St. Charles County property record for 1302 Commons Cir, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,928 sqft · built 2014 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,247 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | T072500089 |
| Primary APN | T072500089 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,928 sqft Living Area |
| Basement Area | 804 sqft |
| Year Built | Built 2014 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T072500089 |
|---|---|
| Old Parcel Number | T072500089 |
| Street Address | 1302 COMMONS CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLONIAL GREEN LOT 1302 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | COLONIAL GREEN |
| Legal Lot Number | 1302 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 311740 |
Source: St. Charles County records · APN T072500089
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 425 STONECHASE LN, SAINT LOUIS, MO 63141-7476 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jul 15, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage CURT TERRACC |
| May 18, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage CAPGROW HOME MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 15, 2022 |
| Deed Sale | Jul 15, 2022 |
| Prior Sale | Jul 15, 2022 |
| Deed Document Number | 0000039470 |
| Last Transfer Date | Jun 07, 2024 |
| Transfer Doc | 0000022272 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 15, 2022 |
| Property Address | 1302 COMMONS CIR, SAINT CHARLES, MO 63304-6825 |
| Document Number | 0000039470 |
| Map Reference | MB 43 PG 215 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022R-039470 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1302 COMMERCE CIRCLE, SAINT CHARLES, MO 63304 |
| Document Number | 0000039471 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 2022R-039471 |
| Name | CURT TERRACC |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 18, 2021 |
| Property Address | 1302 COMMONS CIR, SAINT CHARLES, MO 63304-6825 |
| Document Number | 0000043171 |
| Map Reference | MB 43 PG 215 |
| Instrument Date | May 13, 2021 |
| Instrument | 2021R-043171 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1302 COMMONS CIR, COTTLEVILLE, MO 63304-6825 |
| Document Number | 0000043172 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021R-043172 |
| Name | CAPGROW HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,247.00 | $68,914 (+10.81%) | $362,705 (+10.81%) |
| 2023 | $62,193 | ||
| 2022 | $327,330 Land $49,998 Building $277,332 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | May 2019 · Severe Storms, Tornadoes, And Flooding |
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Wisper ISP.
Based on FCC filings for 180 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Lead | 2 ppb (2026) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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