Lake County property record for 45 Davis Dr, Silver Bay, MN 55614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1953 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,048 (2026) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Nov 2019 Refinance |
| APN | 22-7450-09530 |
| Primary APN | 22-7450-09530 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Gross Area |
| 1st Floor Area | 1,248 sqft |
| Utility Area | 150 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 151 ft deep x 145 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 180 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 45 DAVIS DR |
|---|---|
| City | SILVER BAY |
| State | MN |
| Zip | 55614-1330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 53 BLOCK 9 |
| Legal Subdivision | SILVER BAY 02 DIV |
| Legal Block | 9 |
| Legal Lot Number | 53 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER BAY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 370300 |
Source: Lake County records, as of October 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH SHORE FEDERAL CREDIT UNION |
| Nov 21, 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 | 45 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00T040/314 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | T040/314 |
| Instrument | T000051676 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 20, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 45 DAVIS DR, SILVER BAY, MN 55614-1330 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Name | Verified Name |
|---|
| Document Number | T000046246 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | T000046246 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 1, 2029 |
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 | $1,048.00 (+9.39%) Homeowner's exemption | $142,800 (-4.93%) Land $20,200 Building $122,600 | $142,800 (-4.93%) Land $20,200 Building $122,600 |
| 2025 | $958.00 | ||
| 2023 | $150,200 Land $20,200 Building $130,000 | $150,200 Land $20,200 Building $130,000 |
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 |
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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