1313 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1313 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,551 sqft · built 2014
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Mar 2026)
Tax Bill	$4,612 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T072500100`

Property Details

APN / Parcel Number

Primary APN	`T072500100`
Alternative APN	`3-0018-A108-00-1313.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,551 sqft Living Area
Gross Area	3,640 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
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	T072500100
Street Address	1313 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1313
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1313
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1025
Census Tract	311740

Owner

Source: St. Charles County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1313 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage SCOTT CU
May 4, 2020	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Aug 23, 2017	Warranty Deed, Transfer CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	202610839
Prior Transfer Date	May 30, 2024
Prior Transfer Doc	0000021461
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1313 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 COMMONS CIR, WELDON SPRING, MO 63304-6842

Mortgage

Document Number	0000026053
Date	Jun 20, 2025
Instrument	2025R-026053

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 10, 2026
Property Address	1313 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0000010839
Map Reference	MB 43 PG 215
Instrument Date	Mar 9, 2026
Instrument	2026R-010839
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	VISION TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 COMMONS CIR, SAINT CHARLES, MO 63304-6842

Mortgage

Document Number	0000010840
Date	Mar 10, 2026
Instrument	2026R-010840

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1313 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0072900990
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1313 COMMONS CIR ST CHARLES MO 633046842, ST CHARLES, MO 63304-6842

Mortgage

Document Number	0072900990
Date	May 8, 2020
Book Page	007290/000990
Instrument	296780

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 23, 2017
Property Address	1313 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0067951541
Book / Page	006795 / 001541
Instrument Date	Aug 21, 2017
Instrument	528950
Transaction Type	Transfer
Record Updated	Oct 6, 2017
Title Company	NETCO TITLE

Transaction

Amount	Amount Recorded
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	1313 COMMONS CIR COTTLEVILLE MO 633046842, COTTLEVILLE, MO 63304-6842

Mortgage

Document Number	67951543
Date	Aug 23, 2017
Book Page	006795/001543
Instrument	528960

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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		$74,877 (-)	$394,091 (-) Building $394,091
2025	$4,612.00 (+9.47%)	$74,877 (+10.48%)	$394,091 (+10.48%) Building $394,091
2024	$4,213.00
2023		$67,774
2022			$356,704 Land $49,998 Building $306,706

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 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

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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