1522 Shadow Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1522 Shadow Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,560 sqft · built 1976
Lot Size	0.162 acres (7,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,600 (Jun 2021)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145122A000`

Property Details

APN / Parcel Number

Primary APN	`145122A000`
Alternative APN	`6-0013-5087-00-0033.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	3,310 sqft
1st Floor Area	1,460 sqft
Basement Area	1,350 sqft
Finished Basement	1,100 sqft
Unfinished Basement	250 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	7,056 sqft (0.162 acres)
Lot Dimensions	98 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	25 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	145122A000
Street Address	1522 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 33
Legal Subdivision	SHADOW WOOD
Legal Lot Number	33
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 August 13, 2025

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	1522 SHADOW LN, SAINT CHARLES, MO 63303-5024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Jun 25, 2021	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2021 · Amount on Record
Deed Sale	Jun 25, 2021 · Amount on Record
Prior Sale	Aug 22, 2016 · Amount on Record
Deed Document Number	202153637
Prior Transfer Date	Aug 19, 2016
Prior Transfer Doc	0065970313
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1522 SHADOW LN, SAINT CHARLES, MO 63303-5024
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1522 SHADOW LN, SAINT CHARLES, MO 63303-5024

Mortgage

Document Number	0000024017
Date	Apr 27, 2022
Instrument	2022R-024017

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 25, 2021
Property Address	1522 SHADOW LN, SAINT CHARLES, MO 63303-5024
Document Number	2021R053637
Map Reference	MB 19 PG 54
Instrument Date	Jun 23, 2021
Instrument	2021R-053637
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3142 WILLOW BEND DR, 3142, SAINT CHARLES, MO 63303-6538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1522 SHADOW LN, SAINT CHARLES, MO 63303-5024

Mortgage

Document Number	2021R053638
Date	Jun 25, 2021
Instrument	2021R-053638

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$3,644.00 (+9.53%)	$58,189 (+12.25%)	$306,259 (+12.25%) Land $66,000 Building $240,259
2024	$3,327.00
2023		$51,841
2022			$272,847 Land $66,000 Building $206,847

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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