Lake County property record for 21 James Rd, Silver Bay, MN 55614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,150 sqft · built 1956 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,682 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2019 Refinance |
| APN | 22-7500-23060 |
| Primary APN | 22-7500-23060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Stories | 1 Story |
| Building Area | 1,150 sqft Gross Area |
| 1st Floor Area | 1,150 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 115 ft deep x 69 ft wide |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 210 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 21 JAMES RD |
|---|---|
| City | SILVER BAY |
| State | MN |
| Zip | 55614-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLOCK 23 |
| Legal Subdivision | SILVER BAY 7TH DIV |
| Legal Block | 23 |
| Legal Lot Number | 6 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER BAY |
| Census Block Group | 2 |
| Census Block | 2015 |
| 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 | 21 JAMES RD, SILVER BAY, MN 55614-1219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE |
| Jun 14, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 21 JAMES RD, SILVER BAY, MN 55614-1219 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | T070/35 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | T070/35 |
| Instrument | T000048300 |
| Name | PRIMARY RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 21 JAMES RD, SILVER BAY, MN 55614-1219 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Name | Verified Name |
|---|
| Document Number | T000045740 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | T000045740 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2039 |
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 | $1,682.00 (+11.39%) Homeowner's exemption | $172,100 (-17.18%) Land $18,200 Building $153,900 | $172,100 (-17.18%) Land $18,200 Building $153,900 |
| 2025 | $1,510.00 | ||
| 2023 | $207,800 Land $18,200 Building $189,600 | $207,800 Land $18,200 Building $189,600 |
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 | 0.01% 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 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 |
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