St. Charles County property record for 5520 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Row House |
|---|---|
| Details | 3 bd · 2 ba · 1,724 sqft · built 2010 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Nov 2021) |
| Deeds & Mortgages | Nov 2021 Sale Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500059 |
| Primary APN | T091500059 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,724 sqft Living Area |
| Basement Area | 684 sqft |
| Year Built | Built 2010 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Account Number | T091500059 |
|---|---|
| Old Parcel Number | T091500059 |
| Street Address | 5520 WAVECREST CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8044 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Row House |
| Legal Description | TERRACE AT COLUMBUS POINTE LOT 52 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 52 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records · APN T091500059
Assessment roll updated July 1, 2023 · Last verified October 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5520 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2021 | Personal Representative Deed, Transfer SELECT TITLE GROUP |
| Sep 17, 2020 | Deed of Trust, Mortgage · VA Mortgage GERSHMAN MTG |
| Jun 04, 2019 | Warranty Deed, Transfer · VA Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 17, 2021 · Amount on Record |
| Deed Sale | Nov 17, 2021 · Amount on Record |
| Prior Sale | Jun 04, 2019 · Amount on Record |
| Deed Document Number | 0202194338 |
| Deed Book / Page | 2021 / 94338 |
| Record Updated | Jun 07, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 17, 2021 |
| Property Address | 5520 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 2021R094338 |
| Map Reference | MB 45 PG 273 |
| Instrument Date | Nov 15, 2021 |
| Instrument | 2021R-094338 |
| Transaction Type | Transfer |
| Record Updated | Dec 02, 2021 |
| Title Company | SELECT TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5520 WAVECREST CIR, 5520, SAINT CHARLES, MO 63304-8044 |
| Name | Verified Name |
|---|---|
| Address | 5520 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5520 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0000088695 |
| Instrument Date | Sep 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Address | 5520 WAVECREST CIR COTTLEVILLE MO 633048044, COTTLEVILLE, MO 63304-8044 |
| Investor | Possibly a Property Investor |
| Document Number | 0000088695 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 88695 |
| Name | GERSHMAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 04, 2019 |
| Property Address | 5520 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0070831708 |
| Book / Page | 7083 / 1708 |
| Map Reference | MB 45 PG 273 |
| Instrument Date | May 30, 2019 |
| Instrument | 20190604000268840 |
| Transaction Type | Transfer |
| Record Updated | Dec 02, 2021 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5520 WAVECREST CIR, 5520, SAINT CHARLES, MO 63304-8044 |
| Name | Verified Name |
|---|---|
| Address | 5520 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Investor | Possibly a Property Investor |
| Document Number | 20190604000268850 |
|---|---|
| Date | Jun 04, 2019 |
| Instrument | 20190604000268850 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
Source: St. Charles County records · Assessment roll updated July 1, 2023 · Last verified October 2023
| 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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $44,419 | |
| 2022 | $233,784 Building $233,784 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco 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 USA Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 145 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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