Listed at
$389,500
$218/sqft

Cic #1082 Ruttgers Bay Lake Villas

24909 Sandy Lane, Bay Lake Twp, MN, 56444
3  Bedrooms3  Bathrooms1,790  Square Feet0.05  Acres
Days on market440
Year built2006
ParkingGuest Parking
HOA / month$538
TypeResidential
Est. $8,685buyer credit when you buy with SODL
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About this home

This is the property for you if you are searching for -a property that can produce income and allows you, the owner, a wonderful vacation gets away! Condos with a beautiful view of Bay Lake, located at Ruttgers Bay Lake Lodge, a Premier Minnesota Resort. Each condo has three separate units for rental income. Owner use for 21 days during their off season. That's a total of 6 weeks for yourself! All rentals are professionally managed, maintained and rented. Ruttgers offers golfing, fishing, boating, lodging, shopping, salon and spa, take-out and dining! Owners/Investor golf for free on Alec's Nine course and enjoy discounted gold on The Lakes. Full access to Bay Lake, plus all the privileges of Ruttgers resort guests.

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Home facts

Property typeResidential
Property subtypeTownhouse Side x Side
Year built2006
LevelsTwo
Living area1,790 sqft
Above-grade finished1,790 sqft
Below-grade finished0 sqft
Lot size0.05 acres (29x70)
Days on market440
ListedJul 15, 2025
MLS #NST6751120
CountyCrow Wing
SubdivisionCic #1082 Ruttgers Bay Lake Villas
Parcel #50040518

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Dishwasher, Exhaust Fan, Microwave, Range, Refrigerator

Property

Levels / stories
Two
Parking features
Guest Parking, Parking Lot, Unassigned, Open
Pool
None
Fencing
None
View
Lake
Waterfront
Lake Front

Construction

Property type
Residential
Property subtype
Townhouse Side x Side
Construction materials
Wood Siding
Foundation
1,056 sqft
Roof
Age Over 8 Years, Asphalt
Year built
2006

Utilities

Water
Drilled, Private, Shared System
Sewer
Septic System Compliant - Yes, Shared Septic
Electric
Circuit Breakers

Community & HOA

Subdivision
Cic #1082 Ruttgers Bay Lake Villas
HOA
$538/month
HOA name
Bay Lake Villa's Owner Association Inc.
HOA phone
218-678-2885
HOA includes
Beach Access, Maintenance Structure, Cable TV, Hazard Insurance, Lawn Care, Maintenance Grounds, Professional Mgmt, Trash, Sewer, Snow Removal
HOA amenities
Beach, Dock

Financial & listing details

Annual tax
$1,823 (2025)
Tax with assessments
1848.0000
Listed
Jul 15, 2025
Days on market
440 · 71 cumulative

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementNone
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces2
AppliancesDishwasher, Exhaust Fan, Microwave, Range, Refrigerator
AccessibilityNone

Exterior & lot

RoofAge Over 8 Years, Asphalt
Foundation area1,056 sqft
Lot featuresAccessible Shoreline, Some Trees
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceDrilled, Private, Shared System
SewerSeptic System Compliant - Yes, Shared Septic

Parking & garage

ParkingGuest Parking, Parking Lot, Unassigned, Open
Garage spaces0

Financial details

Annual taxes$1,823
Tax year2025
Taxes w/ assessments1848.0000
Assessment pendingYes
HOA fee$538
Down payment resourceY
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number182
District phone218-545-8801
High schoolCrosby-Ironton
SODL flat fee brokerage
$8,685Estimated buyer credit
SODL platform fee $3,000Your buyer credit $8,685

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,867/mo
Principal & interest$2,047
Property taxes$152
Home insurance (est.)$130
HOA fees$538
%
$77,900
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

24909 Sandy Lane, Bay Lake Twp, MN, 56444

Listing information

MLS #NST6751120
StatusActive
Last updatedSep 24, 2025, 1:42 PM
Originally listedJul 15, 2025, 4:23 PM
Listing officeLakes Sotheby's International

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.