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Single Family ResidenceResidential
$136,154$131 / 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 76How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

SILVER BAY, MN 55614
3
Beds
2
Baths
1,040 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.
2.08 ac
Lot SizeThe size of the land the home sits on, from county records.
1982
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$136K
$103K low$169K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,186 (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.$335,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$73,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$262,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$304,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$335,500

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.35
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
38
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyLAKE
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1995
Lot (acres)The size of the land the home sits on, from county records.2.08
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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.Porch · 308 ft²

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 · 4.3 mi
M
William M. Kelley Secondary SchoolC
Middle · Grades 6–12 · 4.3 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

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 80% of homes in Lake County
  • Costs less per square foot than 85% of homes in Lake County
  • Has a bigger lot than 70% of homes in Silver Bay 55614
  • Newer than 74% of 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
$58K$894K

This home is worth more than 43% 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$136,154
CheaperTypical $146,373Pricier

Pricier than 43% of homes nearby

Price per ft²$131
CheaperTypical $150Pricier

Pricier than 34% of homes nearby

Living area1,040 ft²
SmallerTypical 960 ft²Bigger

Bigger than 59% of homes nearby

Lot size2.08 ac
SmallerTypical 0.28 acBigger

Bigger than 70% of homes nearby

Year built1982
OlderTypical 1959Newer

Newer than 74% of homes nearby

How ranks against every home in each area.
MeasureThis homeSilver Bay 55614Lake County
Estimated valuepricier than$136,15443% of homes20% of homes
Price per ft²pricier than$13134% of homes15% of homes
Living areabigger than1,040 ft²59% of homes57% of homes
Lot sizebigger than2.08 ac70% of homes55% of homes
Year builtnewer than198274% of homes54% of homes

About

How much is , Silver Bay, MN worth?

The TopHap Estimate for , Silver Bay, MN is $136,154 as of Oct 21, 2026. The likely range is $103,040 to $169,268. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did , Silver Bay, MN last sell?

, Silver Bay, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is , Silver Bay, MN?

, Silver Bay, MN has 3 bedrooms, 2 bathrooms, 1,040 square feet of living space and a 2.08-acre lot.

When was , Silver Bay, MN built?

, Silver Bay, MN was built in 1982, making it 44 years old. It is a ranch home. The building has 1 story.

What schools serve , Silver Bay, MN?

, 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 , 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 43% of them ($136,154 against a typical $146,373), its price per square foot is higher than 34% of them ($131 against a typical $150), it is bigger than 59% of them (1,040 ft² against a typical 960 ft²), its lot is bigger than 70% of them (2.08 ac against a typical 0.28 ac) and it is newer than 74% of them (1982 against a typical 1959). Measured against all of Lake County, it is worth more than 20% 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 , Silver Bay, MN?

The 2026 property tax bill for , Silver Bay, MN was $1,186. The county assessed it at $335,500.

Closest homes

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Assigned schools

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