1549 Shadow Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1549 Shadow Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,092 sqft · built 1987
Lot Size	0.209 acres (9,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Nov 2012)
Tax Bill	$4,446 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860003166`

Property Details

APN / Parcel Number

Primary APN	`A860003166`
Alternative APN	`6-0013-5958-00-0082.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,092 sqft Living Area
Gross Area	4,124 sqft
1st Floor Area	2,092 sqft
Basement Area	1,444 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	9,120 sqft (0.209 acres)
Lot Dimensions	114 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	Deck Area
Patio Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860003166
Street Address	1549 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 82
Legal Subdivision	SHADOW WOOD #2
Legal Lot Number	82
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 May 12, 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	1549 SHADOW LN, SAINT CHARLES, MO 63303-5023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2012 · Amount on Record
Deed Sale	Nov 21, 2012 · Amount on Record
Deed Document Number	2012900620
Deed Book / Page	5902 / 926
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 30, 2026
Property Address	1549 SHADOW LN, SAINT CHARLES, MO 63303-5023
Document Number	0000020003
Instrument Date	Apr 20, 2026
Instrument	202620003
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	0000020003,
Date	Apr 30, 2026
Instrument	202620003

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 24, 2066

Interest

Rate	6.22%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1549 SHADOW LN, SAINT CHARLES, MO 63303-5023
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 SHADOW LN, SAINT CHARLES, MO 63303-5023

Mortgage

Document Number	2021R019791
Date	Mar 5, 2021
Instrument	2021R-019791

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

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	$4,446.00 (+9.91%)	$71,101 (+12.61%)	$374,215 (+12.61%) Land $66,000 Building $308,215
2024	$4,045.00
2023		$63,141
2022			$332,322 Land $66,000 Building $266,322

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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