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Single Family ResidenceResidential
$97,465$113 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $140,000 on Oct 20, 2021

5445 ROCKY WALL RD

SILVER BAY, MN 55614
2
Beds
2.3
Baths
864 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
2025
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$97K
$84K low$111K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$140,000 · Oct 20, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$700 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$556,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$140,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$415,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$121,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$556,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.29
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
70
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyLAKE
Lot (acres)The size of the land the home sits on, from county records.5.00
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Pool W/Hot Tub/Spa
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
William Kelley Elementary SchoolC+
Elementary · Grades PK–5 · 1.7 mi
M
William M. Kelley Secondary SchoolC
Middle · Grades 6–12 · 1.8 mi

District: Lake Superior Public School District

Neighborhood · ZIP 55614These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.7

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.75%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.2,605
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.10 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,539
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,394
Average tempThe average temperature here across a full year.38°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

5445 Rocky Wall Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 92% of homes in Lake County
  • Costs less per square foot than 92% of homes in Lake County
  • Has a bigger lot than 79% of homes in Silver Bay 55614
  • Among the newest homes in Silver Bay 55614

What homes are worth in Silver Bay 55614

Each bar is how many homes fall in that price range. The marker is this home.

This home
$62K$819K

This home is worth more than 10% of homes in Silver Bay 55614.

How it measures up in Silver Bay 55614

The dot is this home. The mark in the middle is the typical home in Silver Bay 55614.

Estimated value$97,465
CheaperTypical $155,694Pricier

Pricier than 10% of homes nearby

Price per ft²$113
CheaperTypical $162Pricier

Pricier than 9% of homes nearby

Living area864 ft²
SmallerTypical 960 ft²Bigger

Bigger than 38% of homes nearby

Lot size5 ac
SmallerTypical 0.28 acBigger

Bigger than 79% of homes nearby

Year built2025
OlderTypical 1958Newer

Newer than almost all homes nearby

How 5445 Rocky Wall Rd ranks against every home in each area.
MeasureThis homeSilver Bay 55614Lake County
Estimated valuepricier than$97,46510% of homes8% of homes
Price per ft²pricier than$1139% of homes8% of homes
Living areabigger than864 ft²38% of homes39% of homes
Lot sizebigger than5 ac79% of homes68% of homes
Year builtnewer than2025almost all homesalmost all homes

About 5445 Rocky Wall Rd

How much is 5445 Rocky Wall Rd, Silver Bay, MN worth?

The TopHap Estimate for 5445 Rocky Wall Rd, Silver Bay, MN is $97,465 as of Sep 24, 2026. The likely range is $83,936 to $110,994. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5445 Rocky Wall Rd, Silver Bay, MN last sell?

5445 Rocky Wall Rd, Silver Bay, MN last sold on Oct 20, 2021 for $140,000, according to the county's recorded deed.

How big is 5445 Rocky Wall Rd, Silver Bay, MN?

5445 Rocky Wall Rd, Silver Bay, MN has 2 bedrooms, 2.3 bathrooms, 864 square feet of living space and a 5.00-acre lot.

When was 5445 Rocky Wall Rd, Silver Bay, MN built?

5445 Rocky Wall Rd, Silver Bay, MN was built in 2025, making it 1 years old. The building has 1 story.

What schools serve 5445 Rocky Wall Rd, Silver Bay, MN?

5445 Rocky Wall Rd, Silver Bay, MN is assigned to William Kelley Elementary School (elementary), rated C+; William M. Kelley Secondary School (middle), rated C. All sit in Lake Superior Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5445 Rocky Wall Rd, Silver Bay, MN compare to other homes in Silver Bay 55614?

Among the 1,738 homes in Silver Bay 55614, it is worth more than 10% of them ($97,465 against a typical $155,694), its price per square foot is higher than 9% of them ($113 against a typical $162), it is bigger than 38% of them (864 ft² against a typical 960 ft²), its lot is bigger than 79% of them (5 ac against a typical 0.28 ac) and it is newer than almost all of them (2025 against a typical 1958). Measured against all of Lake County, it is worth more than 8% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 5445 Rocky Wall Rd, Silver Bay, MN?

The 2026 property tax bill for 5445 Rocky Wall Rd, Silver Bay, MN was $700. The county assessed it at $556,000.

More homes on Rocky Wall Rd

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Assigned schools

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