17587 Reflection Bay, Shafer, MN 55074 Property Records

Chisago County property record for 17587 Reflection Bay, Shafer, MN 55074

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,266 sqft · built 2005
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$124,000 (Jul 2013)
Tax Bill	$4,026 (2026)
Deeds & Mortgages	Aug 2018 Mortgage Mar 2019 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18-00107-90`

Property Details

APN / Parcel Number

Primary APN	`18-00107-90`
Alternative APNs	`3184901` `3378867` `3463713` `3993695`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,266 sqft Living Area
Gross Area	2,702 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	1,266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3993695
Street Address	17587 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 021 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	21
Jurisdiction	CHISAGO MN
Township / Civil Division	SHAFER
Census Block Group	2
Census Block	2038
Census Tract	110700

Owner

Source: Chisago County records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	17587 REFLECTION BAY, SHAFER, MN 55074-9805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2018	Deed of Trust, Mortgage TRADITION MORTGAGE
Mar 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TRADITION MORTGAGE
Jul 19, 2013	Deed of Trust, Mortgage MERS
Apr 10, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jul 22, 2013	Other, Transfer
Sep 30, 2005	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2013 · Amount on Record
Deed Sale	Jul 22, 2013 · Amount on Record
Prior Sale	Sep 30, 2005 · Amount on Record
Deed Document Number	201314435
Last Transfer Date	Apr 2, 2026
Transfer Doc	0000691950
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	17587 REFLECTION BAY, SHAFER, MN 55074-9805
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A612045
Date	Aug 28, 2018
Instrument	A-612045

Lender

Name	TRADITION MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	17587 REFLECTION BAY, SHAFER, MN 55074-9805
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A617406
Date	Mar 19, 2019
Instrument	A617406

Lender

Name	TRADITION MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	17587 REFLECTION BAY, SHAFER, MN 55074-9805
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A560266
Date	Jul 19, 2013
Instrument	A-560266

Lender

Name	MERS
Address	SAINT CLOUD, MN 56301

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2043

April 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CHISAGO MN
Recording Date	Apr 10, 2026
Property Address	17587 REFLECTION BAY, SHAFER, MN 55074-9805
Document Number	0000691950
Instrument Date	Apr 2, 2026
Instrument	2026691950
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2013: Other, Transfer

Document Type	Other
Jurisdiction	CHISAGO MN
Recording Date	Jul 22, 2013
Property Address	17587 REFLECTION BAY, SHAFER, MN 55074-9805
Document Number	0000014435
Instrument Date	Jul 10, 2013
Instrument	14435
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1670 BROADWAY21ST, DENVER, CO 80202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29221 MAIN ST, CHISAGO CITY, MN 55013-9423

September 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Sep 30, 2005
Property Address	17587 REFLECTION BAY, SHAFER, MN 55074-9805
Document Number	0000005910
Instrument Date	Aug 15, 2005
Instrument	05910
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
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	17587 REFLECTION BAY, SHAFER, MN 55074-9805

Tax Assessment & Valuation

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	$4,026.00 (+6.11%)
2025	$3,794.00 (-1.3%) Homeowner's exemption
2024		$278,600 (-8.98%)	$298,300 (-5.3%)
2023	$3,844.00 (+4.51%) Homeowner's exemption	$306,100 (+11.72%)	$315,000 (+10.33%) Land $35,000 Building $280,000
2022	$3,678.00 (+3.84%) Homeowner's exemption	$274,000 (+26.21%)	$285,500 (+22.37%) Land $35,000 Building $250,500
2021	$3,542.00	$217,100	$233,300 Land $29,000 Building $204,300

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

Flood

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

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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