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Single Family ResidenceResidential
$169,552$132 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $187,974 on Jun 1, 2004

17577 REFLECTION BAY

SHAFER, MN 55074
3
Beds
2
Baths
1,282 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$170K
$153K low$186K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$187,974 · Jun 1, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,458 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$253,500 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$279,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$275,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.33
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
55
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Entry
CountyChisago
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2013
Lot (acres)The size of the land the home sits on, from county records.0.30
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Chisago Lakes Middle SchoolA-
Middle · Grades 6–8 · 3.9 mi
E
Taylors Falls ElementaryC+
Elementary · Grades PK–5 · 4.6 mi
H
Chisago Lakes High SchoolA
High · Grades 9–12 · 4.9 mi

District: Chisago Lakes School District

Neighborhood · ZIP 55074These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.2,701
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.76 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$102,390
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,118
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

17577 Reflection Bay measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 87% of homes in Chisago County
  • Costs less per square foot than 90% of homes in Shafer 55074
  • Has a smaller lot than 78% of homes in Chisago County
  • Newer than 79% of homes in Chisago County

What homes are worth in Shafer 55074

Each bar is how many homes fall in that price range. The marker is this home.

This home
$115K$644K

This home is worth more than 14% of homes in Shafer 55074.

How it measures up in Shafer 55074

The dot is this home. The mark in the middle is the typical home in Shafer 55074.

Estimated value$169,552
CheaperTypical $242,453Pricier

Pricier than 14% of homes nearby

Price per ft²$132
CheaperTypical $183Pricier

Pricier than 10% of homes nearby

Living area1,282 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.3 ac
SmallerTypical 3.31 acBigger

Bigger than 26% of homes nearby

Year built2003
OlderTypical 1998Newer

Newer than 69% of homes nearby

How 17577 Reflection Bay ranks against every home in each area.
MeasureThis homeShafer 55074Chisago County
Estimated valuepricier than$169,55214% of homes13% of homes
Price per ft²pricier than$13210% of homes12% of homes
Living areabigger than1,282 ft²48% of homes48% of homes
Lot sizebigger than0.3 ac26% of homes22% of homes
Year builtnewer than200369% of homes79% of homes

About 17577 Reflection Bay

How much is 17577 Reflection Bay, Shafer, MN worth?

The TopHap Estimate for 17577 Reflection Bay, Shafer, MN is $169,552 as of Jul 14, 2026. The likely range is $153,382 to $185,722. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 17577 Reflection Bay, Shafer, MN last sell?

17577 Reflection Bay, Shafer, MN last sold on Jun 1, 2004 for $187,974, according to the county's recorded deed.

How big is 17577 Reflection Bay, Shafer, MN?

17577 Reflection Bay, Shafer, MN has 3 bedrooms, 2 bathrooms, 1,282 square feet of living space and a 0.30-acre lot.

When was 17577 Reflection Bay, Shafer, MN built?

17577 Reflection Bay, Shafer, MN was built in 2003, making it 23 years old. It is a split entry home. The building has 1 story.

What schools serve 17577 Reflection Bay, Shafer, MN?

17577 Reflection Bay, Shafer, MN is assigned to Chisago Lakes Middle School (middle), rated A-; Taylors Falls Elementary (elementary), rated C+; Chisago Lakes High School (high), rated A. All sit in Chisago Lakes School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 17577 Reflection Bay, Shafer, MN compare to other homes in Shafer 55074?

Among the 1,183 homes in Shafer 55074, it is worth more than 14% of them ($169,552 against a typical $242,453), its price per square foot is higher than 10% of them ($132 against a typical $183), it is bigger than 48% of them (1,282 ft² against a typical 1,300 ft²), its lot is bigger than 26% of them (0.3 ac against a typical 3.31 ac) and it is newer than 69% of them (2003 against a typical 1998). Measured against all of Chisago County, it is worth more than 13% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 17577 Reflection Bay, Shafer, MN?

The 2025 property tax bill for 17577 Reflection Bay, Shafer, MN was $3,458. The county assessed it at $253,500.

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