1312 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1312 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,760 sqft · built 2013
Lot Size	0.13 acres (5,663 sqft)
Owner	Company Name on File
Last Sale	$308,000 (Sep 2021)
Tax Bill	$3,956 (2025)
Deeds & Mortgages	Sep 2021 Sale Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T072500099`

Property Details

APN / Parcel Number

Primary APN	`T072500099`
Alternative APN	`3-0018-A108-00-1312.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	2,824 sqft
1st Floor Area	1,056 sqft
Basement Area	684 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T072500099
Street Address	1312 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1312
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1312
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1023
Census Tract	311740

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	Company Name on File
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company
Vesting	Limited Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Warranty Deed, Transfer
Aug 5, 2021	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Jun 27, 2019	Warranty Deed, Transfer STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2021 · Amount on File
Deed Sale	Sep 1, 2021 · Amount on File
Prior Sale	Jun 27, 2019 · Amount on File
Deed Document Number	202173392
Prior Transfer Date	Oct 15, 2020
Prior Transfer Doc	2020R087433
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 1, 2021
Property Address	1312 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	2021R073392
Map Reference	MB 43 PG 215
Instrument Date	Aug 27, 2021
Instrument	2021R-073392
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1312 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 COMMONS CIR, SAINT CHARLES, MO 63304-6825

Mortgage

Document Number	2021R065523
Date	Aug 5, 2021
Instrument	2021R-065523

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 15, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 27, 2019
Property Address	1312 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0070961131
Book / Page	007096 / 001131
Instrument Date	Jun 24, 2019
Instrument	321270
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
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	1312 COMMONS CIR ST CHARLES MO 633046825, ST CHARLES, MO 63304-6825

Mortgage

Document Number	70961133
Date	Jun 27, 2019
Book Page	007096/001133
Instrument	321280

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 26, 2034

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$64,162 (-)	$337,695 (-) Building $337,695
2025	$3,956.00 (+10.32%)	$64,162 (+11.35%)	$337,695 (+11.35%) Building $337,695
2024	$3,586.00
2023		$57,622
2022			$303,272 Land $49,998 Building $253,274

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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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