4635 Hwy 3, Silver Bay, MN 55614 Property Records

Lake County property record for 4635 Hwy 3, Silver Bay, MN 55614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 2004
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$268,000 (Jul 2019)
Tax Bill	$1,710 (2026)
Deeds & Mortgages	May 2021 Refinance Jul 2019 Sale & Mortgage
APN	`29-5509-13280`

Property Details

APN / Parcel Number

Primary APN	`29-5509-13280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Gross Area
1st Floor Area	1,248 sqft
Utility Area	712 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	435,600 sqft (10 acres)
Garage Type	Mixed
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	352 sqft
Deck Area	27 sqft
Storage Building	512 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	4635 HIGHWAY 3
City	SILVER BAY
State	MN
Zip	55614-3803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 12 OF W 12 OF NE 14 OF NW 14
Legal Range	09W
Legal Township	55N
Legal Section	13
Jurisdiction	LAKE MN
Township / Civil Division	SILVER CREEK
Census Block Group	2
Census Block	2130
Census Tract	370101

Owner

4635 Hwy 3 is owned and occupied by an individual who bought it in July 2019.

Source: Lake County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4635 HIGHWAY 3, SILVER BAY, MN 55614-3803
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.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK
Jul 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Deed Document Number	2019192089
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	4635 HIGHWAY 3, SILVER BAY, MN 55614-3803
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000197245
Date	May 5, 2021
Instrument	A000197245

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 1, 2019
Property Address	4635 HIGHWAY 3, SILVER BAY, MN 55614-3803
Document Number	A000192089
Instrument Date	Jun 21, 2019
Instrument	A000192089
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 HIGHWAY 3, SILVER BAY, MN 55614-3803

Mortgage

Document Number	A000192090
Date	Jul 1, 2019
Instrument	A000192090

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	A000192089
Date	Jul 1, 2019
Instrument	A000192089

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4635 Hwy 3 was $1,710 with a homeowner's exemption.

Source: Lake County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Lake County
County Subdivision	Silver Creek Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,710.00 Homeowner's exemption	$412,400 Land $49,500 Building $362,900	$412,400 Land $49,500 Building $362,900
2023		$300,600 Land $47,600 Building $253,000	$300,600 Land $47,600 Building $253,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 4635 Hwy 3; there have been 1 flood claim nearby since 2017.

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	3 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2017 · river or lake flooding

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

Wildfire risk around 4635 Hwy 3 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Hwy 3

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