5553 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5553 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 2,084 sqft · built 2010
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$268,000 (Nov 2023)
Tax Bill	$2,489 (2022)
Deeds & Mortgages	Nov 2023 Sale Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T091500034`

Property Details

APN / Parcel Number

Primary APN	`T091500034`
Alternative APN	`3-0110-A560-00-0027.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,084 sqft Living Area
Gross Area	2,668 sqft
1st Floor Area	900 sqft
Basement Area	684 sqft
Finished Basement	500 sqft
Unfinished Basement	184 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 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	148 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500034
Street Address	5553 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 27
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	27
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1000
Census Tract	311114

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	5553 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Aug 5, 2021	Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2023 · Amount on Record
Deed Sale	Nov 22, 2023 · Amount on Record
Prior Sale	Aug 5, 2021 · Amount on Record
Deed Document Number	202347893
Prior Transfer Date	Mar 10, 2020
Prior Transfer Doc	0000147810
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 22, 2023
Property Address	5553 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000047893
Map Reference	MB 45 PG 273
Instrument Date	Nov 17, 2023
Instrument	2023R-047893
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 WHITE OAK DR, SAINT PETERS, MO 63376-2840

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5553 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 5, 2021
Property Address	5553 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0000065898
Map Reference	MB 45 PG 273
Instrument Date	Jul 28, 2021
Instrument	2021R-065898
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2504 LOWELL LN, O FALLON, MO 63368-8305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5553 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Mortgage

Document Number	0000065899
Date	Aug 5, 2021
Instrument	2021R-065899

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 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		$46,804 (+7.72%)	$246,335 (+7.72%) Building $246,335
2023		$43,449 (+17.39%)
2022	$2,489.00	$37,014	$228,678 (+17.39%) Building $228,678
2021			$194,809

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
i3 Broadband 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 Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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