16 James Rd, Silver Bay, MN 55614 Property Records

Lake County property record for 16 James Rd, Silver Bay, MN 55614

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1960
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jan 2022)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
APN	`22-7500-24160`

Property Details

APN / Parcel Number

Primary APN	`22-7500-24160`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Other
Construction Type	Wood
Lot Area	9,148 sqft (0.21 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Pool Type	Pool with Hot Tub/Spa
Deck Area	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	16 JAMES RD
City	SILVER BAY
State	MN
Zip	55614-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLOCK 24
Legal Block	24
Legal Lot Number	16
Jurisdiction	LAKE MN
Township / Civil Division	SILVER BAY
Census Block Group	2
Census Block	2014
Census Tract	370300

Owner

Source: Lake County records, as of August 4, 2023

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
Co-owner	Co-owner on Record
Mailing Address	16 JAMES RD, SILVER BAY, MN 55614-1220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Apr 15, 2005 · Amount on Record
Deed Document Number	48621
Deed Book / Page	T070 / 152
Prior Transfer Date	Jan 11, 2022
Prior Transfer Doc	00T070/152
Record Updated	Jun 7, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jan 11, 2022
Property Address	16 JAMES RD, SILVER BAY, MN 55614-1220
Document Number	00T070/152
Book / Page	T070 / 152
Instrument Date	Jan 6, 2022
Instrument	T000048621
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	16 JAMES RD, SILVER BAY, MN 55614-1220

Mortgage

Document Number	T000048622
Date	Jan 11, 2022
Instrument	T000048622

Lender

Name	PARK STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

Property Jurisdictions

Type	Name
State	Minnesota
County	Lake County
Municipality	Silver Bay City
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$132,700 Land $18,600 Building $114,100	$132,700 Land $18,600 Building $114,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 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
Starlink Satellite	280 / 30