30881 Reflection Ave, Shafer, MN 55074 Property Records

Chisago County property record for 30881 Reflection Ave, Shafer, MN 55074

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 984 sqft · built 2005
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$33,000 (Jan 2022)
Tax Bill	$3,860 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-00107-83`

Property Details

APN / Parcel Number

Primary APN	`18-00107-83`
Alternative APNs	`3184726` `3378829` `3463373` `3994299`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	984 sqft Living Area
Gross Area	2,462 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	10,454 sqft (0.24 acres)
Garage Area	984 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3994299
Street Address	30881 REFLECTION AVE
City	SHAFER
State	MN
Zip	55074-9804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUBDIVISIONNAME BUFFALO RIDGE 3RD ADDITION LOT 014 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	14
Jurisdiction	CHISAGO MN
Township / Civil Division	SHAFER
Census Block Group	2
Census Block	2038
Census Tract	110700

Owner

Source: Chisago County records, as of August 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	30881 REFLECTION AVE, SHAFER, MN 55074-9804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2017	Deed of Trust, Mortgage · FHA Mortgage ALERUS FINANCIAL NA
Sep 27, 2017	Deed of Trust, Mortgage ALERUS FINANCIAL NA
Nov 16, 2018	Deed of Trust, Mortgage SUMMIT MORTGAGE CO
Nov 16, 2018	Warranty Deed, Transfer SUMMIT MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	20221372719
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	30881 REFLECTION AVE, SHAFER, MN 55074-9804
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A602986
Date	Sep 27, 2017
Instrument	A-602986

Lender

Name	ALERUS FINANCIAL NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	30881 REFLECTION AVE, SHAFER, MN 55074-9804
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A602987
Date	Sep 27, 2017
Instrument	A-602987

Lender

Name	ALERUS FINANCIAL NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	30881 REFLECTION AVE, SHAFER, MN 55074-9804
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A614596
Date	Nov 16, 2018
Instrument	A-614596

Lender

Name	SUMMIT MORTGAGE CO

Agreement

Amount	Amount Recorded
Term	110 Months
Due	Jan 1, 2028

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Nov 16, 2018
Property Address	30881 REFLECTION AVE, SHAFER, MN 55074-9804
Document Number	000A614594
Instrument Date	Oct 30, 2018
Instrument	A-614594
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	30881 REFLECTION AVE, SHAFER, MN 55074-9804

Mortgage

Document Number	000A614595
Date	Nov 16, 2018
Instrument	A-614595

Lender

Name	SUMMIT MORTGAGE CO

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

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	$3,860.00 (+5.29%)
2025	$3,666.00 (+2.57%)
2024		$270,700 (-5.05%)	$270,700 (-5.05%)
2023	$3,574.00 (+0.56%)	$285,100 (+7.3%) Land $38,500 Building $246,600	$285,100 (+7.3%) Land $38,500 Building $246,600
2022	$3,554.00 (+0.79%)	$265,700 (+22.22%) Land $38,500 Building $227,200	$265,700 (+22.22%) Land $38,500 Building $227,200
2021	$3,526.00	$217,400	$217,400 Land $31,900 Building $185,500

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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