on 11th Ave NE/turns into Co. Rd 114; west on Ryan’s Bay Road.
Map Coordinate: 999-A1

Public facts

Beds: 2
Baths: 2.0
Sq. Ft.: 702
Stories: 1.0
Lot Size: 0.3 acres
Style: Single Family Residential
Year Built: 1940
Year Renovated: 1993
County: Wabasha County
APN: R17.00293.21

Home facts updated by county records on Aug 28, 2026

Other

Home Information
Living Area: 1257
Main Level Finished Area: 654.0000
Foundation Dimensions: 19x40
Age Of Property: 83
Levels: One

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)

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

$573,000 – $693,000

Sell confidently with a local market expert in Zumbro Falls. 3 minutes to get started.

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Home values near 40416 Ryans Bay Rd

Data from public records.

Address	Redfin Estimate
40502 Ryans Bay Rd, Zumbro Falls, MN 2 Beds \| 1 Baths \| 468 Sq. Ft.	$200,949
40412 Ryans Bay Rd, Zumbro Falls, MN 3 Beds \| 3 Baths \| - Sq. Ft.	$668,800

Address	Redfin Estimate
40402 Ryans Bay Rd, Zumbro Falls, MN 2 Beds \| 1 Baths \| - Sq. Ft.	$492,696
40284 Ryans Bay Rd, Zumbro Falls, MN 3 Beds \| 2 Baths \| 1680 Sq. Ft.	—

Address	Redfin Estimate
40437 Ryans Bay Rd, Zumbro Falls, MN 3 Beds \| 3 Baths \| - Sq. Ft.	$688,145
40286 Ryans Bay Rd, Zumbro Falls, MN 3 Beds \| 2 Baths \| 1456 Sq. Ft.	—

Property information provided by NORTHSTARMLS as Distributed by MLS Grid when last listed in 2021. This data may not match . Learn more.

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