Does this property have an HOA?

Yes. The HOA fee is $100 per month.

What are the annual property taxes?

Annual property taxes are $3,544 (2026).

What school district is this property in?

This property is in the 2899 - Plainview-Elgin-Millville school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 76 days.

Listed at

$399,000

$360/sqft

Sandy Cove 1st

40148 Ryans Bay Road, Zumbro Falls, MN, 55991

2 Bedrooms2 Bathrooms1,107 Square Feet0.08 Acres

Days on market76

Year built1988

Garage spaces2

HOA / month$100

TypeResidential

Est. $8,970buyer credit when you buy with SODL

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About this home

Completely Renovated with Exceptional Custom Features! This beautifully updated home is move-in ready and showcases stunning custom hickory cabinetry handcrafted by Paul Haviland in both the kitchen and bathrooms. Enjoy new flooring throughout, fresh paint, and a bright, welcoming interior. Sliding doors off the dining area lead to a deck, perfect for relaxing or entertaining. The property also features an attached 2-car garage, a storage shed, and incredible outdoor amenities including your own volleyball court and private dock. This is a rare opportunity to enjoy quality craftsmanship, modern updates, and a lifestyle designed for both comfort and recreation.

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built1988

LevelsTwo

Living area1,107 sqft

Above-grade finished601 sqft

Below-grade finished506 sqft

Lot size0.08 acres (37x100)

Days on market76

ListedJun 15, 2026

MLS #NST7092974

CountyWabasha

SubdivisionSandy Cove 1st

Parcel #R170044000

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 1 3/4 / 1 half
Heating: Forced Air, Heat Pump
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories: Two
Garage: 2 spaces · 440 sqft
Parking features: Attached Garage, Concrete, Garage Door Opener, Guest Parking
Patio & porch: Deck, Patio, Rear Porch
Exterior features: Fiber Board
Other structures: Storage Shed

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Construction materials: Block, Frame
Foundation: Block · 601 sqft
Roof: Age 8 Years or Less
Year built: 1988

Utilities

Water: Well
Sewer: Other
Fuel: Propane
Electric: Circuit Breakers

Community & HOA

Subdivision: Sandy Cove 1st
HOA: $100/month
HOA name: Sandy Cove Association
HOA phone: 5077532900
HOA includes: Beach Access, Lawn Care, Sanitation, Snow Removal
School district: 2899 - Plainview-Elgin-Millville

Financial & listing details

Annual tax: $3,544 (2026)
Listed: Jun 15, 2026
Days on market: 76 · 15 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths0

3/4 baths1

Half baths1

1/4 baths0

BasementBlock, Finished, Walkout

HeatingForced Air, Heat Pump

CoolingCentral Air

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

DiningBreakfast Bar, Living/Dining Room

AmenitiesCeiling Fan(s), Deck, Dock, Kitchen Window, Patio, Porch, Panoramic View, Sun Room, Washer/Dryer Hookup

AccessibilityNone

Exterior & lot

ExteriorFiber Board

RoofAge 8 Years or Less

FoundationBlock

Foundation area601 sqft

Patio/porchDeck, Patio, Rear Porch

Lot featuresAccessible Shoreline, Tree Coverage - Light

Road frontageTownship

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerOther

FuelPropane

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener, Guest Parking

Garage spaces2

Garage size440 sqft

Financial details

Annual taxes$3,544

Tax year2026

Taxes w/ assessments3544

Assessment pendingYes

HOA fee$100

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2899 - Plainview-Elgin-Millville

District number2899

District phone5075343651

High schoolPlainview-Elgin-Millville

SODL flat fee brokerage

$8,970Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,970

Buyer-side commission

3.0%

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

$2,625/mo

Principal & interest$2,097

Property taxes$295

Home insurance (est.)$133

HOA fees$100

Down payment

$79,800

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.