17578 Reflection Bay, Shafer, MN 55074 Property Records

Chisago County property record for 17578 Reflection Bay, Shafer, MN 55074

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,335 sqft · built 2005
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Jan 2016)
Tax Bill	$3,910 (2026)
Deeds & Mortgages	Mar 2026 Transfer Jan 2016 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-00107-86`

Property Details

APN / Parcel Number

Primary APN	`18-00107-86`
Alternative APNs	`3184497` `3378874` `3463628` `3994208`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,335 sqft Living Area
Gross Area	2,613 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Area	1,335 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3994208
Street Address	17578 REFLECTION BAY
City	SHAFER
State	MN
Zip	55074-9805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUBDIVISIONNAME BUFFALO RIDGE 3RD ADDITION LOT 017 BLOCK 001 SUBDIVISIONCD 18052
Legal Range	019
Legal Township	034
Legal Section	32
Legal Subdivision	BUFFALO RIDGE 3RD ADDITION
Legal Block	1
Legal Lot Number	17
Jurisdiction	CHISAGO MN
Township / Civil Division	SHAFER
Census Block Group	2
Census Block	2038
Census Tract	110700

Owner

17578 Reflection Bay is owned and occupied by an individual who acquired it in December 2025.

Source: Chisago County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	17578 REFLECTION BAY, SHAFER, MN 55074-9805
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Transfer on Death Deed, Transfer
Jan 12, 2016	Warranty Deed, Transfer CASTERTON TITLE AND CLOSING COMPANY, CASTERTON TITLE & CLOSING CO
Jun 11, 2008	Other, Transfer FIRST HORIZON HOME LOAN CORPORATION
Feb 10, 2006	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2016 · Amount on File
Deed Sale	Jan 12, 2016 · Amount on File
Prior Sale	Jun 11, 2008 · Amount on File
Deed Document Number	2016584918
Last Transfer Date	Dec 2, 2025
Transfer Doc	000A691080
Record Updated	Oct 29, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CHISAGO MN
Recording Date	Mar 5, 2026
Property Address	17578 REFLECTION BAY, SHAFER, MN 55074-9805
Document Number	000A691080
Instrument Date	Dec 2, 2025
Instrument	A-691080
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Jan 12, 2016
Property Address	17578 REFLECTION BAY, SHAFER, MN 55074-9805
Document Number	000A584918
Instrument Date	Dec 21, 2015
Instrument	A584918
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	CASTERTON TITLE AND CLOSING COMPANY, CASTERTON TITLE & CLOSING CO

Transaction

Amount	Amount on Record
Tax	$511.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17578 REFLECTION BAY, SHAFER, MN 55074-9805
Investor	Possibly a Property Investor

June 2008: Other, Transfer

Document Type	Other
Jurisdiction	CHISAGO MN
Recording Date	Jun 11, 2008
Property Address	17578 REFLECTION BAY, SHAFER, MN 55074-9805
Document Number	0000009280
Instrument Date	May 28, 2008
Instrument	09280
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 MARQUETTE AVE1200, MINNEAPOLIS, MN 55402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38325 NEWBERRY TRL, LINDSTROM, MN 55045

Mortgage

Document Number	000A499110
Date	Jun 11, 2008
Instrument	A499110

Lender

Name	FIRST HORIZON HOME LOAN CORPORATION
Address	4000 HORIZON WAY, IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2038

February 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Feb 10, 2006
Property Address	17578 REFLECTION BAY, SHAFER, MN 55074-9805
Document Number	0000006538
Instrument Date	Dec 21, 2005
Instrument	06538
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5301 E RIVER RD STE 110, 110, MINNEAPOLIS, MN 55421-3778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17578 REFLECTION BAY, SHAFER, MN 55074-9805

Tax Assessment & Valuation

The 2026 property tax bill for 17578 Reflection Bay was $3,910 with a homeowner's exemption, up 6.2% from the year before.

Source: Chisago County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
Municipality	Shafer City
Unified School District	Chisago Lakes School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,910.00 (+6.19%)
2025	$3,682.00 Homeowner's exemption
2024		$270,300 (-9.05%)	$290,700 (-5.25%)
2023	$3,734.00 (+3.66%) Homeowner's exemption	$297,200 (+10.81%)	$306,800 (+9.49%) Land $35,000 Building $271,800
2022	$3,602.00 (+9.75%) Homeowner's exemption	$268,200 (+33.57%)	$280,200 (+28.3%) Land $35,000 Building $245,200
2021	$3,282.00	$200,800	$218,400 Land $29,000 Building $189,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 17578 Reflection Bay in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 17, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 17578 Reflection Bay is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Shafer serves 1,165 people · EPA ID MN1130014
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60

May also be available: GigFire.

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