5581 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5581 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,636 sqft · built 2012
Lot Size	0.069 acres (3,049 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,032 (2025)
Deeds & Mortgages	May 2020 Transfer Jun 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T091500073`

Property Details

APN / Parcel Number

Primary APN	`T091500073`
Alternative APN	`3-0110-A560-00-0066.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,636 sqft Living Area
Basement Area	718 sqft
Finished Basement	380 sqft

Exterior

Year Built	Built 2012
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Lot Area	3,049 sqft (0.069 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T091500073
Old Parcel Number	T091500073
Street Address	5581 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 66
Legal Range	03E
Legal Township	46N
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	66
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 March 16, 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	5581 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Intrafamily Transfer, Transfer
Jun 21, 2017	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Jul 8, 2016	Loan Modification, Mortgage MIDLAND STATES BK
Jun 27, 2016	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2020
Deed Sale	May 19, 2020
Prior Sale	Jun 21, 2017 · Amount on Record
Deed Document Number	0072982222
Deed Book / Page	6762 / 1695
Record Updated	Jun 8, 2026

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 19, 2020
Property Address	5581 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0072982222
Book / Page	7298 / 2222
Map Reference	MB 45 PG 273
Instrument Date	May 9, 2020
Instrument	20200519000325690
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 WAVECREST CIR, COTTLEVILLE, MO 63304-8043

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 21, 2017
Property Address	5581 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0067621695
Book / Page	6762 / 1695
Map Reference	MB 45 PG 273
Instrument Date	Jun 19, 2017
Instrument	20170621000379040
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7065 BLACK HORSE DR, O FALLON, MO 63368-6207

Mortgage

Document Number	20170621000380740
Date	Jun 21, 2017
Instrument	20170621000380740

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

July 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	5581 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0067591398
Book / Page	006759 / 001398
Instrument Date	Jul 8, 2016
Transaction Type	Mortgage
Record Updated	Jun 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0067591398
Date	Jun 15, 2017
Book Page	006759/001398
Instrument	365180

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5581 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0067381137
Book / Page	006738 / 001137
Instrument Date	Jun 27, 2016
Transaction Type	Mortgage
Record Updated	May 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0067381137
Date	May 4, 2017
Book Page	006738/001137
Instrument	270800

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,032.00	$49,076 (+8.89%)	$258,297 (+8.89%)
2023		$45,071
2022			$237,215 Building $237,215

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

Nearby Properties on Wavecrest Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures