1546 Shadow Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1546 Shadow Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,490 sqft · built 1987
Lot Size	0.274 acres (11,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$273,500 (Apr 2017)
Tax Bill	$4,357 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A860003157`

Property Details

APN / Parcel Number

Primary APN	`A860003157`
Alternative APN	`6-0013-5958-00-0073.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,490 sqft Living Area
Gross Area	4,255 sqft
1st Floor Area	2,490 sqft
Basement Area	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,920 sqft (0.274 acres)
Lot Dimensions	149 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	265 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860003157
Street Address	1546 SHADOW LN
City	SAINT CHARLES
State	MO
Zip	63303-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW WOOD #2 LOT 73
Legal Subdivision	SHADOW WOOD #2
Legal Lot Number	73
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	1546 SHADOW LN, SAINT CHARLES, MO 63303-5024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 26, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 15, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 25, 2017	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2017 · Amount on Record
Deed Sale	Apr 25, 2017 · Amount on Record
Prior Sale	May 3, 2013 · Amount on Record
Deed Document Number	2017246320
Deed Book / Page	6732 / 1400
Prior Transfer Date	Apr 29, 2013
Prior Transfer Doc	0060100781
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1546 SHADOW LN, SAINT CHARLES, MO 63303-5024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071151479
Date	Aug 1, 2019
Book Page	7115/1479
Instrument	20190801000398170

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Jul 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1546 SHADOW LN, SAINT CHARLES, MO 63303-5024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068830484
Date	Feb 26, 2018
Book Page	6883/0484
Instrument	20180226000100380

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jun 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1546 SHADOW LN, SAINT CHARLES, MO 63303-5024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072952404
Date	May 15, 2020
Book Page	7295/2404
Instrument	20200515000315300

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 25, 2017
Property Address	1546 SHADOW LN, SAINT CHARLES, MO 63303-5024
Document Number	0067321400
Book / Page	006732 / 001400
Instrument Date	Apr 20, 2017
Instrument	246320
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	PRESTIGE TITLE, TITLE PTRS AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1546 SHADOW LN ST CHARLES MO 633035024, ST CHARLES, MO 63303-5024

Mortgage

Document Number	67321402
Date	Apr 25, 2017
Book Page	006732/001402
Instrument	246330

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2047

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	$4,357.00 (+2.95%)	$69,682 (+5.45%)	$366,746 (+5.45%) Land $66,000 Building $300,746
2024	$4,232.00
2023		$66,082
2022			$347,802 Land $66,000 Building $281,802

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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