Lake County property record for 32 Evans Cir, Silver Bay, MN 55614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1956 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $178,000 (Aug 2024) |
| Tax Bill | $1,686 (2026) |
| Deeds & Mortgages | Aug 2021 Sale Jan 2021 Refinance + 1 more |
| APN | 22-7460-12200 |
| Primary APN | 22-7460-12200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 912 sqft Gross Area |
| 1st Floor Area | 912 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Vinyl Panel/Coating |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Bungalow |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 118 ft deep x 148 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 32 EVANS CIR |
|---|---|
| City | SILVER BAY |
| State | MN |
| Zip | 55614-1228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 1ST REARRANGEMENT OF BLK 12 |
| Legal Subdivision | SILVER BAY THIRD ADDITION |
| Legal Block | 12 |
| Legal Lot Number | 20,1 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER BAY |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 370300 |
32 Evans Cir is owned and occupied by an individual who bought it in August 2024.
Source: Lake County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32 EVANS CIR, SILVER BAY, MN 55614-1228 |
| 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 |
|---|---|
| Aug 25, 2021 | Warranty Deed, Transfer |
| Jan 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION |
| Aug 7, 2017 | Warranty Deed, Transfer · ARM NORTH SHORE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2024 · Amount on File |
| Deed Sale | Aug 16, 2024 · Amount on File |
| Prior Sale | Aug 25, 2021 · Amount on File |
| Deed Document Number | 20241682301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Aug 25, 2021 |
| Property Address | 32 EVANS CIR, SILVER BAY, MN 55614-1228 |
| Document Number | T069/217 |
| Book / Page | T069 / 217 |
| Instrument Date | Aug 24, 2021 |
| Instrument | T000048190 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 EVANS CIR, SILVER BAY, MN 55614-1228 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 32 EVANS CIR, SILVER BAY, MN 55614-1228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | T000047418 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | T000047418 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Aug 7, 2017 |
| Property Address | 32 EVANS CIR, SILVER BAY, MN 55614-1228 |
| Document Number | T065/0054 |
| Book / Page | T065 / 0054 |
| Instrument Date | Aug 3, 2017 |
| Instrument | T000044274 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 EVANS CIR, SILVER BAY, MN 55614-1228 |
| Document Number | T065/0054 |
|---|---|
| Date | Aug 7, 2017 |
| Book Page | T065/0054 |
| Instrument | T000044275 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 3, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 3, 2022 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 7% |
| Index | 5-Year CMT |
| Max Rate | 11% |
The 2026 property tax bill for 32 Evans Cir was $1,686 with a homeowner's exemption.
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 | $1,686.00 Homeowner's exemption | $175,900 Land $19,600 Building $156,300 | $175,900 Land $19,600 Building $156,300 |
| 2023 | $177,000 Land $19,600 Building $157,400 | $177,000 Land $19,600 Building $157,400 |
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 32 Evans 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 32 Evans 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 192 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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