Chisago County property record for 17593 Reflection Bay, Shafer, MN 55074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,258 sqft · built 2003 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Feb 2017) |
| Tax Bill | $3,772 (2026) |
| Deeds & Mortgages | Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00107-89 |
| Primary APN | 18-00107-89 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,258 sqft Living Area |
| Gross Area | 2,698 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Area | 1,317 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 3994543 |
|---|---|
| Street Address | 17593 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 020 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 | 20 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 17593 REFLECTION BAY, SHAFER, MN 55074-9805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2017 · Amount on Record |
| Deed Sale | Feb 2, 2017 · Amount on Record |
| Prior Sale | Jun 24, 2013 · Amount on Record |
| Deed Document Number | 2017596151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHISAGO MN |
| Recording Date | Feb 2, 2017 |
| Property Address | 17593 REFLECTION BAY, SHAFER, MN 55074-9805 |
| Document Number | 000A596151 |
| Instrument Date | Jan 27, 2017 |
| Instrument | A596151 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | CASTERTON TITLE AND CLOSING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $577.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17593 REFLECTION BAY, SHAFER, MN 55074-9805 |
| Document Number | 000A596152 |
|---|---|
| Date | Feb 2, 2017 |
| Instrument | A596152 |
| Name | AMERICAN MORTGAGE & EQUITY CONSULTANTS |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55435 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
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 | $3,772.00 (+6.31%) | ||
| 2025 | $3,548.00 (-2.74%) Homeowner's exemption | ||
| 2024 | $260,200 (-10.34%) | $281,400 (-6.32%) | |
| 2023 | $3,648.00 (+1.39%) Homeowner's exemption | $290,200 (+8.32%) | $300,400 (+7.32%) Land $38,500 Building $261,900 |
| 2022 | $3,598.00 (+3.69%) Homeowner's exemption | $267,900 (+26.01%) | $279,900 (+22.12%) Land $38,500 Building $241,400 |
| 2021 | $3,470.00 | $212,600 | $229,200 Land $31,900 Building $197,300 |
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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