St. Charles County property record for 5569 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 1,728 sqft · built 2011 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,500 (Jul 2011) |
| Tax Bill | $3,016 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500042 |
| Primary APN | T091500042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| Basement Area | 684 sqft |
| Year Built | Built 2011 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Composition/Composite |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 36 sqft |
| Account Number | T091500042 |
|---|---|
| Old Parcel Number | T091500042 |
| Street Address | 5569 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 35 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 35 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records · APN T091500042
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5569 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jul 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 26, 2011 · Amount on Record |
| Deed Sale | Jul 26, 2011 · Amount on Record |
| Deed Document Number | 0056132094 |
| Deed Book / Page | 5613 / 2094 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5569 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5569 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Document Number | 0000047534 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 2025R-047534 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5569 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5569 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Document Number | 2021R060888 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 2021R-060888 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2041 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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 | $3,016.00 | $48,808 (+10.28%) | $256,884 (+10.28%) |
| 2023 | $44,259 | ||
| 2022 | $232,942 Building $232,942 |
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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