OFF MARKET

Off Market Mar 2025 for $90K

$176,285

Est. refi paymentEst. refi $590/mo

•

1,500

sq ft

28 James Rd, Silver Bay, MN 55614

About this home

Charming Potential in Silver Bay, MN - 3 Bedroom Opportunity Discover the potential of this charming 2-bedroom, 1-bathroom home with a non-conforming third Bedroom on James Rd in Silver Bay, MN. With a newer roof and a 2-car detached garage featuring additional workspace, this property offers both practicality and room for expansion. Situated on a generous 0.25-acre lot in town, enjoy the convenience of local amenities and the serene beauty of northern Minnesota. Silver Bay is renowned for its outdoor recreation, with hiking and biking trails nearby, easy access to Lake Superior for fishing and boating enthusiasts, and a community spirit that embraces both nature and modern comforts. Inside, this home has a solid foundation but presents an excellent opportunity for updates to maximize its potential. The current layout includes two bedrooms and a non-conforming third room that simply needs a bit of work to become a true third bedroom or larger living space. The boiler heat system ensures efficient warmth during chilly winters, providing comfort and reliability. Imagine transforming the bonus room into a spacious master suite, a cozy guest bedroom, or a dedicated home office. With a little creativity and investment, this property can become your ideal home in Silver Bay. Don’t miss out on this chance to invest in a home that combines the tranquility of northern Minnesota living with the potential to create your dream space. Schedule your showing today and explore the possibilities that await you on James Rd. https://www. youtube.com/watch?v=caUryCN16yo Video about Silverbay

Single-familyProperty Type

1956Year Built

0.25 acresLot Size

$118Est. Price/Sq.Ft.

3 car garageParking

Contact: ***

Bought with Adam Johnson • eXp Realty, LLC- MN

Redfin checked: a minute ago

•Source:LSAR #6114999

Redfin Estimate

$176,285

$86K since sold in March 2025$11K since July

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 28.9% higher than the average sale price ($137K) of 6 comparable homes.

SOLD MAR 6, 2026
$117,000
A
2 beds1 bath768 sq ft
66 Banks Blvd, Silver Bay, MN 55614
SOLD AUG 7, 2026
$165,000
B
3 beds1 bath— sq ft
53 Edwards Dr, Silver Bay, MN 55614
SOLD FEB 2, 2026
$135,000
C
2 beds1 bath1,540 sq ft
52 Davis Dr, Silver Bay, MN 55614
SOLD MAY 20, 2026
$177,000
D
3 beds1 bath— sq ft
48 Davis Dr, Silver Bay, MN 55614
SOLD AUG 10, 2026
$76,500
E
3 beds1 bath— sq ft
24 Horn Blvd, Silver Bay, MN 55614
SOLD AUG 7, 2026
$150,000
F
3 beds1 bath— sq ft
57 Edwards Dr, Silver Bay, MN 55614

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Earn from this home

Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$1,991/mo

Redfin rental estimate

List your home for rent

Market trends in 55614, MN

Last updated July 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-List Price

95.8%

+4.2% MoM

Median sale price

$150K

$10K MoM

Avg. days on market

73d

75 days MoM

Recently sold homes

0 MoM

New listings for sale

$525,000
2 beds2 baths1,824 sq ft
1050 Main St, Beaver Bay, MN 55614
$198,999
3 beds1 bath1,050 sq ft
54 Hays Crk, Silver Bay, MN 55614
OPEN TODAY, 2PM TO 4PM
$699,900
3 beds3 baths1,778 sq ft
120 E Lakeview Dr, Silver Bay, MN 55614
OPEN TODAY, 2PM TO 4PM
$699,900
3 beds3 baths1,778 sq ft
118 E Lakeview Dr, Silver Bay, MN 55614
3D WALKTHROUGH
$1,800,000
3 beds2 baths2,970 sq ft
5998 Highway 61, Silver Bay, MN 55614
3D WALKTHROUGH
$2,100,000
4 beds3 baths4,124 sq ft
6164 Kennedy's Landing Rd, Silver Bay, MN 55614
See all

Provided by Redfin

Sale history for 28 James Rd

Year

Property tax

Land + Additions

Assessment*

2026

$1,254 (+9.6%)

$19,000 + $71,300

$90,300

2025

$1,144 (+132.7%)

$14,929 + $105,291

$120,220

2024

$492 (+11.9%)

$16,701 + $138,444

$155,145

2023

$439 (−66.1%)

$15,312 + $113,782

$129,094

2022

$1,296 (+0.3%)

$8,197 + $77,188

$85,385

2021

$1,292 (+28.3%)

$8,241 + $78,670

$86,911

2020

$1,007 (+51.1%)

$7,372 + $55,014

$62,386

2019

$666 (−34.6%)

$6,622 + $41,267

$47,889

2018

$1,019 (+11.2%)

$8,216 + $51,990

$60,206

2017

$916 (+2.8%)

$8,272 + $53,024

$61,296

2016

$891 (−0.6%)

$8,200 + $53,300

$61,500

2015

$897 (−5.0%)

$8,200 + $53,400

$61,600

2013

$944

$9,900 + $67,500

$77,400

Tax history for 28 James Rd

Year

Property tax

Land + Additions

Assessment*

2026

$1,254 (+9.6%)

$19,000 + $71,300

$90,300

2025

$1,144 (+132.7%)

$14,929 + $105,291

$120,220

2024

$492 (+11.9%)

