Lake County property record for 39 Davis Dr, Silver Bay, MN 55614
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1953 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $45,000 (Oct 2018) |
| Deeds & Mortgages | Mar 2023 Refinance Mar 2021 Refinance + 4 more |
| APN | 22-7450-09560 |
| Primary APN | 22-7450-09560 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Gross Area |
| 1st Floor Area | 432 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bungalow |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 175 ft deep x 77 ft wide |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 126 sqft |
| Deck Area | 24 sqft |
| Lean-To | 14 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 39 DAVIS DR |
|---|---|
| City | SILVER BAY |
| State | MN |
| Zip | 55614-1330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 56 BLOCK 9 |
| Legal Subdivision | SILVER BAY SECOND DIV |
| Legal Block | 9 |
| Legal Lot Number | 56 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER BAY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 370300 |
Source: Lake County records, as of August 6, 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 | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION |
| Mar 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION |
| Oct 4, 2018 | Warranty Deed, Transfer MINNCO CREDIT UNION |
| Feb 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Feb 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Feb 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2018 · Amount on Record |
| Deed Sale | Oct 4, 2018 · Amount on Record |
| Deed Document Number | 201845253 |
| Prior Transfer Date | Sep 25, 2018 |
| Prior Transfer Doc | 0000045253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00T066/115 |
|---|---|
| Date | Mar 20, 2023 |
| Book Page | T066/115 |
| Instrument | T000049571 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | T000047585 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | T000047585 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Oct 4, 2018 |
| Property Address | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Document Number | T000045253 |
| Book / Page | 115 |
| Instrument Date | Sep 25, 2018 |
| Instrument | T000045253 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Document Number | T000045254 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | T000045254 |
| Name | MINNCO CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 111 Months |
| Due | Jan 1, 2028 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 20, 2018 |
| Property Address | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Document Number | 65/192 |
| Book / Page | 65 / 192 |
| Instrument Date | Jan 29, 2018 |
| Instrument | 000000044678 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13216 ISLAND VIEW DR NW, ELK RIVER, MN 55330-1123 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 20, 2018 |
| Property Address | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Document Number | 000000044676 |
| Instrument Date | Jan 3, 2017 |
| Instrument | 000000044676 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13216 ISLAND VIEW DR NW, ELK RIVER, MN 55330-1123 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 20, 2018 |
| Property Address | 39 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Document Number | 60/257 |
| Book / Page | 60 / 257 |
| Instrument Date | Nov 26, 2016 |
| Instrument | 000000044677 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13216 ISLAND VIEW DR NW, ELK RIVER, MN 55330-1123 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $163,500 (+4.07%) Land $20,900 Building $142,600 | $163,500 (+4.07%) Land $20,900 Building $142,600 |
| 2023 | $157,100 Land $20,900 Building $136,200 | $157,100 Land $20,900 Building $136,200 |
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 | 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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