Active
$275,000

84 Hays Circle, Silver Bay, MN, 55614

4  Bedrooms3  Bathrooms2,722  Square Feet0.2  Acres
Days on market49
Year built1958
Garage spaces1
Potential $5,250buyer credit when you buy with SODL
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About this home

Nestled on a large park-like lot with woods in the backyard, this custom-designed 4-bedroom, 3-bath home offers the perfect blend of comfort, privacy, and year-round recreation. A welcoming, light-filled living room flows seamlessly into the formal dining room, creating an inviting space for entertaining. The efficient kitchen features stainless steel appliances and nearby laundry for everyday convenience. The main level includes a spacious primary bedroom with beautiful hardwood floors and a second bedroom currently used as a home office. Upstairs, you'll find two generously sized bedrooms, a full bath, and abundant storage. The lower level expands your living space with a beautifully finished family room featuring a cozy wood-burning fireplace, creating the perfect setting for movie nights, holiday gatherings, or simply unwinding at the end of the day. A versatile bonus room offers flexibility for a home gym, craft room, or office, while the workshop area, quarter bath, and abundant storage add everyday convenience. Step outside to a peaceful backyard retreat where mature woods provide a beautiful natural backdrop. Enjoy your morning coffee, host summer barbecues, or relax and take in the sights and sounds of nature. A charming bridge spans the creek, adding character and convenient access beyond. Gardening enthusiasts will appreciate the large raspberry patch, established perennial plantings, and garden shed for storing tools and outdoor equipment. An attached garage with a convenient entryway is especially welcome during the winter months. Ideally located near the Superior Hiking Trail, as well as cross-country skiing, ATV, and snowmobile trails, this property is a true outdoor enthusiast's dream. Come experience all this exceptional 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 market49
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
49
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
$5,250Estimated buyer credit
SODL platform fee $3,000Your buyer credit $5,250

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

$1,710/mo
Principal & interest$1,445
Property taxes$173
Home insurance (est.)$92
%
$55,000
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
Last reported MLS statusActive
MLS record updatedNov 3, 2026, 4:11 PM
Originally listedSep 25, 2026, 3:22 PM
Listing officeEdina Realty, Inc. - Duluth

Status reflects the latest MLS record available to SODL, not independently confirmed current availability. 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.