40560 S Bay Drive Emily, MN 56447

$1,350,000
Active
estimated monthly payment
4 Beds  |  4 Baths  |  3,386 Sq Ft  |  Single Family  |  MLS # 7086909
  • Welcome to 40560 South Bay Drive on Ruth Lake
    Welcome to 40560 South Bay Drive on Ruth Lake
  • Beautiful setting
    Beautiful setting
  • Gradual elevation to lakeshore
    Gradual elevation to lakeshore
  • 150 feet of shoreline with excellent sand beach
    150 feet of shoreline with excellent sand beach
  • Open Kitchen, Dining and Living with large picture windows overlooking the lake
    Open Kitchen, Dining and Living with large picture windows overlooking the lake
  • Stone wood burning fireplace
    Stone wood burning fireplace
  • Maintenance free flooring throughout with picturesque views of the lake
    Maintenance free flooring throughout with picturesque views of the lake
  • Stainless appliances and beautiful granite island
    Stainless appliances and beautiful granite island
  • Oversized island with four person seating capability
    Oversized island with four person seating capability
  • Large dining area with entrance to additional dining on covered porch
    Large dining area with entrance to additional dining on covered porch
  • 23x16 porch off dining area with gorgeous lake views!
    23x16 porch off dining area with gorgeous lake views!
  • Plenty of seating for lake enjoyment
    Plenty of seating for lake enjoyment
  • Covered porch is your main entry to the home
    Covered porch is your main entry to the home
  • Main entry with built-in storage
    Main entry with built-in storage
  • Main level Primary - Beautiful flooring
    Main level Primary - Beautiful flooring
  • Door to Primary Bath
    Door to Primary Bath
  • Primary 3/4 Bath with Walk-In Shower
    Primary 3/4 Bath with Walk-In Shower
  • Main level Laundry
    Main level Laundry
  • Main level 3/4 Bath
    Main level 3/4 Bath
  • Natural light in stairway to upper level
    Natural light in stairway to upper level
  • Upper Bedroom or Flex Room 25x16
    Upper Bedroom or Flex Room 25x16
  • Another view
    Another view
  • Sliding doors to deck
    Sliding doors to deck
  • Deck has fantastic views of Ruth Lake!
    Deck has fantastic views of Ruth Lake!
  • Upper level BR - 14x16
    Upper level BR - 14x16
  • Upper level BR 14x11
    Upper level BR 14x11
  • Upper level BR above garage 17x26
    Upper level BR above garage 17x26
  • Two sinks plus storage before entry to Upper level Full Bath
    Two sinks plus storage before entry to Upper level Full Bath
  • Full Bath
    Full Bath
  • Upper level 3/4 Bath with Walk-In Shower
    Upper level 3/4 Bath with Walk-In Shower
  • Basement ready for your finishing
    Basement ready for your finishing
  • Workshop with storage
    Workshop with storage
  • Mechanicals
    Mechanicals
  • Rough in Bath with large sink
    Rough in Bath with large sink
  • Entry to Garage
    Entry to Garage
  • 30x26 insulated garage with work area
    30x26 insulated garage with work area
  • Work area
    Work area
  • Finished 783 sq ft
    Finished 783 sq ft
  • Well maintained landscaped yard
    Well maintained landscaped yard
  • Private paved driveway connecting to garage concrete pad
    Private paved driveway connecting to garage concrete pad
  • Additional storage
    Additional storage
  • Firepit with lake views and covered wood storage area behind
    Firepit with lake views and covered wood storage area behind
  • Large upper private sun deck and main level side porch
    Large upper private sun deck and main level side porch
  • Nicely landscaped with solar llights
    Nicely landscaped with solar llights
  • Electric to the left and pump for watering grass
    Electric to the left and pump for watering grass
  • Lakeside seating on paved patio
    Lakeside seating on paved patio
  • Lakeside storage
    Lakeside storage
  • Aerial of property and shoreline
    Aerial of property and shoreline
  • Aerial
    Aerial
  • Aerial
    Aerial
  • Ruth Lake boasts 22' + water clarity
    Ruth Lake boasts 22' + water clarity
  • Aerial of property and Ruth Lake
    Aerial of property and Ruth Lake
  • Five RVs all plugged and running at the same time!
    Five RVs all plugged and running at the same time!
  • Twin 50 amp RV outlets
    Twin 50 amp RV outlets
  • Right side of garage find additional RV outlets
    Right side of garage find additional RV outlets

