5538 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5538 Wavecrest Cir, Saint Charles, MO 63304 · Last verified March 2026

Property Highlights

Property Type	Residential > Condominium / Townhouse > Condominium
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2011
Square Footage	1,864 sqft Living Area
Lot Size	3,485 sqft (0.08 acres)
Occupancy	Owner Occupied
Last Sale	$260,000 (2024)
Tax Bill	$3,179.00 (2025)

Owner

Source: St. Charles County records · APN T091500052

Assessment roll updated July 1, 2025 · Last verified March 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	5538 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 03, 2024 · Amount on Record
Deed Sale	Sep 03, 2024 · Amount on Record
Prior Sale	Mar 30, 2011 · Amount on Record
Deed Doc Number	0202435720
Deed Book / Page	2024 / 35720
Record Refreshed	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5538 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073740062
Date	Aug 18, 2020
Book Page	7374/62
Instrument	20200818000592530

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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	$3,179.00	$51,476 (+7.99%)	$270,925 (+7.99%)
2023		$47,668
2022			$250,882 Building $250,882

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`T091500052`
Alternative APN	`3-0110-A560-00-0045.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Total Rooms	4 Rooms
Building Area	1,864 sqft Living Area
Basement Area	752 sqft Basement
Stories	2 Stories

Exterior

Year Built	Built 2011
Architectural Style	Townhouse Style
Exterior Material	Composition/Composite Exterior
Lot Area	3,485 sqft (0.08 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Porch	1 Porch
Porch Area	48 sqft Porch

Location & Zoning

Account Number	T091500052
Old Parcel Number	T091500052
Street Address	5538 WAVECREST CIR
City	SAINT CHARLES
State	MO
Zip	63304-8044
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TERRACE AT COLUMBUS POINTE LOT 45
Legal Range	03E
Legal Township	46N
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	45
Jurisdiction	ST CHARLES MO
Minor Civil Division	COTTLEVILLE
Census Blockgroup	1
Census Block	1000
Census Tract	311114