Lake County property record for 21 Arthur Cir, Silver Bay, MN 55614
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 864 sqft · built 1954 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,226 (2026) |
| Deeds & Mortgages | Jul 2019 Refinance |
| APN | 22-7440-03580 |
| Primary APN | 22-7440-03580 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 864 sqft Gross Area |
| 1st Floor Area | 864 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 132 ft deep x 78 ft wide |
| Garage Type | Mixed |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 21 ARTHUR CIR |
|---|---|
| City | SILVER BAY |
| State | MN |
| Zip | 55614-1304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 58 BLOCK 3 |
| Legal Subdivision | SILVER BAY FIRST SUBDIVISION |
| Legal Block | 3 |
| Legal Lot Number | 58 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER BAY |
| Census Block Group | 1 |
| Census Block | 1076 |
| Census Tract | 370300 |
21 Arthur Cir is owned and occupied by an individual who acquired it in February 2010.
Source: Lake County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 ARTHUR CIR, SILVER BAY, MN 55614-1304 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 18, 2010 |
| Transfer Doc | 0000038600 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 21 ARTHUR CIR, SILVER BAY, MN 55614-1304 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2019 |
| Name | Verified Name |
|---|
| Document Number | T000045808 |
|---|---|
| Date | Jul 9, 2019 |
| Instrument | T000045808 |
| Name | LAKE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2026 property tax bill for 21 Arthur Cir was $1,226 with a homeowner's exemption, down 46.1% 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 | $1,226.00 (-46.09%) Homeowner's exemption | $144,000 Land $19,000 Building $125,000 | $144,000 Land $19,000 Building $125,000 |
| 2025 | $2,274.00 | ||
| 2023 | $142,600 Land $19,000 Building $123,600 | $142,600 Land $19,000 Building $123,600 |
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 21 Arthur Cir; 1 flood insurance policy is in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 21 Arthur 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 | 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.
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 104 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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