1537 Shadow Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1537 Shadow Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,473 sqft · built 1991
Lot Size	0.211 acres (9,184 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Oct 2023 Mortgage Jun 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860003163`

Property Details

APN / Parcel Number

Primary APN	`A860003163`
Alternative APN	`6-0013-5958-00-0079.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,473 sqft Living Area
Gross Area	3,650 sqft
1st Floor Area	1,645 sqft
Basement Area	1,625 sqft
Finished Basement	828 sqft
Unfinished Basement	797 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,184 sqft (0.211 acres)
Lot Dimensions	112 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860003163
Street Address	1537 SHADOW LN
City	SAINT CHARLES
State	MO
Zip	63303-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW WOOD #2 LOT 79
Legal Subdivision	SHADOW WOOD #2
Legal Lot Number	79
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 August 7, 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	1537 SHADOW LN, SAINT CHARLES, MO 63303-5023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 3, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 13, 2020	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 8, 2015
Transfer Doc	0063851316
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1537 SHADOW LN, SAINT CHARLES, MO 63303-5023
Transaction Type	Mortgage
Record Updated	Nov 2, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	0000043215
Date	Oct 19, 2023
Instrument	2023R-043215

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2038

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1537 SHADOW LN, SAINT CHARLES, MO 63303-5023
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	2021R047422
Date	Jun 3, 2021
Instrument	2021R-047422

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Apr 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1537 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0072591534
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 SHADOW LN ST CHARLES MO 633035023, ST CHARLES, MO 63303-5023

Mortgage

Document Number	0072591534
Date	Mar 31, 2020
Book Page	007259/001534
Instrument	197470

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

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	Assessed Value	Assessed Market Value
2026	$61,202 (+14.27%)	$322,117 (+14.27%) Land $66,000 Building $256,117
2023	$53,558
2022		$281,882 Land $66,000 Building $215,882

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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