St. Charles County property record for 1315 Commons Cir, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,128 sqft · built 2014 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $304,000 (Oct 2020) |
| Tax Bill | $4,407 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T072500102 |
| Primary APN | T072500102 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,128 sqft Living Area |
| Basement Area | 1,064 sqft |
| Year Built | Built 2014 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Composition/Composite |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T072500102 |
|---|---|
| Old Parcel Number | T072500102 |
| Street Address | 1315 COMMONS CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLONIAL GREEN LOT 1315 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | COLONIAL GREEN |
| Legal Lot Number | 1315 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 311740 |
Source: St. Charles County records, as of March 16, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1315 COMMONS CIR, SAINT CHARLES, MO 63304-6842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 14, 2020 | Warranty Deed, Transfer MIDLAND STATES BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2020 · Amount on Record |
| Deed Sale | Oct 14, 2020 · Amount on Record |
| Prior Sale | Sep 29, 2014 |
| Deed Document Number | 0202077580 |
| Deed Book / Page | 2020 / 77580 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1315 COMMONS CIR, SAINT CHARLES, MO 63304-6842 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1315 COMMONS CIR, COTTLEVILLE, MO 63304-6842 |
| Document Number | 0000009287 |
|---|---|
| Date | Feb 15, 2022 |
| Instrument | 2022R-009287 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Dec 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 14, 2020 |
| Property Address | 1315 COMMONS CIR, SAINT CHARLES, MO 63304-6842 |
| Document Number | 0000077580 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 77580 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1315 COMMONS CIR COTTLEVILLE MO 633046842, COTTLEVILLE, MO 63304-6842 |
| Document Number | 77581 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | 77581 |
| Name | MIDLAND STATES BK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 13, 2050 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,407.00 | $71,524 (+9.49%) | $376,440 (+9.49%) Land $70,001 Building $306,439 |
| 2023 | $65,325 | ||
| 2022 | $343,815 Land $49,998 Building $293,817 |
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 |
|---|---|
| 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.
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.
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 |
| 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 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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