30868 Reflection Ave, Shafer, MN 55074 Property Records

Chisago County property record for 30868 Reflection Ave, Shafer, MN 55074 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,284 sqft · built 2005
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Apr 2026)
Tax Bill	$4,254 (2026)
Deeds & Mortgages	Oct 2015 Mortgage Nov 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-00108-02`

Property Details

APN / Parcel Number

Primary APN	`18-00108-02`
Alternative APNs	`3184633` `3379653` `3463194` `3994221`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,284 sqft Living Area
Gross Area	2,977 sqft
Flooring	Carpet
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	11,761 sqft (0.27 acres)
Garage Area	1,284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3994221
Street Address	30868 REFLECTION AVE
City	SHAFER
State	MN
Zip	55074-9804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME BUFFALO RIDGE 3RD ADDITION LOT 007 BLOCK 002 SUBDIVISIONCD 18052
Legal Range	019
Legal Township	034
Legal Section	32
Legal Subdivision	BUFFALO RIDGE 3RD ADDITION
Legal Block	2
Legal Lot Number	7
Jurisdiction	CHISAGO MN
Township / Civil Division	SHAFER
Census Block Group	2
Census Block	2041
Census Tract	110700

Owner

Source: Chisago County records · APN 18-00108-02

Assessment roll updated November 11, 2025 · Last verified June 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 File
Mailing Address	30868 REFLECTION AVE, SHAFER, MN 55074-9804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2015	Deed of Trust, Mortgage · Commercial Mortgage FRANDSEN BANK & TRUST
Nov 22, 2013	Deed of Trust, Mortgage WINGS FINANCIAL CREDIT UNION
Jan 02, 2013	Deed of Trust, Mortgage BANK OF AMERICA NA
Mar 01, 2016	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Oct 02, 2015 · Amount on Record
Deed Document Number	2026692338
Record Updated	Sep 20, 2026

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	30868 REFLECTION AVE, SHAFER, MN 55074-9804
Transaction Type	Mortgage
Record Updated	Jun 03, 2026
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A582290
Date	Oct 14, 2015
Instrument	A582290

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	FOREST LAKE, MN 55025

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Feb 02, 2016

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	30868 REFLECTION AVE, SHAFER, MN 55074-9804
Transaction Type	Mortgage
Record Updated	Jun 03, 2026
Title Company	CASTERTON TITLE AND CLOSING COMPANY, CASTERTON TITLE & CLOSING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000A564228
Date	Nov 22, 2013
Instrument	A-564228

Lender

Name	WINGS FINANCIAL CREDIT UNION
Address	51524

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2043

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	30868 REFLECTION AVE, SHAFER, MN 55074-9804
Transaction Type	Mortgage
Record Updated	Jun 03, 2026
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A553004
Date	Jan 02, 2013
Instrument	A-553004

Lender

Name	BANK OF AMERICA NA
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2043

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	30868 REFLECTION AVE, SHAFER, MN 55074-9804
Transaction Type	Mortgage
Record Updated	Jun 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A586034
Date	Mar 01, 2016
Instrument	A586034

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2046

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Apr 24, 2026
Property Address	30868 REFLECTION AVE, SHAFER, MN 55074-9804
Document Number	0000692338
Instrument Date	Apr 17, 2026
Instrument	2026.692338
Transaction Type	Transfer
Record Updated	May 06, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$103,323.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30868 REFLECTION AVE, SHAFER, MN 55074-9804
Investor	Possibly a Property Investor

Mortgage

Document Number	0000692339,
Date	Apr 24, 2026
Instrument	2026.692339

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Chisago County records · Assessment roll updated November 11, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,254.00 (+5.87%)
2025	$4,018.00 (-1.13%) Homeowner's exemption
2024		$295,300 (-8.8%)	$313,600 (-5.31%)
2023	$4,064.00 (+1.55%) Homeowner's exemption	$323,800 (+8.48%)	$331,200 (+7.53%) Land $35,000 Building $296,200
2022	$4,002.00 (+3.46%) Homeowner's exemption	$298,500 (+25.74%)	$308,000 (+22.22%) Land $35,000 Building $273,000
2021	$3,868.00	$237,400	$252,000 Land $29,000 Building $223,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Chisago County (27025C), updated April 17, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 113 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	1,250 / 60

May also be available at this address: LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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