5591 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5591 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,486 sqft · built 2011
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$132,915 (Nov 2011)
Tax Bill	$2,663 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jan 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T091500078`

Property Details

APN / Parcel Number

Primary APN	`T091500078`
Alternative APN	`3-0110-A560-00-0071.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,486 sqft Living Area
Gross Area	2,442 sqft
1st Floor Area	916 sqft
Basement Area	556 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
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

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500078
Street Address	5591 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 71
Legal Subdivision	TERRACE AT COLUMBUS POINTE
Legal Lot Number	71
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 July 13, 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 Record
Mailing Address	5591 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 20, 2017	Loan Modification, Mortgage · FHA Mortgage US BK
Jan 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2011 · Amount on Record
Deed Sale	Nov 1, 2011 · Amount on Record
Deed Document Number	2011668470
Deed Book / Page	5665 / 2182
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5591 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5591 WAVECREST CIR, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0000006306
Date	Feb 20, 2024
Instrument	2024R-006306

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Jan 1, 2064

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	5591 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0067140362
Book / Page	006714 / 000362
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	Mar 28, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5591 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0067140362
Date	Mar 20, 2017
Book Page	006714/000362
Instrument	163990

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5591 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number	0067130398
Book / Page	006713 / 000398
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	Mar 28, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5591 WAVECREST CIR COTTLEVILLE MO 633048043, COTTLEVILLE, MO 63304-8043

Mortgage

Document Number	0067130398
Date	Mar 17, 2017
Book Page	006713/000398
Instrument	159620

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$2,663.00	$43,053 (+7.81%)	$226,594 (+7.81%) Building $226,594
2023		$39,934
2022			$210,177 Building $210,177

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.

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.

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