St. Charles County property record for 5521 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 1,394 sqft · built 2010 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $143,240 (Jun 2010) |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500018 |
| Primary APN | T091500018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,394 sqft Living Area |
| Gross Area | 2,378 sqft |
| 1st Floor Area | 810 sqft |
| Basement Area | 584 sqft |
| 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 |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T091500018 |
|---|---|
| Street Address | 5521 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 11 |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 11 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
5521 Wavecrest Cir, a condominium, is owned and occupied by an individual who acquired it in October 2013.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5521 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2010 · Amount on File |
| Deed Sale | Jun 10, 2010 · Amount on File |
| Deed Document Number | 2010348040 |
| Deed Book / Page | 5395 / 1671 |
| Last Transfer Date | Oct 5, 2013 |
| Transfer Doc | 0000797750 |
| Record Updated | Oct 29, 2026 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $43,167 | $227,194 Building $227,194 |
| 2023 | $39,724 | |
| 2022 | $209,074 Building $209,074 |
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.
FEMA maps place 5521 Wavecrest Cir in Zone X, an area of minimal flood risk.
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 risk around 5521 Wavecrest Cir is low, with a 0.02% annual chance of 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.
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 |
| 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.
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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