5503 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5503 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,528 sqft · built 2010
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Feb 2020)
Tax Bill	$2,734 (2025)
Deeds & Mortgages	May 2023 Line of Credit Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T091500009`

Property Details

APN / Parcel Number

Primary APN	`T091500009`
Alternative APN	`3-0110-A560-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,528 sqft Living Area
Gross Area	2,512 sqft
1st Floor Area	944 sqft
Basement Area	584 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500009
Street Address	5503 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 2
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	2
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 August 7, 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	5503 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 25, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ENTERPRISE BANK & TRUST
Sep 5, 2019	Warranty Deed, Transfer · Conventional Mortgage ENTERPRISE BANK & TRUST
Aug 17, 2017	Grant Deed, Transfer ESSEX RESIDENTIAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2020 · Amount on Record
Deed Sale	Feb 25, 2020 · Amount on Record
Prior Sale	Sep 5, 2019 · Amount on Record
Deed Document Number	2020115730
Deed Book / Page	7237 / 106
Last Transfer Date	Apr 27, 2021
Transfer Doc	0000037307
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5503 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5503 WAVECREST CIR, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0000020536
Date	May 31, 2023
Instrument	2023R-020536

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 13, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 25, 2020
Property Address	5503 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0072370106
Book / Page	7237 / 106
Map Reference	MB 45 PG 273
Instrument Date	Feb 20, 2020
Instrument	20200225000115730
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SECOLINK SETTLEMENT SVCS LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5503 WAVECREST CIR, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	20200225000115740
Date	Feb 25, 2020
Instrument	20200225000115740

Lender

Name	ENTERPRISE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 5, 2019
Property Address	5503 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0071361813
Book / Page	7136 / 1813
Map Reference	MB 45 PG 273
Instrument Date	Sep 3, 2019
Instrument	20190905000478340
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5503 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Mortgage

Document Number	20190905000478350
Date	Sep 5, 2019
Instrument	20190905000478350

Lender

Name	ENTERPRISE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 17, 2017
Property Address	5503 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0067931044
Book / Page	006793 / 001044
Instrument Date	Aug 15, 2017
Instrument	519520
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	NOT AVAILABLE

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	5503 WAVECREST CIR ST CHARLES MO 633048043, ST CHARLES, MO 63304-8043

Mortgage

Document Number	67931046
Date	Aug 17, 2017
Book Page	006793/001046
Instrument	519530

Lender

Name	ESSEX RESIDENTIAL MORTGAGE LLC
Address	SAINT LOUIS, MO 63127

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2047

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,205 (-)	$232,657 (-) Building $232,657
2025	$2,734.00 (+6.84%)	$44,205 (+7.83%)	$232,657 (+7.83%) Building $232,657
2024	$2,559.00
2023		$40,996
2022			$215,766 Building $215,766

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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