5535 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5535 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,580 sqft · built 2010
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$161,595 (May 2010)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	May 2023 Sale Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T091500025`

Property Details

APN / Parcel Number

Primary APN	`T091500025`
Alternative APN	`3-0110-A560-00-0018.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,580 sqft Living Area
Gross Area	2,664 sqft
1st Floor Area	896 sqft
Basement Area	684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500025
Street Address	5535 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 18
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	18
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 7, 2026

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	5535 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Beneficiary Deed, Transfer
Mar 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 21, 2010 · Amount on Record
Deed Sale	May 21, 2010 · Amount on Record
Deed Document Number	2010305060
Deed Book / Page	5386 / 467
Last Transfer Date	May 9, 2023
Transfer Doc	0000018206
Record Updated	Sep 20, 2026

May 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 12, 2023
Property Address	5535 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000018206
Map Reference	MB 45 PG 273&274
Instrument Date	May 9, 2023
Instrument	2023R-018206
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	222 HASTINGS WAY, SAINT CHARLES, MO 63301-4507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 HASTINGS WAY, SAINT CHARLES, MO 63301-4507
Investor	Possibly a Property Investor

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MO
Recording Date	Mar 4, 2021
Property Address	5535 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0246921668
Book / Page	24692 / 1668
Map Reference	MB 45 PG 273
Instrument Date	Feb 17, 2021
Instrument	2021030400258
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	FREEDOM TITLE LLC ST LOUIS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5535 WAVECREST CIR, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	2021030400259
Date	Mar 4, 2021
Instrument	2021030400259

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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		$46,329 (-)	$243,839 (-) Building $243,839
2025	$2,864.00 (+6.75%)	$46,329 (+7.76%)	$243,839 (+7.76%) Building $243,839
2024	$2,683.00
2023		$42,992
2022			$226,272 Building $226,272

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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