St. Charles County property record for 5534 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3.5 ba · 2,200 sqft · built 2011 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Company Name on File |
| Last Sale | $284,287 (Apr 2026) |
| Tax Bill | $2,982 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Line of Credit Aug 2020 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500054 |
| Primary APN | T091500054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Living Area |
| Gross Area | 2,652 sqft |
| 1st Floor Area | 884 sqft |
| Basement Area | 684 sqft |
| Finished Basement | 632 sqft |
| Unfinished Basement | 52 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,920 sqft (0.09 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T091500054 |
|---|---|
| Street Address | 5534 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 47 |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 47 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records · APN T091500054
Assessment roll updated August 13, 2025 · Last verified July 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 | 32 KENSINGTON PLACE CT, SAINT CHARLES, MO 63304-7354 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Apr 20, 2026 | Warranty Deed, Transfer · Line of Credit FIRST STATE COMMUNITY BANK |
| Aug 14, 2020 | Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Aug 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage JLB CORP |
| Jan 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Prior Sale | Aug 10, 2020 · Amount on Record |
| Deed Document Number | 202618003 |
| Prior Transfer Date | May 24, 2013 |
| Prior Transfer Doc | 0000442800 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 20, 2026 |
| Property Address | 5534 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0000018003 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202618003 |
| Transaction Type | Transfer |
| Record Updated | Aug 06, 2026 |
| Title Company | TITLE PARTNERS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 32 KENSINGTON PLACE CT, SAINT CHARLES, MO 63304-7354 |
| Document Number | 0000018004, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202618004 |
| Name | FIRST STATE COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 14, 2020 |
| Property Address | 5534 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0073711680 |
| Book / Page | 007371 / 001680 |
| Instrument Date | Aug 11, 2020 |
| Instrument | 583550 |
| Transaction Type | Transfer |
| Record Updated | Oct 06, 2020 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5534 WAVECREST CIR O FALLON MO 63366, O FALLON, MO 63366 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 10, 2020 |
| Property Address | 5534 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0073680406 |
| Book / Page | 7368 / 406 |
| Map Reference | MB 45 PG 273 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 20200810000571980 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5534 WAVECREST CIR, COTTLEVILLE, MO 63304-8044 |
| Document Number | 20200810000571990 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 20200810000571990 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 22, 2019 |
| Property Address | 5534 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0070280186 |
| Book / Page | 7028 / 0186 |
| Map Reference | MB 45 PG 273 |
| Instrument Date | Jan 17, 2019 |
| Instrument | 20190122000033300 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | SELECT TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5534 WAVECREST CIR, 5534, COTTLEVILLE, MO 63304-8044 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5534 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 20190122000033320 |
|---|---|
| Date | Jan 22, 2019 |
| Instrument | 20190122000033320 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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 | $2,982.00 (+6.54%) | $48,250 (+7.53%) | $253,945 (+7.53%) Building $253,945 |
| 2024 | $2,799.00 | ||
| 2023 | $44,872 | ||
| 2022 | $236,168 Building $236,168 |
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
| 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 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.
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.
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 |
| 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.
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