1332 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1332 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 2012
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Oct 2022)
Tax Bill	$3,396 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T072500111`

Property Details

APN / Parcel Number

Primary APN	`T072500111`
Alternative APN	`3-0018-A108-00-1332.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,048 sqft
Basement Area	528 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 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	T072500111
Street Address	1332 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1332
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1332
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1023
Census Tract	311740

Owner

Source: St. Charles County records, as of September 10, 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	1332 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Oct 3, 2022	Warranty Deed, Transfer ATG
Sep 15, 2017	Warranty Deed, Transfer ALLIANCE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	Jul 12, 2013 · Amount on Record
Deed Document Number	202254226
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1332 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031638
Date	Apr 12, 2021
Instrument	2021R-031638

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 3, 2022
Property Address	1332 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0000054226
Map Reference	MB 43 PG 215
Instrument Date	Sep 28, 2022
Instrument	2022R-054226
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10905 CEDARBERRY PL, SAINT LOUIS, MO 63123-7250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1332 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Investor	Possibly a Property Investor

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 15, 2017
Property Address	1332 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0068071819
Book / Page	006807 / 001819
Instrument Date	Sep 13, 2017
Instrument	580390
Transaction Type	Transfer
Record Updated	Oct 26, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

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
Address	1332 COMMONS CIR ST CHARLES MO 633046825, ST CHARLES, MO 63304-6825

Mortgage

Document Number	68071821
Date	Sep 15, 2017
Book Page	006807/001821
Instrument	580400

Lender

Name	ALLIANCE FCU
Type	Credit Union
Address	FENTON, MO 63026

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$55,012 (-)	$289,535 (-) Building $289,535
2025	$3,396.00	$55,012 (-3%)	$289,535 (-3%)
2023		$56,713
2022			$298,488 Land $49,998 Building $248,490

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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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