Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $5,768 (2026).

What school district is this property in?

This property is in the 2805 - Zumbrota-Mazeppa school district.

How long has this property been on the market?

This property has been listed for 109 days.

Listed at

$474,900

$339/sqft

40402 Ryans Bay Road

40402 Ryans Bay Road, Zumbro Falls, MN, 55991

2 Bedrooms1 Bathroom1,400 Square Feet0.2 Acres

Days on market109

Year built1963

ParkingCarport

TypeResidential

Est. $11,247buyer credit when you buy with SODL

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About this home

This charming 2-bedroom, 1-bath home offers comfort, updates, and outdoor enjoyment all in one! Step inside to find new flooring and fresh paint throughout the main level, and a updated bathroom that adds a modern touch. The bright and inviting living spaces flow seamlessly, with two new sliding doors leading out to the deck—perfect for relaxing or entertaining. Outside, you’ll love the added features including a storage shed, cozy firepit area, and a dock, making it easy to enjoy the outdoors and nearby water. A wonderful opportunity for anyone looking for an updated, move-in-ready home with great outdoor amenities!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1963

LevelsTwo

Living area1,400 sqft

Above-grade finished800 sqft

Below-grade finished600 sqft

Lot size0.2 acres (Irregular)

Days on market109

ListedApr 2, 2026

MLS #NST7045134

CountyWabasha

Parcel #R170029303

Facts & features

Interior

Bedrooms: 2
Bathrooms: 1
Bath breakdown: 1 full
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: Two
Parking features: Carport, Gravel, Storage
Patio & porch: Deck
Exterior features: Wood
Other structures: Storage Shed
Waterfront: Lake Front

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 800 sqft
Year built: 1963

Utilities

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

Community & HOA

HOA: No HOA
School district: 2805 - Zumbrota-Mazeppa
High school district: Zumbrota-Mazeppa

Financial & listing details

Annual tax: $5,768 (2026)
Listed: Apr 2, 2026
Days on market: 109 · 196 cumulative
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths1

3/4 baths0

Half baths0

1/4 baths0

BasementBlock, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer

DiningBreakfast Area

AmenitiesCeiling Fan(s), Deck, Dock, Kitchen Window, Patio, Washer/Dryer Hookup

AccessibilityNone

Exterior & lot

ExteriorWood

FoundationBlock

Foundation area800 sqft

Patio/porchDeck

Lot featuresAccessible Shoreline, Tree Coverage - Medium

Road frontageTownship

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerOther

FuelPropane

Parking & garage

ParkingCarport, Gravel, Storage

Garage spaces0

Garage size0 sqft

Financial details

Annual taxes$5,768

Tax year2026

Taxes w/ assessments5768

Assessment pendingYes

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2805 - Zumbrota-Mazeppa

District number2805

District phone5078434080

High schoolZumbrota-Mazeppa

SODL flat fee brokerage

$11,247Estimated buyer credit

SODL platform fee $3,000Your buyer credit $11,247

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

$3,135/mo

Principal & interest$2,496

Property taxes$481

Home insurance (est.)$158

Down payment

$94,980

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.