5578 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5578 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,396 sqft · built 2011
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Feb 2022)
Tax Bill	$2,666 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T091500071`

Property Details

APN / Parcel Number

Primary APN	`T091500071`
Alternative APN	`3-0110-A560-00-0064.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,396 sqft Living Area
Gross Area	2,324 sqft
1st Floor Area	868 sqft
Basement Area	528 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500071
Street Address	5578 WAVECREST CIR
City	SAINT CHARLES
State	MO
Zip	63304-8044
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TERRACE AT COLUMBUS POINTE LOT 64
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	64
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	2 Individual Names on Record
Mailing Address	5578 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITYAMERICA CU
Feb 25, 2022	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Feb 25, 2022	Intrafamily Transfer, Transfer FREEDOM TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Jun 15, 2015 · Amount on Record
Deed Document Number	202211193
Prior Transfer Date	Feb 10, 2014
Prior Transfer Doc	0000070970
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5578 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5578 WAVECREST CIR, COTTLEVILLE, MO 63304-8044

Mortgage

Document Number	0000013983
Date	Mar 27, 2026
Instrument	2026R-013983

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 25, 2022
Property Address	5578 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Document Number	0000011193
Map Reference	MB 45 PG 273
Instrument Date	Feb 14, 2022
Instrument	2022R-011193
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5578 WAVECREST CIR, COTTLEVILLE, MO 63304-8044

Mortgage

Document Number	0000011194
Date	Feb 25, 2022
Instrument	2022R-011194

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 25, 2022
Property Address	5578 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Document Number	0000011192
Map Reference	MB 45 PG 273
Instrument Date	Feb 14, 2022
Instrument	2022R-011192
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5578 WAVECREST CIR, COTTLEVILLE, MO 63304-8044

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		$43,098 (-)	$226,831 (-) Building $226,831
2025	$2,666.00 (+7.63%)	$43,098 (+8.68%)	$226,831 (+8.68%) Building $226,831
2024	$2,477.00
2023		$39,655
2022			$208,711 Building $208,711

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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