St. Charles County property record for 1557 Shadow Ln, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,698 sqft · built 1994 |
| Lot Size | 0.17 acres (7,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Jul 2002) |
| Deeds & Mortgages | Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A860003168 |
| Primary APN | A860003168 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,698 sqft Living Area |
| Gross Area | 4,536 sqft |
| 1st Floor Area | 1,520 sqft |
| Basement Area | 1,178 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,420 sqft (0.17 acres) |
| Lot Dimensions | 70 ft deep x 106 ft wide |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 479 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860003168 |
|---|---|
| Street Address | 1557 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 84 |
| Legal Subdivision | SHADOW WOOD #2 |
| Legal Lot Number | 84 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 310902 |
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 | 1557 SHADOW LN, SAINT CHARLES, MO 63303-5023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2002 · Amount on Record |
| Deed Sale | Jul 15, 2002 · Amount on Record |
| Deed Document Number | 200264724 |
| Deed Book / Page | 2947 / 535 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1557 SHADOW LN, SAINT CHARLES, MO 63303-5023 |
| Document Number | 0070980455 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1557 SHADOW LN ST CHARLES MO 633035023, ST CHARLES, MO 63303-5023 |
| Document Number | 0070980455 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 007098/000455 |
| Instrument | 328010 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 30, 2034 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $74,278 (+13.2%) | $390,936 (+13.2%) Land $66,000 Building $324,936 |
| 2023 | $65,617 | |
| 2022 | $345,354 Land $66,000 Building $279,354 |
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.
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.
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.
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 |
| 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.
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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