5584 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5584 Wavecrest Cir, Saint Charles, MO 63304 · Last verified March 2026

Property Highlights

Property Type	Residential > Condominium / Townhouse > Condominium
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2010
Square Footage	1,708 sqft Living Area
Lot Size	4,792 sqft (0.11 acres)
Garage	Attached
Occupancy	Owner Occupied
Tax Bill	$2,996.00 (2025)

Owner

Source: St. Charles County records · APN T091500068

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
Co-owner	2 Verified Secondary Owners
Mailing Address	5584 WAVECREST CIR, COTTLEVILLE, MO 63304-8044
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Aug 27, 2025
Deed Sale	Aug 27, 2025
Prior Sale	Oct 22, 2010 · Amount on Record
Deed Doc Number	0000037601
Record Refreshed	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5584 WAVECREST CIR, SAINT CHARLES, MO 63304-8044
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5584 WAVECREST CIR, COTTLEVILLE, MO 63304-8044

Mortgage

Document Number	0000051766
Date	Sep 20, 2022
Instrument	2022R-051766

Lender

Name	AMERICAN AIRLINES FCU
Type	Credit Union
Address	DALLAS, TX 75261

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2037

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,996.00 (+15.5%)	$48,488 (+10.26%)	$255,199 (+10.26%)
2023		$43,975 (+13.92%)
2022	$2,594.00	$38,603	$231,447 (+13.91%) Building $231,447
2021			$203,176

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`T091500068`
Alternative APN	`3-0110-A560-00-0061.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Total Rooms	5 Rooms
Building Area	1,708 sqft Living Area
Basement Area	684 sqft Basement
Stories	2 Stories

Exterior

Year Built	Built 2010
Architectural Style	Traditional Style
Exterior Material	Composition/Composite Exterior
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Porch	1 Porch
Porch Area	36 sqft Porch

Location & Zoning

Account Number	T091500068
Old Parcel Number	T091500068
Street Address	5584 WAVECREST CIR
City	SAINT CHARLES
State	MO
Zip	63304-8044
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TERRACE AT COLUMBUS POINTE LOT 61
Legal Range	03E
Legal Township	46N
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	61
Jurisdiction	ST CHARLES MO
Minor Civil Division	COTTLEVILLE
Census Blockgroup	1
Census Block	1000
Census Tract	311114