5529 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5529 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,704 sqft · built 2010
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Mar 2021)
Tax Bill	$2,999 (2025)
Deeds & Mortgages	Oct 2025 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T091500022`

Property Details

APN / Parcel Number

Primary APN	`T091500022`
Alternative APN	`3-0110-A560-00-0015.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 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	T091500022
Street Address	5529 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 15
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	15
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	5529 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Beneficiary Deed, Transfer
Mar 23, 2021	Warranty Deed, Transfer · Conventional Mortgage PEOPLES NATIONAL BANK NA
May 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2021 · Amount on Record
Deed Sale	Mar 23, 2021 · Amount on Record
Prior Sale	May 24, 2018 · Amount on Record
Deed Document Number	202125362
Last Transfer Date	Oct 24, 2025
Transfer Doc	0000048148
Record Updated	Oct 29, 2026

October 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 28, 2025
Property Address	5529 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000048148
Map Reference	MB 45 PG 273
Instrument Date	Oct 24, 2025
Instrument	2025R-048148
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5529 WAVECREST CIR, COTTLEVILLE, MO 63304-8043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5529 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2021
Property Address	5529 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	2021R025362
Map Reference	MB 45 PG 273
Instrument Date	Mar 19, 2021
Instrument	2021R-025362
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	JL LEMBANG NO 51, STATEN ISLAND, NY 10310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3201 SPRING RIVER DR, O FALLON, MO 63368-7424

Mortgage

Document Number	2021R025363
Date	Mar 23, 2021
Instrument	2021R-025363

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 24, 2018
Property Address	5529 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0069231479
Book / Page	006923 / 001479
Instrument Date	May 18, 2018
Instrument	286450
Transaction Type	Transfer
Record Updated	Jun 27, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5529 WAVECREST CIR ST CHARLES MO 633048043, ST CHARLES, MO 63304-8043

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		$48,538 (-)	$255,466 (-) Building $255,466
2025	$2,999.00	$48,538 (+10.24%)	$255,466 (+10.25%)
2023		$44,028
2022			$231,725 Building $231,725

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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.

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 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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