Lake County property record for 17 Floyd Cir, Silver Bay, MN 55614
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,664 sqft · built 1956 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Sep 2026) |
| Tax Bill | $2,960 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Sep 2020 Refinance + 1 more |
| APN | 22-7460-16090 |
| Primary APN | 22-7460-16090 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 1,664 sqft Gross Area |
| 1st Floor Area | 1,664 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Vinyl Panel/Coating |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 130 ft deep x 124 ft wide |
| Garage Type | Mixed |
| Garage Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 266 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 17 FLOYD CIR |
|---|---|
| City | SILVER BAY |
| State | MN |
| Zip | 55614-1231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLOCK 16 |
| Legal Subdivision | SILVER BAY 3RD DIV |
| Legal Block | 16 |
| Legal Lot Number | 9 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER BAY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 370300 |
17 Floyd Cir is owned and occupied by two individuals who bought it in September 2026.
Source: Lake County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17 FLOYD CIR, SILVER BAY, MN 55614-1231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2026 | Deed, Transfer |
| Sep 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION |
| Jan 3, 2018 | Deed of Trust, Mortgage NORTH SHORE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2026 · Amount on File |
| Deed Sale | Sep 15, 2026 · Amount on File |
| Prior Sale | May 20, 2016 · Amount on File |
| Deed Document Number | 20261921367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 15, 2026 |
| Property Address | 17 FLOYD CIR, SILVER BAY, MN 55614-1231 |
| Document Number | 0001921367 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 20261921367 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17 FLOYD CIR, SILVER BAY, MN 55614-1231 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 17 FLOYD CIR, SILVER BAY, MN 55614-1231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | T000047019 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | T000047019 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 17 FLOYD CIR, SILVER BAY, MN 55614-1231 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000000064/0000000063 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 0000000064/0000000063 |
| Instrument | 000000044615 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 17 Floyd Cir was $2,960 with a homeowner's exemption, up 6.2% from the year before.
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 | $2,960.00 (+6.25%) Homeowner's exemption | $253,400 Land $22,900 Building $230,500 | $253,400 Land $22,900 Building $230,500 |
| 2025 | $2,786.00 | ||
| 2023 | $259,500 Land $22,900 Building $236,600 | $259,500 Land $22,900 Building $236,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 17 Floyd Cir.
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 risk around 17 Floyd Cir is low, with a 0.01% annual chance of 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 | 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 266 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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