1321 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1321 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,128 sqft · built 2014
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$220,500 (Sep 2020)
Tax Bill	$4,421 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T072500108`

Property Details

APN / Parcel Number

Primary APN	`T072500108`
Alternative APN	`3-0018-A108-00-1321.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	3,592 sqft
1st Floor Area	1,064 sqft
Basement Area	1,064 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	T072500108
Street Address	1321 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1321
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1321
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1025
Census Tract	311740

Owner

1321 Commons Cir is owned and occupied by two individuals who bought it in September 2020.

Source: St. Charles County records, as of October 12, 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	1321 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage DIGITAL FCU
Sep 29, 2020	Quit Claim Deed, Transfer CITIZENS NAT'L BK/GREATER ST L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Prior Sale	Sep 29, 2020 · Amount on File
Deed Document Number	202072473
Prior Transfer Date	Sep 21, 2020
Prior Transfer Doc	0000000073
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1321 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069740822
Date	Sep 7, 2018
Book Page	6974/0822
Instrument	20180907000515780

Lender

Name	DIGITAL FCU
Type	Credit Union
Address	MARLBOROUGH, MA 01752

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2033

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 29, 2020
Property Address	1321 COMMONS CIR, SAINT CHARLES, MO 63304-6842
Document Number	0000072473
Instrument Date	Sep 21, 2020
Instrument	72473
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1321 COMMONS CIR ST CHARLES MO 633046842, ST CHARLES, MO 63304-6842

Mortgage

Document Number	72474
Date	Sep 29, 2020
Instrument	72474

Lender

Name	CITIZENS NAT'L BK/GREATER ST L
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 28, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1321 Commons Cir was $4,421, up 8.5% from the year before.

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		$71,762 (-)	$377,694 (-) Land $70,001 Building $307,693
2025	$4,421.00 (+8.49%)	$71,762	$377,694 Land $70,001 Building $307,693
2024	$4,075.00
2023		$65,546
2022			$344,977 Land $49,998 Building $294,979

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 1321 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 1321 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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