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5589 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5589 Wavecrest Cir, Saint Charles, MO 63304 · Last verified March 2026

Property Summary

Property TypeCondominium
Details3 bd · 4 ba · 1,796 sqft · built 2011
Lot Size0.069 acres (3,049 sqft)
OwnerIndividual Name on File
Last Sale$111,000 (Oct 2024)
Tax Bill$3,302 (2025)
Deeds & MortgagesNov 2021 Mortgage
Mar 2024 Sale
Flood ZoneZone X (minimal risk)
APNT091500077

Property Details

APN / Parcel Number

Primary APNT091500077
Alternative APN
  • 3-0110-A560-00-0070.0000000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths2 Half Baths
Total Rooms5 Rooms
Stories2 Stories
Building Area1,796 sqft Living Area
Basement Area718 sqft
Finished Basement582 sqft

Exterior

Year BuiltBuilt 2011
Architectural StyleTownhouse
Exterior MaterialBrick/Stone
Lot Area3,049 sqft (0.069 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Location & Zoning

Account NumberT091500077
Old Parcel NumberT091500077
Street Address5589 WAVECREST CIR
CitySAINT CHARLES
StateMO
Zip63304-8043
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionTERRACE AT COLUMBUS POINTE LOT 70
Legal Range03E
Legal Township46N
Legal SubdivisionTERRACE AT COLUMBUS POINTE
Legal Lot Number70
JurisdictionST CHARLES MO
Township / Civil DivisionCOTTLEVILLE
Census Block Group1
Census Block1000
Census Tract311114

Owner

Source: St. Charles County records · APN T091500077

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 RecordIndividual Name on File
Mailing Address5589 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2021Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Mar 29, 2024Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 02, 2024 · Amount on Record
Deed SaleOct 02, 2024 · Amount on Record
Prior SaleMar 29, 2024
Deed Document Number0202440489
Deed Book / Page2024 / 40489
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address5589 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction TypeMortgage
Record UpdatedJul 01, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address5589 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Mortgage

Document Number0000096579
DateNov 29, 2021
Instrument2021R-096579
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term296 Months
DueJul 01, 2046

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMar 29, 2024
Property Address5589 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number0000011754
Map ReferenceMB 45 PG 273
Instrument DateMar 26, 2024
Instrument2024R-011754
Transaction TypeTransfer
Record UpdatedJul 01, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMissouri
MunicipalityCottleville City
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,302.00 (+20.42%)$53,477 (+14.93%)$281,456 (+14.93%)
2023$46,530 (+13.99%)
2022$2,742.00$40,820$244,896 (+13.99%) Building $244,896
2021$214,841

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 369 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
WH i3B Bidco LLC/WH i3B TopcoFiber8,000 / 8,000
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

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