$16,701 + $138,444

$155,145

2023

$439 (−66.1%)

$15,312 + $113,782

$129,094

2022

$1,296 (+0.3%)

$8,197 + $77,188

$85,385

2021

$1,292 (+28.3%)

$8,241 + $78,670

$86,911

2020

$1,007 (+51.1%)

$7,372 + $55,014

$62,386

2019

$666 (−34.6%)

$6,622 + $41,267

$47,889

2018

$1,019 (+11.2%)

$8,216 + $51,990

$60,206

2017

$916 (+2.8%)

$8,272 + $53,024

$61,296

2016

$891 (−0.6%)

$8,200 + $53,300

$61,500

2015

$897 (−5.0%)

$8,200 + $53,400

$61,600

2013

$944

$9,900 + $67,500

$77,400

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

Baths

Stories

—

Lot width

—

Lot depth

—

Lot size

10,728 Sq. Ft.

Year renovated

1956

Sq. Ft.

1,384

Year built

1956

Style

Single Family Residential

County

Lake County

APN

22-7500-24220

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 12, 2026.

Property details

Parking

Parking/Garage Information
Has Garage
# of Garage Spaces: 3
Parking Features: On Street, Asphalt, Garage Door Opener, Detached

Interior

Virtual Tour

Bathroom Information
# of Full Bathrooms: 1

Heating & Cooling
Cooling: None
Has Heating
Heating: Baseboard, Fireplace(s), Wood, Natural Gas

Interior Features
Interior Features: Ceiling Fan(s), Eat-in Kitchen, Pantry, High Speed Internet, Master Downstairs
Window Features: Wood Frames
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Has Fireplace
# of Fireplaces: 1
Fireplace Features: Wood Burning

Room Information
Laundry Features: Washer Hookup, Main Level
Has Basement
Basement Details: Full, Partially Finished

Exterior

Exterior Features
Roof: Asphalt, Shingle

Building Information
Above Grade Finished Area: 1,170
Below Grade Finished Area: 330
# of Stories Total: 1

Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Raw Mls Property Sub Type: Single Family Detached

Lot Information
Lot Features: Wooded
Road Responsibility: Public Maintained Road
Road Frontage Type: City Street
Lot Size Dimensions: 70 x 145
Lot Size Acres: 0.25

Financial

Tax Information
Tax Annual Amount: $1,696

Utilities

Utility Information
Water Source: Public
Sewer: Public Sewer

Location

Schools Information
High School District: Lake Superior #381

Location Information
Directions: HWY 61 to Silverbay, Turn on Outhere Dr, continue to Horn Blve to James Rd-

Public facts

Beds: 3
Baths: 1.0
Sq. Ft.: 1,384
Stories: —
Lot Size: 10,728 square feet
Style: Single Family Residential
Year Built: 1956
Year Renovated: 1956
County: Lake County
APN: 22-7500-24220

Home facts updated by county records on Aug 12, 2026

Other

Listing Information
AttributionContact: ***

Around this home

Schools

William Kelley Elementary School

Public PreK-5 • Assigned • 0.7mi

7/10

Kelley Secondary

Public 6-12 • Assigned • 0.7mi

5/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

1/10 Heat Factor

7 days above 86° expected this year, 14 days in 30 years

1/10 Wind Factor

Minimal risk of severe winds over next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Silver Bay, MN • 55614

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 8.9 hours in June and 3 hours in December, placing it below the U.S. average for solar exposure.

8.9 hrs

3 hrs

JuneDecember

Provided by Shadowmap

Is this your home?

Track this home’s value and nearby sales activity

Nearby similar homes

$699,900

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6146 Highway 61 Unit Fish Out Of Water, Silver Bay, MN 55614

New listings for sale in 55614

$525,000

2 beds2 baths1,824 sq ft

1050 Main St, Beaver Bay, MN 55614

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3 beds1 bath1,050 sq ft

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OPEN TODAY, 2PM TO 4PM

$699,900

3 beds3 baths1,778 sq ft

120 E Lakeview Dr, Silver Bay, MN 55614

OPEN TODAY, 2PM TO 4PM

$699,900

3 beds3 baths1,778 sq ft

118 E Lakeview Dr, Silver Bay, MN 55614

3D WALKTHROUGH

$1,800,000

3 beds2 baths2,970 sq ft

5998 Highway 61, Silver Bay, MN 55614

3D WALKTHROUGH

$2,100,000

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Home values near 28 James Rd

Data from public records.

Address	Redfin Estimate
24 James Road, Silver Bay, MN 3 Beds \| 2 Baths \| 1200 Sq. Ft.	$220,969
32 James Road, Silver Bay, MN 3 Beds \| 1 Baths \| 960 Sq. Ft.	$173,573

Address	Redfin Estimate
30 James Road, Silver Bay, MN 3 Beds \| 1 Baths \| 960 Sq. Ft.	$197,241
20 James Road, Silver Bay, MN 3 Beds \| - Baths \| 960 Sq. Ft.	$178,385

Address	Redfin Estimate
27 James Road, Silver Bay, MN 3 Beds \| 2 Baths \| 960 Sq. Ft.	$197,573
22 James Road, Silver Bay, MN 3 Beds \| - Baths \| 1048 Sq. Ft.	$169,097

Property information provided by LSAR when last listed in 2024. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 55614, MN

Sale history for 28 James Rd

Tax history for 28 James Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Is this your home?

Nearby similar homes

New listings for sale in 55614

Home values near 28 James Rd

More real estate resources