1514 Shadow Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1514 Shadow Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,135 sqft · built 1976
Lot Size	0.161 acres (7,056 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Jan 2019)
Tax Bill	$2,675 (2025)
Deeds & Mortgages	May 2024 Construction Loan Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`145120A000`

Property Details

APN / Parcel Number

Primary APN	`145120A000`
Alternative APN	`6-0013-5087-00-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,135 sqft Living Area
1st Floor Area	1,135 sqft
Basement Area	1,135 sqft
Finished Basement	490 sqft

Exterior

Year Built	Built 1976
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	7,056 sqft
Lot Dimensions	98 ft deep x 72 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	100 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	145120A000
Old Parcel Number	145120A000
Street Address	1514 SHADOW LN
City	SAINT CHARLES
State	MO
Zip	63303-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SHADOW WOOD LOT 31
Legal Range	04E
Legal Township	46N
Legal Subdivision	SHADOW WOOD
Legal Lot Number	31
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3007
Census Tract	310902

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Aug 24, 2020	Deed of Trust, Mortgage US BK
Jan 2, 2019	Special Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Sep 5, 2018	Warranty Deed, Transfer · Line of Credit HERITAGE COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2019 · Amount on Record
Deed Sale	Jan 2, 2019 · Amount on Record
Prior Sale	Sep 5, 2018
Deed Document Number	0007021751
Deed Book / Page	7021 / 751
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024

Mortgage

Document Number	0000017006
Date	May 3, 2024
Instrument	2024R-017006

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 28, 2054

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024

Mortgage

Document Number	0000003490
Date	Jan 18, 2022
Instrument	2022R-003490

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024
Document Number	0000064251
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 SHADOW LN ST CHARLES MO 633035024, ST CHARLES, MO 63303-5024

Mortgage

Document Number	0000064251
Date	Sep 2, 2020
Instrument	64251

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

January 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 2, 2019
Property Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024
Document Number	0070210751
Book / Page	7021 / 0751
Map Reference	MB 19 PG 54
Instrument Date	Dec 28, 2018
Instrument	20190102000001290
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3214 S BIG BEND BLVD, 3214, SAINT LOUIS, MO 63143-3923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024

Mortgage

Document Number	20190102000001300
Date	Jan 2, 2019
Instrument	20190102000001300

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 5, 2018
Property Address	1514 SHADOW LN, SAINT CHARLES, MO 63303-5024
Document Number	0069730346
Book / Page	6973 / 0346
Map Reference	MB 19 PG 54
Instrument Date	Aug 31, 2018
Instrument	20180905000510680
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3214 S BIG BEND BLVD, SAINT LOUIS, MO 63143-3923
Investor	Possibly a Property Investor

Mortgage

Document Number	20180905000510690
Date	Sep 5, 2018
Instrument	20180905000510690

Lender

Name	HERITAGE COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	Jun 2, 2019

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,675.00	$42,578 (+7.4%)	$224,096 (+7.4%) Land $66,000 Building $158,096
2023		$39,644
2022			$208,651 Land $66,000 Building $142,651

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: i3 Broadband, T-Mobile.

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