1342 Commons Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1342 Commons Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2013
Lot Size	0.246 acres (10,759 sqft)
Owner	Individual Name on File
Tax Bill	$3,604 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T072500121`

Property Details

APN / Parcel Number

Primary APN	`T072500121`
Alternative APN	`3-0018-A108-00-1342.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Basement Area	684 sqft

Exterior

Year Built	Built 2013
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Lot Area	10,759 sqft (0.246 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T072500121
Old Parcel Number	T072500121
Street Address	1342 COMMONS CIR
City	SAINT CHARLES
State	MO
Zip	63304-6825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN PT LOT 1342
Legal Range	03E
Legal Township	46N
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1342
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1023
Census Tract	311740

Owner

1342 Commons Cir is owned and occupied by an individual who acquired it in November 2025.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1342 COMMONS CIR, SAINT PETERS, MO 63304-6825
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION
Nov 4, 2025	Intrafamily Transfer, Transfer
Oct 19, 2020	Deed of Trust, Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025
Deed Sale	Nov 4, 2025
Prior Sale	Dec 30, 2014
Deed Document Number	2025R-049413
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 26, 2026
Property Address	1342 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0000040772
Instrument Date	Aug 14, 2026
Instrument	202640772
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1342 COMMONS CIR, SAINT CHARLES, MO 63304-6825

Mortgage

Document Number	0000040772,
Date	Aug 26, 2026
Instrument	202640772

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 4, 2025
Property Address	1342 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0000049413
Map Reference	MB 43 PG 215
Instrument Date	Sep 20, 2025
Instrument	2025R-049413
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1342 COMMONS CIR, SAINT CHARLES, MO 63304-6825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1342 COMMONS CIR, SAINT PETERS, MO 63304-6825

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1342 COMMONS CIR, SAINT CHARLES, MO 63304-6825
Document Number	0000081365
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1342 COMMONS CIR ST CHARLES MO 633046825, ST CHARLES, MO 63304-6825

Mortgage

Document Number	0000081365
Date	Oct 26, 2020
Instrument	81365

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1342 Commons Cir was $3,604.

Source: St. Charles County assessment roll, as of July 1, 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	$3,604.00	$58,415	$307,447
2023		$52,106
2022			$274,244 Land $49,998 Building $224,246

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1342 Commons Cir in Zone X, an area of minimal flood risk, within 100 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 100 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 1342 Commons Cir is low, with less than 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 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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