Chisago County property record for 17588 Reflection Bay, Shafer, MN 55074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,139 sqft · built 2004 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Nov 2010) |
| Tax Bill | $3,866 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00107-87 |
| Primary APN | 18-00107-87 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 3 Stories |
| Building Area | 1,139 sqft Living Area |
| Gross Area | 2,491 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 1,193 sqft |
| Deck Area | 705 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 3993747 |
|---|---|
| Street Address | 17588 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 018 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 | 18 |
| Jurisdiction | CHISAGO MN |
| Township / Civil Division | SHAFER |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 110700 |
Source: Chisago County records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 17588 REFLECTION BAY, SHAFER, MN 55074-9805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2010 · Amount on Record |
| Deed Sale | Nov 19, 2010 · Amount on Record |
| Prior Sale | May 10, 2005 · Amount on Record |
| Deed Document Number | 201011556 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHISAGO MN |
| Property Address | 17588 REFLECTION BAY, SHAFER, MN 55074-9805 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000A602006 |
|---|---|
| Date | Aug 28, 2017 |
| Instrument | A-602006 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 293 Months |
| Due | Jan 1, 2042 |
Source: Chisago County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Chisago County |
| Municipality | Shafer City |
| Unified School District | Chisago Lakes School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,866.00 (+6.56%) | ||
| 2025 | $3,628.00 (-1.36%) Homeowner's exemption | ||
| 2024 | $266,300 (-8.99%) | $287,000 (-5.16%) | |
| 2023 | $3,678.00 (+1.55%) Homeowner's exemption | $292,600 (+8.49%) | $302,600 (+7.46%) Land $38,500 Building $264,100 |
| 2022 | $3,622.00 (+3.9%) Homeowner's exemption | $269,700 (+26.32%) | $281,600 (+22.43%) Land $38,500 Building $243,100 |
| 2021 | $3,486.00 | $213,500 | $230,000 Land $31,900 Building $198,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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