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5595 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5595 Wavecrest Cir, Saint Charles, MO 63304 · Last verified March 2026

Property Highlights

Property TypeResidential > Condominium / Townhouse > Condominium
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 2012
Square Footage1,048 sqft Living Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$154,000 (2018)
Tax Bill$2,725.00 (2025)

Owner

Source: St. Charles County records · APN T091500080

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 Address5595 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 15, 2022Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Jul 16, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
HOME POINT FINANCIAL CORPORATION
May 22, 2018Warranty Deed, Transfer · Conventional Mortgage
FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 22, 2018 · Amount on Record
Deed SaleMay 22, 2018 · Amount on Record
Prior SaleSep 10, 2015
Deed Doc Number0006922740
Deed Book / Page6922 / 0740
Record RefreshedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address5595 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction TypeMortgage
Record UpdatedApr 28, 2022
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address5595 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Mortgage

Document Number0000021804
DateApr 15, 2022
Instrument2022R-021804
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address5595 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction TypeMortgage
Record UpdatedJul 30, 2021
Title CompanyNETCO INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address5595 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Mortgage

Document Number2021R059881
DateJul 16, 2021
Instrument2021R-059881
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 22, 2018
Property Address5595 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number0069220740
Book / Page6922 / 0740
Map ReferenceMB 45 PG 273
Instrument DateMay 18, 2018
Instrument20180522000281670
Transaction TypeTransfer
Record UpdatedAug 09, 2021
Title CompanyCONTINENTAL TITLE

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address163 BAYHILL VILLAGE DR, 163, O FALLON, MO 63368-4273

Transferred To (Grantee/Buyer)

NameVerified Name
Address5595 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
InvestorPossibly a Property Investor

Mortgage

Document Number20180522000281680
DateMay 22, 2018
Instrument20180522000281680
Lender
NameFLAT BRANCH HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2048

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$2,725.00$44,057 (+6.01%)$231,877 (+6.01%)
2023$41,558
2022$218,724 Building $218,724

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 5% of the US · above 8% of Missouri
Wildfire LikelihoodAbout 1 in 3,846 per year
ExposureDirect
burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APNT091500080
Alternative APN
  • 3-0110-A560-00-0073.0000000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,048 sqft Living Area
Basement Area1,048 sqft Basement
Finished Basement550 sqft Finished
Stories1 Stories

Exterior

Year BuiltBuilt 2012
Architectural StyleCondo/Apartment Style
Exterior MaterialBrick/Stone (Brick and/or Stone) Exterior
Lot Area7,405 sqft (0.169 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage

Location & Zoning

Account NumberT091500080
Old Parcel NumberT091500080
Street Address5595 WAVECREST CIR
CitySAINT CHARLES
StateMO
Zip63304-8043
Property UsageResidential Property Usage
TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionTERRACE AT COLUMBUS POINTE LOT 73
Legal Range03E
Legal Township46N
Legal SubdivisionTERRACE AT COLUMBUS POINTE
Legal Lot Number73
JurisdictionST CHARLES MO
Minor Civil DivisionCOTTLEVILLE
Census Blockgroup1
Census Block1000
Census Tract311114

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