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5576 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5576 Wavecrest Cir, Saint Charles, MO 63304 · Last verified November 2025

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 1,568 sqft · built 2010
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on File
Deeds & MortgagesNov 2025 Mortgage
Flood ZoneZone X (minimal risk)
APNT091500047

Property Details

APN / Parcel Number

Primary APNT091500047
Alternative APN
  • 3-0110-A560-00-0040.0000000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories2 Stories
Building Area1,568 sqft Living Area
Basement Area684 sqft
Finished Basement500 sqft

Exterior

Year BuiltBuilt 2010
Architectural StyleTraditional
Exterior MaterialComposition/Composite
Lot Area6,534 sqft (0.15 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces
PorchPorch
Porch Area36 sqft

Location & Zoning

Account NumberT091500047
Old Parcel NumberT091500047
Street Address5576 WAVECREST CIR
CitySAINT CHARLES
StateMO
Zip63304-8044
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionTERRACE AT COLUMBUS POINTE LOT 40
Legal Range03E
Legal Township46N
Legal SubdivisionTERRACE AT COLUMBUS POINTE
Legal Lot Number40
JurisdictionST CHARLES MO
Township / Civil DivisionCOTTLEVILLE
Census Block Group1
Census Block1000
Census Tract311114

Owner

Source: St. Charles County records · APN T091500047

Assessment roll updated July 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address5576 WAVECREST CIR, COTTLEVILLE, MO 63304-8044
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 07, 2025
Deed SaleNov 07, 2025
Prior SaleJun 07, 2010 · Amount on Record
Deed Document Number2025R-050154
Record UpdatedJun 08, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateNov 07, 2025
Property Address5576 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Document Number0000050154
Map ReferenceMB 45 PG 273
Instrument DateOct 31, 2025
Instrument2025R-050154
Transaction TypeTransfer
Record UpdatedNov 21, 2025
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address23 SOUTH TRL, SAINT PETERS, MO 63376-1742

Transferred To (Grantee/Buyer)

NameVerified Name
Address5576 WAVECREST CIR, COTTLEVILLE, MO 63304-8044

Mortgage

Document Number0000050155
DateNov 07, 2025
Instrument2025R-050155
Lender
NameDAS ACQUISITION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2055

Mortgage

Document Number0000050156
DateNov 07, 2025
Instrument2025R-050156
Lender
NameMISSOURI HOUSING DEVELOPMENT COMMISSION
TypeGovernment Agency
AddressKANSAS CITY, MO 64106
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

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 and are not market price estimates.

YearAssessed ValueAssessed Market Value
2025$46,174 (+7.74%)$243,020 (+7.74%)
2023$42,856
2022$225,557 Building $225,557

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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