5530 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5530 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,326 sqft · built 2012
Lot Size	0.07 acres (3,049 sqft)
Owner	Company Name on File
Last Sale	$168,000 (Mar 2016)
Tax Bill	$3,084 (2025)
Deeds & Mortgages	Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`T091500056`

Property Details

APN / Parcel Number

Primary APN	`T091500056`
Alternative APN	`3-0110-A560-00-0049.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,326 sqft Living Area
Gross Area	2,754 sqft
1st Floor Area	918 sqft
Basement Area	718 sqft
Finished Basement	690 sqft
Unfinished Basement	28 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500056
Street Address	5530 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 49
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	49
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1000
Census Tract	311114

Owner

Source: St. Charles County records · APN T091500056

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	Company Name on File
Mailing Address	327 LAKE SIDE VIEW LN, SAINT PETERS, MO 63376-2293
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 21, 2016 · Amount on Record
Deed Sale	Mar 21, 2016 · Amount on Record
Prior Sale	May 21, 2012 · Amount on Record
Deed Document Number	2016159670
Deed Book / Page	6507 / 631
Transfer Doc	0066882057
Record Updated	Jun 08, 2026

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 23, 2017
Property Address	5530 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Document Number	0066882057
Book / Page	006688 / 002057
Instrument Date	Jan 12, 2017
Instrument	44220
Transaction Type	Transfer
Record Updated	Jan 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5530 WAVECREST CIR ST CHARLES MO 633048044, ST CHARLES, MO 63304-8044

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 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

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	$3,084.00 (+6.57%)	$49,925 (+7.58%)	$262,762 (+7.58%) Building $262,762
2024	$2,894.00
2023		$46,409
2022			$244,259 Building $244,259

Flood & Wildfire

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

Flood

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

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 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.

Internet Providers

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 · DSL	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 369 locations within half a mile of this property.

Drinking Water

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

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 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.