Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$186,651$243 / 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 70How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

SILVER BAY, MN 55614
1
Beds
0
Baths
768 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.
20 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$187K
$131K low$242K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$696 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$135,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$36,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$99,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$123,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$135,100

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.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
37
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
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.6 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
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountyLAKE
Lot (acres)The size of the land the home sits on, from county records.20.00
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Space
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.Sauna

Transaction History(1)

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.

M
William M. Kelley Secondary SchoolC
Middle · Grades 6–12 · 12.1 mi
E
William Kelley Elementary SchoolB
Elementary · Grades PK–5 · 12.1 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%

Owner Tools

Do you own this home?
Claim this home

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 72% of homes in Lake County
  • Costs more per square foot than 78% of homes in Silver Bay 55614
  • Smaller than 82% of homes in Silver Bay 55614
  • Has a bigger lot than 93% of homes in Silver Bay 55614
  • Newer than 94% 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
$59K$839K

This home is worth more than 59% 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$186,651
CheaperTypical $165,000Pricier

Pricier than 59% of homes nearby

Price per ft²$243
CheaperTypical $172Pricier

Pricier than 78% of homes nearby

Living area768 ft²
SmallerTypical 960 ft²Bigger

Bigger than 18% of homes nearby

Lot size20 ac
SmallerTypical 0.29 acBigger

Bigger than 93% of homes nearby

Year built2015
OlderTypical 1958Newer

Newer than 94% of homes nearby

How ranks against every home in each area.
MeasureThis homeSilver Bay 55614Lake County
Estimated valuepricier than$186,65159% of homes28% of homes
Price per ft²pricier than$24378% of homes39% of homes
Living areabigger than768 ft²18% of homes27% of homes
Lot sizebigger than20 ac93% of homes87% of homes
Year builtnewer than201594% of homes93% of homes

About

How much is , Silver Bay, MN worth?

The TopHap Estimate for , Silver Bay, MN is $186,651 as of Aug 30, 2026. The likely range is $131,261 to $242,041. 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 1 bedrooms, 768 square feet of living space and a 20.00-acre lot.

When was , Silver Bay, MN built?

, Silver Bay, MN was built in 2015, making it 11 years old. It is a bungalow home. The building has 1 story.

What schools serve , Silver Bay, MN?

, Silver Bay, MN is assigned to William M. Kelley Secondary School (middle), rated C; William Kelley Elementary School (elementary), rated B. 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 1,734 homes in Silver Bay 55614, it is worth more than 59% of them ($186,651 against a typical $165,000), its price per square foot is higher than 78% of them ($243 against a typical $172), it is bigger than 18% of them (768 ft² against a typical 960 ft²), its lot is bigger than 93% of them (20 ac against a typical 0.29 ac) and it is newer than 94% of them (2015 against a typical 1958). Measured against all of Lake County, it is worth more than 28% 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 2025 property tax bill for , Silver Bay, MN was $696. The county assessed it at $135,100.

Closest homes

More homes in Silver Bay 55614

Assigned schools

Explore the area

See this home in context

Open on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map