St. Charles County property record for 5528 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3.5 ba · 2,266 sqft · built 2012 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $162,400 (Sep 2018) |
| Tax Bill | $3,216 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500057 |
| Primary APN | T091500057 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,266 sqft Living Area |
| Gross Area | 2,894 sqft |
| 1st Floor Area | 1,058 sqft |
| Basement Area | 718 sqft |
| Finished Basement | 490 sqft |
| Unfinished Basement | 228 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T091500057 |
|---|---|
| Street Address | 5528 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 50 |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 50 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records, as of August 13, 2025
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 | 5528 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC |
| Sep 17, 2018 | Quit Claim Deed, Transfer · FHA Mortgage HOME LOAN EXPERT LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2018 · Amount on Record |
| Deed Sale | Sep 17, 2018 · Amount on Record |
| Prior Sale | Aug 25, 2016 |
| Deed Document Number | 2018532780 |
| Deed Book / Page | 6978 / 177 |
| Prior Transfer Date | Sep 13, 2018 |
| Prior Transfer Doc | 0069780177 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5528 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5528 WAVECREST CIR, COTTLEVILLE, MO 63304-8044 |
| Document Number | 2021R054143 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | 2021R-054143 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 17, 2018 |
| Property Address | 5528 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0069780177 |
| Book / Page | 006978 / 000177 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 532780 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2018 |
| Title Company | TRI TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5528 WAVECREST CIR ST CHARLES MO 633048044, ST CHARLES, MO 63304-8044 |
| Document Number | 69780179 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 006978/000179 |
| Instrument | 532790 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2048 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,216.00 (+9.05%) | $52,076 (+10.1%) | $274,087 (+10.1%) Building $274,087 |
| 2024 | $2,949.00 | ||
| 2023 | $47,298 | ||
| 2022 | $248,935 Building $248,935 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 369 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 · DSL | 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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