Listed at
$279,000
$102/sqft

Silver Bay 07 Div

84 Hays Circle, Silver Bay, MN, 55614
4  Bedrooms3  Bathrooms2,722  Square Feet0.2  Acres
Days on market3
Year built1958
Garage spaces1
TypeResidential
Est. $5,370buyer credit when you buy with SODL
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About this home

Nestled on a large park-like lot with woods right in your backyard, this custom-designed 4-bedroom, 3-bath, one-and-a-half-story home offers the perfect blend of comfort, nature, and recreation. Step inside to a welcoming living room filled with natural light that flows seamlessly into the formal dining room, creating an inviting space for entertaining family and friends. The efficient kitchen features stainless steel appliances and convenient nearby laundry facilities, making everyday living easy and functional. The main level includes a spacious primary bedroom with beautiful hardwood flooring, along with a second bedroom currently used as a home office. Upstairs, you'll find two generously sized bedrooms, a full bath, and ample storage spaces to keep everything organized. The lower level offers a wide-open family room featuring cozy carpeting and a wood-burning fireplace, perfect for relaxing evenings. A versatile bonus room provides space for an exercise room, craft area, or additional office. A convenient quarter bath, workshop area, and abundant storage complete the basement level. The backyard is a true retreat where the beauty of the surrounding woods invites you to slow down and enjoy the wonders of nature. Whether you're savoring your morning coffee, hosting a barbecue with family and friends, or simply relaxing after a long day, this peaceful setting provides the perfect backdrop. A charming bridge spans the creek, adding character while providing convenient access beyond. Gardening enthusiasts will appreciate the large raspberry patch and a variety of established plants that add color and texture to the landscape. A garden shed offers practical storage for tools and outdoor equipment, keeping everything organized while you enjoy this beautiful green space. An attached garage with a convenient entryway is especially appreciated during the winter months. Quick access to the Superior Hiking Trail, cross country, ATV and snowmobile trails make this an outdoor enthusiast's dream. Come see for yourself all this home has to offer!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1958
LevelsOne and One Half
Living area2,722 sqft
Above-grade finished2,026 sqft
Below-grade finished696 sqft
Lot size0.2 acres (71x125)
Days on market3
ListedSep 25, 2026
MLS #NST7150622
CountyLake
SubdivisionSilver Bay 07 Div
Parcel #22750022210

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
2 full / 1 1/4
Heating
Boiler
Cooling
None
Appliances
Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories
One and One Half
Garage
1 space · 372 sqft
Parking features
Attached Garage
Exterior features
Steel Siding
Lot size
0.2 acres
Lot dimensions
71x125

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 1,400 sqft
Roof
Asphalt
Year built
1958

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas

Community & HOA

Subdivision
Silver Bay 07 Div
HOA
No HOA
School district
381 - Lake Superior
High school district
Lake Superior

Financial & listing details

Annual tax
$2,080 (2026)
Listed
Sep 25, 2026
Days on market
3
Lender owned
Yes
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths0
Half baths0
1/4 baths1
BasementFull
HeatingBoiler
CoolingNone
Fireplaces1
AppliancesDryer, Microwave, Range, Refrigerator, Washer
DiningEat In Kitchen
AmenitiesNatural Woodwork, Patio, Tile Floors
AccessibilityNone

Exterior & lot

ExteriorSteel Siding
RoofAsphalt
FoundationBlock
Foundation area1,400 sqft
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage
Garage spaces1
Garage size372 sqft

Financial details

Annual taxes$2,080
Tax year2026
Taxes w/ assessments2080
Assessment pendingNo
Down payment resourceYes
Lender ownedYes
Short saleNo
ForeclosureNo

Schools

District381 - Lake Superior
District number381
District phone2188348216
High schoolLake Superior
SODL flat fee brokerage
$5,370Estimated buyer credit
SODL platform fee $3,000Your buyer credit $5,370

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$1,733/mo
Principal & interest$1,466
Property taxes$173
Home insurance (est.)$93
%
$55,800
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

84 Hays Circle, Silver Bay, MN, 55614

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Listing information

MLS #NST7150622
StatusActive
Last updatedSep 26, 2026, 10:09 AM
Originally listedSep 25, 2026, 3:22 PM
Listing officeEdina Realty, Inc. - Duluth

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.