About The Listing

Everyone will appreciate the blend of Up North character and modern capability in this Ruth Lake home. Inside and out, this property offers elevated features for living, hosting, and relaxing. From the oversized granite island you'll pan from the handsome stone fireplace and living room along a view of lake and nature to the bistro styled dining room. Extend your possibilities out onto the side porch for meals and entertainment. Finish the main floor with a retreat into the quiet main floor Primary Suite. The Upper floor features 3 large bedrooms along with two baths and a 25x16 flex room complete with lake view windows and a private sun tanning balcony. Outside is a refined landscape of thick grass, manicured gardens, and boulder walls surrounding your sand beach waterfront on one of the area's best swimming and boating lakes. For busy holiday weekends and events there are electric hookups for up to 5 RVs. All just a short walk to Emily City Park and amenities.


Listing courtesy of Philip Yetzer, Lake Country Properties
Purchase Price
Loan Type
Down Payment
Interest Rate
Estimated Property Taxes
Homeowner's Insurance
HOA Dues
Private Mortgage Insurance
Ask a Question
Your message has been sent.
Oops! that doesn't seem right.
SEND
Sign Up for a Free Monthly Market Report
Never miss out on the latest stats trends and homes in your community.
Get It Now

Property Details

Features

 
 
 
Property Type: Single Family
Status: Active
Contingency Type: None
Year Built: 2007
MLS #: 7086909
Bedrooms: 4
Square Feet: 3,386
Bathrooms (Full): 1
Price Per Square Foot: $399
Bathrooms (Half) : 0
Bathrooms (Three Quarters) : 3
Garage Spaces: 2
Parking Description: Attached Garage, Asphalt, Concrete, Finished Garage, Garage Door Opener, Insulated Garage
Sewer Description: Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Air Conditioning Type: Central Air, Dual, Window Unit(s)
Water: 4-Inch Submersible, Drilled, Private, Well
Heat Type: Forced Air, Fireplace(s)
Basement: Block, Full, Other, Storage Space, Sump Basket, Sump Pump, Unfinished
Foundation Type: Block
Construction Description: Frame
Roof Description: Age Over 8 Years
Days On Market (Continuous): 0
Disability Features: Hallways 42"+
Latest Update: 06/09/2026
List Date: 06/09/2026
Listing Agent ID: 500501719
Listing Office: Lake Country Properties
Listing Office ID: 25009
Data Source: NorthstarMLS - The Regional MLS of Minnesota
Appliances: Cooktop, Dishwasher, Double Oven, Dryer, Fuel Tank - Rented, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer
Fireplace Features: Living Room, Stone, Wood Burning
Laundry Features: Laundry Room, Main Level
Number of Fireplaces: 1
Exterior Features: Engineered Wood, Other
Fence: None
Lot Dimensions: 150x242x108x290
Lot Size: 0.78 Acres
Pool Description: None
Lot Features: Irregular Lot, Tree Coverage - Light
View Description: Bay, East, Lake, South
Waterfront: Lake Front
School District: Crosby-Ironton
Tax Year: 2026
Estimated Taxes: $7,064
Contingency Type: None
City: Emily
Zip: 56447
County: Crow Wing
Subdivision: Ruth Lake Shores
State: MN
Listing last updated: 06/09/26

® Copyright 2025 Regional Multiple Listing Service of Minnesota, Inc. All rights reserved. The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than the owner of this website are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. Digital Millennium Copyright Act (DMCA) Notice The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the "DMCA"), provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices and counter-notices should be sent in writing by mail to Michael Bisping, Director, Customer Relations, Regional Multiple Listing Service of Minnesota, Inc, 2550 University Avenue West, Suite 259S Saint Paul, MN 55114 or by email to mbisping@northstarmls.com. Questions can be directed by phone to 651-251-3200. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and e-mail address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner's behalf. Failure to include all of the above information may result in the delay of the processing of your complaint. Information Deemed Reliable but not guaranteed.