1319 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1319 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,981 sqft · built 2014
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$200,990 (Jul 2026)
Tax Bill	$4,396 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T072500106`

Property Details

APN / Parcel Number

Primary APN	`T072500106`
Alternative APN	`3-0018-A108-00-1319.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,981 sqft Living Area
Gross Area	3,613 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	T072500106
Street Address	1319 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1319
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1319
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1025
Census Tract	311740

Owner

1319 Commons Cir is owned and occupied by two individuals who bought it in July 2026.

Source: St. Charles County records, as of September 14, 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	1319 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Mar 15, 2023	Deed of Trust, Mortgage · Line of Credit FCB BANKS
Nov 17, 2022	Warranty Deed, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026 · Amount on File
Deed Sale	Jul 8, 2026 · Amount on File
Prior Sale	Nov 17, 2022 · Amount on File
Deed Document Number	202631731
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 8, 2026
Property Address	1319 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0000031731
Instrument Date	Jun 30, 2026
Instrument	202631731
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1319 COMMONS CIR, SAINT CHARLES, MO 63304-6842

Mortgage

Document Number	0000031732,
Date	Jul 8, 2026
Instrument	202631732

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1319 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 WOLF RDG, SWANSEA, IL 62226-2360

Mortgage

Document Number	0000009576
Date	Mar 15, 2023
Instrument	2023R-009576

Lender

Name	FCB BANKS
Type	Bank
Address	BELLEVILLE, IL 62226

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2022
Property Address	1319 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0000061949
Map Reference	MB 43 PG 215
Instrument Date	Nov 15, 2022
Instrument	2022R-061949
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 DOWNVIEW DR, O FALLON, MO 63368-6578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1319 COMMONS CIR, SAINT CHARLES, MO 63304-6842

Tax Assessment & Valuation

The 2025 property tax bill for 1319 Commons Cir was $4,396.

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		$71,344 (-)	$375,495 (-) Building $375,495
2025	$4,396.00	$71,344	$375,495 Building $375,495
2023		$64,647
2022			$340,246 Land $49,998 Building $290,248

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 1319 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 1319 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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