1515 Shadow Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1515 Shadow Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,474 sqft · built 1976
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$193,162 (Sep 2026)
Tax Bill	$3,723 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`145125A000`

Property Details

APN / Parcel Number

Primary APN	`145125A000`
Alternative APN	`6-0013-5087-00-0036.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,474 sqft Living Area
Gross Area	3,330 sqft
1st Floor Area	1,465 sqft
Basement Area	1,405 sqft
Finished Basement	1,009 sqft
Unfinished Basement	396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	25 sqft
Deck Area	Deck Area
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	145125A000
Street Address	1515 SHADOW LN
City	SAINT CHARLES
State	MO
Zip	63303-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SHADOW WOOD LOT 36
Legal Subdivision	SHADOW WOOD
Legal Lot Number	36
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3008
Census Tract	310902

Owner

Source: St. Charles County records, as of September 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	547 BROOK MEADOW DR, BALLWIN, MO 63021-3712
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Warranty Deed, Transfer · Conventional Mortgage LOAN FACTORY
May 8, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
May 8, 2026	Personal Representative Deed, Transfer NONE LISTED ON DOCUMENT
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jun 2, 2020	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2026 · Amount on Record
Deed Sale	Sep 9, 2026 · Amount on Record
Prior Sale	May 8, 2026
Deed Document Number	202642963
Prior Transfer Date	May 29, 2020
Prior Transfer Doc	0073091453
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 9, 2026
Property Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0000042963
Instrument Date	Sep 1, 2026
Instrument	202642963
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 BROOK MEADOW DR, BALLWIN, MO 63021-3712

Mortgage

Document Number	0000042964,
Date	Sep 9, 2026
Instrument	202642964

Lender

Name	LOAN FACTORY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 8, 2026
Property Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0000021684
Instrument Date	May 8, 2026
Instrument	202621684
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023

May 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 8, 2026
Property Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0000021685
Instrument Date	May 8, 2026
Instrument	202621685
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	0000065645
Date	Dec 14, 2022
Instrument	2022R-065645

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Jun 2, 2020
Property Address	1515 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0073091453
Book / Page	007309 / 001453
Instrument Date	May 29, 2020
Instrument	363260
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4156 PROVIDENCE DR ST CHARLES MO 633045571, ST CHARLES, MO 63304-5571

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$59,461 (-)	$312,955 (-) Land $66,000 Building $246,955
2025	$3,723.00 (+9.34%)	$59,461 (+12.05%)	$312,955 (+12.05%) Land $66,000 Building $246,955
2024	$3,405.00
2023		$53,065
2022			$279,292 Land $66,000 Building $213,292

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 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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