5515 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5515 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,704 sqft · built 2010
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jun 2018)
Tax Bill	$3,003 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T091500015`

Property Details

APN / Parcel Number

Primary APN	`T091500015`
Alternative APN	`3-0110-A560-00-0008.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,704 sqft Living Area
Gross Area	2,856 sqft
1st Floor Area	952 sqft
Basement Area	752 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500015
Street Address	5515 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 8
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	8
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	2 Individual Names on Record
Mailing Address	5515 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2017	Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Sep 1, 2020	Deed of Trust, Mortgage DELMAR FIN'L
Jun 13, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2018 · Amount on Record
Deed Sale	Jun 13, 2018 · Amount on Record
Prior Sale	Jun 22, 2015 · Amount on Record
Deed Document Number	2018330280
Deed Book / Page	6933 / 1237
Prior Transfer Date	Nov 2, 2012
Prior Transfer Doc	0000863130
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5515 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067330823
Date	Apr 26, 2017
Book Page	6733/0823
Instrument	20170426000249790

Lender

Name	NEIGHBORS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5515 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071491285
Date	Sep 25, 2019
Book Page	7149/1285
Instrument	20190925000528010

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5515 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000067134
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5515 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0000067134
Date	Sep 11, 2020
Instrument	67134

Lender

Name	DELMAR FIN'L
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 10, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 13, 2018
Property Address	5515 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0069331237
Book / Page	6933 / 1237
Map Reference	MB 45 PG 273
Instrument Date	Jun 6, 2018
Instrument	20180613000330280
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3443 HIRAM ST, 3443, SAINT CHARLES, MO 63301-8178

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5515 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Mortgage

Document Number	20180613000330290
Date	Jun 13, 2018
Instrument	20180613000330290

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$48,604 (-)	$255,811 (-) Building $255,811
2025	$3,003.00	$48,604 (+10.24%)	$255,811 (+10.24%)
2023		$44,090
2022			$232,053 Building $232,053

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.

Nearby Properties on Wavecrest Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures