1316 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1316 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,744 sqft · built 2013
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$286,800 (Jul 2021)
Tax Bill	$3,981 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T072500103`

Property Details

APN / Parcel Number

Primary APN	`T072500103`
Alternative APN	`3-0018-A108-00-1316.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,744 sqft Living Area
Gross Area	2,808 sqft
1st Floor Area	1,040 sqft
Basement Area	684 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
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	T072500103
Street Address	1316 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1316
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1316
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1023
Census Tract	311740

Owner

1316 Commons Cir is owned and occupied by two individuals who bought it in July 2021.

Source: St. Charles County records, as of March 26, 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	2 Individual Names on File
Mailing Address	1316 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer · FHA Mortgage THE HOME LOAN EXPERT LLC
Feb 5, 2019	Deed of Trust, Mortgage WEST COMMUNITY CU
Aug 24, 2020	Deed of Trust, Mortgage · VA Mortgage GERSHMAN MTG
Jan 31, 2017	Warranty Deed, Transfer · VA Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Apr 26, 2013 · Amount on File
Deed Document Number	202158471
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2021
Property Address	1316 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	2021R058471
Map Reference	MB 43 PG 215
Instrument Date	Jul 2, 2021
Instrument	2021R-058471
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 LAKEFIELD PLACE CT, 40, GROVER, MO 63040-1675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 COMMONS CIR, COTTLEVILLE, MO 63304-6825

Mortgage

Document Number	2021R058472
Date	Jul 13, 2021
Instrument	2021R-058472

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1316 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 COMMONS CIR, COTTLEVILLE, MO 63304-6825

Mortgage

Document Number	0070322150
Date	Feb 5, 2019
Book Page	7032/2150
Instrument	20190205000054620

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2029

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1316 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0000066248
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 COMMONS CIR COTTLEVILLE MO 633046825, COTTLEVILLE, MO 63304-6825

Mortgage

Document Number	0000066248
Date	Sep 9, 2020
Instrument	66248

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 31, 2017
Property Address	1316 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0066930721
Book / Page	006693 / 000721
Instrument Date	Jan 27, 2017
Instrument	67310
Transaction Type	Transfer
Record Updated	Feb 27, 2017
Title Company	OTHER

Transaction

Amount	Amount 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
Address	1316 COMMONS CIR COTTLEVILLE MO 633046825, COTTLEVILLE, MO 63304-6825

Mortgage

Document Number	66930723
Date	Jan 31, 2017
Book Page	006693/000723
Instrument	67320

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	SAINT LOUIS, MO 63105

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1316 Commons Cir was $3,981, up 10.3% 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	$3,981.00 (+10.31%)	$64,574	$339,864 Building $339,864
2024	$3,609.00
2023		$57,986
2022			$305,187 Land $49,998 Building $255,189

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

FEMA maps place 1316 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 1316 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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