St. Charles County property record for 5583 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3.5 ba · 2,152 sqft · built 2012 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Company Name on File |
| Last Sale | $210,000 (Sep 2018) |
| Tax Bill | $2,884 (2024) |
| Deeds & Mortgages | Oct 2021 Transfer Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500074 |
| Primary APN | T091500074 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,152 sqft Living Area |
| Gross Area | 2,770 sqft |
| 1st Floor Area | 934 sqft |
| Basement Area | 718 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 218 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T091500074 |
|---|---|
| Street Address | 5583 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 67 |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 67 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records · APN T091500074
Assessment roll updated August 7, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5583 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 19, 2021 | Intrafamily Transfer, Transfer |
| Jan 06, 2021 | Deed of Trust, Mortgage NEW AMERICAN FNDG |
| Nov 29, 2018 | Quit Claim Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO. |
| Sep 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 20, 2018 · Amount on Record |
| Deed Sale | Sep 20, 2018 · Amount on Record |
| Prior Sale | Sep 20, 2018 · Amount on Record |
| Deed Document Number | 2018541150 |
| Deed Book / Page | 6979 / 2390 |
| Last Transfer Date | Oct 07, 2021 |
| Transfer Doc | 0000086392 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 19, 2021 |
| Property Address | 5583 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Document Number | 2021R086392 |
| Map Reference | MB 45 PG 273 |
| Instrument Date | Oct 07, 2021 |
| Instrument | 2021R-086392 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 5583 WAVECREST CIR, COTTLEVILLE, MO 63304-8043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5583 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Document Number | 0000004130 |
| Instrument Date | Jan 06, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 5583 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043 |
| Document Number | 0000004130 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 4130 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 13, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 29, 2018 |
| Property Address | 5583 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Document Number | 0070081038 |
| Book / Page | 007008 / 001038 |
| Instrument Date | Nov 17, 2018 |
| Instrument | 669850 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2018 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5583 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 20, 2018 |
| Property Address | 5583 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Document Number | 0069792388 |
| Book / Page | 6979 / 2388 |
| Map Reference | MB 45 PG 273 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 20180920000541140 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2021 |
| Title Company | HERITAGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5583 WAVECREST CIR, SAINT CHARLES, MO 63304-8043 |
| Document Number | 20180920000541160 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 20180920000541160 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 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 |
|---|---|---|---|
| 2026 | $49,784 (-) | $262,022 (-) Building $262,022 | |
| 2025 | $49,784 (+7.62%) | $262,022 (+7.62%) Building $262,022 | |
| 2024 | $2,884.00 | ||
| 2023 | $46,257 | ||
| 2022 | $243,459 Building $243,459 |
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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