Lake County property record for 16 Carter Ln, Silver Bay, MN 55614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 940 sqft · built 1953 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $153,000 (Sep 2026) |
| Tax Bill | $1,478 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Oct 2025 Mortgage |
| APN | 22-7440-04210 |
| Primary APN | 22-7440-04210 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 940 sqft Gross Area |
| 1st Floor Area | 940 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Vinyl Panel/Coating |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 127 ft deep x 92 ft wide |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 16 CARTER LN |
|---|---|
| City | SILVER BAY |
| State | MN |
| Zip | 55614-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 21 BLOCK 4 |
| Legal Subdivision | SILVER BAY 1ST DIV |
| Legal Block | 4 |
| Legal Lot Number | 21 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER BAY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 370300 |
Source: Lake County records, as of October 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 16 CARTER LN, SILVER BAY, MN 55614-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2026 | Deed, Transfer |
| Oct 1, 2025 | Warranty Deed, Transfer · Stand-Alone First Mortgage ASSOCIATED BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2026 · Amount on Record |
| Deed Sale | Sep 11, 2026 · Amount on Record |
| Prior Sale | Sep 25, 2025 · Amount on Record |
| Deed Document Number | 20261925690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 11, 2026 |
| Property Address | 16 CARTER LN, SILVER BAY, MN 55614-1314 |
| Document Number | 0001925690 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 20261925690 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CARTER LN, SILVER BAY, MN 55614-1314 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Oct 1, 2025 |
| Property Address | 16 CARTER LN, SILVER BAY, MN 55614-1314 |
| Document Number | 00T063/123 |
| Book / Page | T063 / 123 |
| Instrument Date | Sep 24, 2025 |
| Instrument | T000051552 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | THE TITLE TEAM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CARTER LN, SILVER BAY, MN 55614-1314 |
| Document Number | 00T063/123 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | T063/123 |
| Instrument | T000051553 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Silver Bay City |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,478.00 (-8.08%) Homeowner's exemption | $146,900 (-15.28%) Land $19,000 Building $127,900 | $146,900 (-15.28%) Land $19,000 Building $127,900 |
| 2025 | $1,608.00 | $173,400 (+12.16%) Land $19,000 Building $154,400 | $173,400 (+12.16%) Land $19,000 Building $154,400 |
| 2023 | $154,600 Land $19,000 Building $135,600 | $154,600 Land $19,000 Building $135,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Silver Bay serves 1,826 people · EPA ID MN1380003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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