1311 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1311 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,649 sqft · built 2014
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,448 (2025)
Deeds & Mortgages	Jul 2020 Sale Dec 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T072500098`

Property Details

APN / Parcel Number

Primary APN	`T072500098`
Alternative APN	`3-0018-A108-00-1311.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,649 sqft Living Area
Gross Area	3,745 sqft
1st Floor Area	1,276 sqft
Basement Area	1,276 sqft
Finished Basement	580 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T072500098
Street Address	1311 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1311
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1311
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1025
Census Tract	311740

Owner

1311 Commons Cir is owned and occupied by two individuals who acquired it in July 2020.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1311 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.
Dec 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 11, 2017	Warranty Deed, Transfer FREEDOM TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020
Deed Sale	Jul 14, 2020
Prior Sale	May 11, 2017 · Amount on File
Deed Document Number	2020489660
Deed Book / Page	7344 / 1439
Prior Transfer Date	Nov 2, 2018
Prior Transfer Doc	0070142216
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 14, 2020
Property Address	1311 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0073441439
Book / Page	007344 / 001439
Instrument Date	Jul 7, 2020
Instrument	489660
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount 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	1311 COMMONS CIR ST CHARLES MO 633046842, ST CHARLES, MO 63304-6842

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 17, 2018
Property Address	1311 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0070142216
Book / Page	007014 / 002216
Instrument Date	Nov 2, 2018
Instrument	699600
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1311 COMMONS CIR ST CHARLES MO 633046842, ST CHARLES, MO 63304-6842

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2017
Property Address	1311 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0067412070
Book / Page	6741 / 2070
Map Reference	MB 43 PG 215
Instrument Date	May 9, 2017
Instrument	20170511000286240
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1311 COMMONS CIR, SAINT CHARLES, MO 63304-6842

Tax Assessment & Valuation

The 2025 property tax bill for 1311 Commons Cir was $4,448, up 8.6% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,448.00 (+8.59%)	$72,192	$379,956 Land $70,001 Building $309,955
2024	$4,096.00
2023		$65,877
2022			$346,720 Land $49,998 Building $296,722

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1311 Commons Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

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

Wildfire risk around 1311 Commons Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
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

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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wisper ISP.

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