5533 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5533 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,521 sqft · built 2010
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$158,999 (Mar 2019)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Jul 2026 Sale Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T091500024`

Property Details

APN / Parcel Number

Primary APN	`T091500024`
Alternative APN	`3-0110-A560-00-0017.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,521 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	728 sqft
Basement Area	528 sqft
Finished Basement	265 sqft
Unfinished Basement	263 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	Deck Area
Patio Area	74 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500024
Street Address	5533 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 17
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1000
Census Tract	311114

Owner

Source: St. Charles County assessment roll, 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 File
Mailing Address	5533 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 4, 2020	Deed of Trust, Mortgage CARROLLTON BK
Mar 29, 2019	Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Prior Sale	Jul 14, 2010 · Amount on Record
Deed Document Number	2019139260
Deed Book / Page	7052 / 1164
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 15, 2026
Property Address	5533 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000033159
Instrument Date	Jul 8, 2026
Instrument	202633159
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5533 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5533 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000089651
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5533 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0000089651
Date	Nov 18, 2020
Instrument	89651

Lender

Name	CARROLLTON BK
Type	Bank
Address	SAINT LOUIS, MO 63109

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 29, 2019
Property Address	5533 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0070521164
Book / Page	7052 / 1164
Map Reference	MB 45 PG 273
Instrument Date	Mar 28, 2019
Instrument	20190329000139260
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	UNIVERSITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5533 WAVECREST CIR, 5533, COTTLEVILLE, MO 63304-8043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5533 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Mortgage

Document Number	20190329000139270
Date	Mar 29, 2019
Instrument	20190329000139270

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,478.00	$40,017 (+8.53%)	$210,616 (+8.53%) Building $210,616
2023		$36,872
2022			$194,062 Building $194,062

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.

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

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)
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.

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