St. Charles County property record for 5516 Wavecrest Cir, Saint Charles, MO 63304 · Last verified April 2026
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,708 sqft · built 2010 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Aug 2021) |
| Tax Bill | $3,011 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500061 |
| Primary APN | T091500061 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| Gross Area | 2,792 sqft |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 684 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T091500061 |
|---|---|
| Street Address | 5516 WAVECREST CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8044 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | TERRACE AT COLUMBUS POINTE LOT 54 |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 54 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records · APN T091500061
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2059 WINDSWEPI FARMS DRIVE 5516 WAVECREST CIR, EUREKA, MO 63025 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 05, 2021 | Deed of Trust, Mortgage · Commercial Mortgage MIDWEST REGIONAL BANK |
| Aug 05, 2021 | Deed of Trust, Mortgage · Line of Credit MIDWEST REGIONAL BANK |
| Aug 05, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 05, 2021 · Amount on Record |
| Deed Sale | Aug 05, 2021 · Amount on Record |
| Prior Sale | Sep 29, 2010 · Amount on Record |
| Deed Document Number | 202165716 |
| Prior Transfer Date | Jul 23, 2021 |
| Prior Transfer Doc | 0000065716 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5516 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2059 WINDSWEPT FARMS DR, EUREKA, MO 63025-4101 |
| Document Number | 0000065718 |
|---|---|
| Date | Aug 05, 2021 |
| Instrument | 2021R-065718 |
| Name | MIDWEST REGIONAL BANK |
|---|---|
| Type | Bank |
| Address | FESTUS, MO 63028 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5516 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2059 WINDSWEPT FARMS DR, EUREKA, MO 63025-4101 |
| Document Number | 0000065717 |
|---|---|
| Date | Aug 05, 2021 |
| Instrument | 2021R-065717 |
| Name | MIDWEST REGIONAL BANK |
|---|---|
| Type | Bank |
| Address | FESTUS, MO 63028 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 05, 2021 |
| Property Address | 5516 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 2021R065716 |
| Map Reference | MB 45 PG 273 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 2021R-065716 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2059 WINDSWEPT FARMS DR # 5516, 5516, EUREKA, MO 63025-4101 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,011.00 (+9.17%) | $48,735 (+10.23%) | $256,500 (+10.23%) Building $256,500 |
| 2024 | $2,758.00 | ||
| 2023 | $44,211 | ||
| 2022 | $232,692 Building $232,692 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 369 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| WH i3B Bidco LLC/WH i3B Topco | Fiber | 8,000 / 8,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.
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