1545 Shadow Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1545 Shadow Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,915 sqft · built 1990
Lot Size	0.206 acres (8,960 sqft)
Owner	Individual Name on Record
Last Sale	$482,001 (Jun 2026)
Tax Bill	$4,234 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860003165`

Property Details

APN / Parcel Number

Primary APN	`A860003165`
Alternative APN	`6-0013-5958-00-0081.0000000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,915 sqft Living Area
Gross Area	3,776 sqft
1st Floor Area	1,276 sqft
Basement Area	1,034 sqft
Finished Basement	593 sqft
Unfinished Basement	441 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	112 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	144 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860003165
Street Address	1545 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 81
Legal Subdivision	SHADOW WOOD #2
Legal Lot Number	81
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 July 7, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1545 SHADOW LN, SAINT CHARLES, MO 63303-5023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Feb 28, 2024	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Sep 30, 2022	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Feb 28, 2024 · Amount on Record
Deed Document Number	202630126
Prior Transfer Date	Jun 18, 2026
Prior Transfer Doc	0000030126
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 26, 2026
Property Address	1545 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0000030126
Instrument Date	Jun 18, 2026
Instrument	202630126
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NAVY FEDERAL TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	0000030127,
Date	Jun 26, 2026
Instrument	202630127

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jul 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 28, 2024
Property Address	1545 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0000007506
Map Reference	MB 25 PG 22
Instrument Date	Feb 27, 2024
Instrument	2024R-007506
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	450 JIMMY ANN DR APT 5107, 5107, DAYTONA BEACH, FL 32114-1487

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	0000007507
Date	Feb 28, 2024
Instrument	2024R-007507

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 30, 2022
Property Address	1545 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0000053858
Map Reference	MB 25 PG 22
Instrument Date	Sep 28, 2022
Instrument	2022R-053858
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4408 SUN LAKE DR, SAINT CHARLES, MO 63301-3064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	0000053859
Date	Sep 30, 2022
Instrument	2022R-053859

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

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	$4,234.00	$67,687 (+7.44%)	$356,246 (+7.44%) Land $66,000 Building $290,246
2023		$62,999
2022			$331,573 Land $66,000 Building $265,573

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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