5501 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5501 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,568 sqft · built 2010
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$190,500 (Nov 2020)
Tax Bill	$2,853 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T091500008`

Property Details

APN / Parcel Number

Primary APN	`T091500008`
Alternative APN	`3-0110-A560-00-0001.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Basement Area	684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	36 sqft

Location & Zoning

Account Number	T091500008
Old Parcel Number	T091500008
Street Address	5501 WAVECREST CIR
City	SAINT CHARLES
State	MO
Zip	63304-8043
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TERRACE AT COLUMBUS POINTE LOT 1
Legal Range	03E
Legal Township	46N
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1000
Census Tract	311114

Owner

Source: St. Charles County records, as of March 16, 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	625 LOUGHMOR PASS, WELDON SPRING, MO 63304-0506
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK
Apr 28, 2021	Beneficiary Deed, Transfer
Nov 17, 2020	Warranty Deed, Transfer · FHA Mortgage FLAT BR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Prior Sale	Feb 3, 2014 · Amount on Record
Deed Document Number	0202089341
Deed Book / Page	2020 / 89341
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5501 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5501 WAVECREST CIR, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0000006599
Date	Feb 1, 2022
Instrument	2022R-006599

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

April 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 28, 2021
Property Address	5501 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000037307
Map Reference	MB 45 PG 273
Instrument Date	Apr 27, 2021
Instrument	2021R-037307
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2020
Property Address	5501 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000089341
Instrument Date	Nov 13, 2020
Instrument	89341
Transaction Type	Transfer
Record Updated	Mar 4, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

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	625 LOUGHMOR PASS WELDON SPRING MO 633040506, WELDON SPRING, MO 63304-0506

Mortgage

Document Number	89342
Date	Nov 17, 2020
Instrument	89342

Lender

Name	FLAT BR MTG
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

Tax Assessment & Valuation

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,853.00 (+18.33%)	$46,155 (+7.74%)	$242,922 (+7.74%)
2023		$42,838 (+19.52%)
2022	$2,411.00	$35,842	$225,462 (+19.52%) Building $225,462
2021			$188,641

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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