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5540 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5540 Wavecrest Cir, Saint Charles, MO 63304 · Last verified March 2026

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 1,728 sqft · built 2011
Lot Size0.139 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$173,000 (Jul 2018)
Tax Bill$3,021 (2025)
Deeds & MortgagesJul 2018 Sale
Flood ZoneZone X (minimal risk)
APNT091500051

Property Details

APN / Parcel Number

Primary APNT091500051
Alternative APN
  • 3-0110-A560-00-0044.0000000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories2 Stories
Building Area1,728 sqft Living Area
Basement Area684 sqft

Exterior

Year BuiltBuilt 2011
Architectural StyleTownhouse
Exterior MaterialComposition/Composite
Lot Area6,098 sqft (0.139 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area36 sqft

Location & Zoning

Account NumberT091500051
Old Parcel NumberT091500051
Street Address5540 WAVECREST CIR
CitySAINT CHARLES
StateMO
Zip63304-8044
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionTERRACE AT COLUMBUS POINTE LOT 44
Legal Range03E
Legal Township46N
Legal SubdivisionTERRACE AT COLUMBUS POINTE
Legal Lot Number44
JurisdictionST CHARLES MO
Township / Civil DivisionCOTTLEVILLE
Census Block Group1
Census Block1000
Census Tract311114

Owner

Source: St. Charles County records · APN T091500051

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 Record2 Individual Names on File
Mailing Address15018 SE 44TH ST, BELLEVUE, WA 98006-2418
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 31, 2018 · Amount on Record
Deed SaleJul 31, 2018 · Amount on Record
Prior SaleFeb 10, 2011 · Amount on Record
Deed Document Number0006956559
Deed Book / Page6956 / 0559
Record UpdatedJun 08, 2026

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJul 31, 2018
Property Address5540 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Document Number0069560559
Book / Page006956 / 000559
Instrument DateJul 26, 2018
Instrument434180
Transaction TypeTransfer
Record UpdatedAug 23, 2018

Transaction

AmountAmount Recorded
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address5540 WAVECREST CIR COTTLEVILLE MO 633048044, COTTLEVILLE, MO 63304-8044

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMissouri
MunicipalityCottleville City
CountySt. Charles County
Unified School DistrictFrancis 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,021.00$48,895 (+10.27%)$257,344 (+10.27%)
2023$44,342
2022$233,379 Building $233,379

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 369 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
WH i3B Bidco LLC/WH i3B TopcoFiber8,000 / 8,000
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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