St. Charles County property record for 5580 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 1,394 sqft · built 2010 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $157,000 (Dec 2017) |
| Tax Bill | $2,666 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500070 |
| Primary APN | T091500070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,394 sqft Living Area |
| Basement Area | 584 sqft |
| Year Built | Built 2010 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 48 sqft |
| Account Number | T091500070 |
|---|---|
| Old Parcel Number | T091500070 |
| Street Address | 5580 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 63 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 63 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records · APN T091500070
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 | Individual Name on File |
|---|---|
| Mailing Address | 5580 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage F&B ACQUISITION GROUP LLC |
| Dec 20, 2017 | Warranty Deed, Transfer F&B ACQUISITION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 20, 2017 · Amount on Record |
| Deed Sale | Dec 20, 2017 · Amount on Record |
| Prior Sale | Mar 10, 2016 |
| Deed Document Number | 0068552152 |
| Deed Book / Page | 6855 / 2152 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5580 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 5580 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0000029207 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 2022R-029207 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | OLD MONROE, MO 63369 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 01, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5580 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 5580 WAVECREST CIR, COTTLEVILLE, MO 63304-8044 |
| Document Number | 0000002894 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 2021R-002894 |
| Name | F&B ACQUISITION GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT LOUIS, MO 63131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 20, 2017 |
| Property Address | 5580 WAVECREST CIR, SAINT CHARLES, MO 63304-8044 |
| Document Number | 0068552152 |
| Book / Page | 006855 / 002152 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 784230 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2018 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5580 WAVECREST CIR COTTLEVILLE MO 633048044, COTTLEVILLE, MO 63304-8044 |
| Document Number | 68552154 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 006855/002154 |
| Instrument | 784240 |
| Name | F&B ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63131 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 19, 2047 |
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 | $2,666.00 | $43,086 (+8.68%) | $226,768 (+8.68%) |
| 2023 | $39,646 | ||
| 2022 | $208,664 Building $208,664 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111141, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system MO6010716, 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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