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5597 Wavecrest Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5597 Wavecrest Cir, Saint Charles, MO 63304

Property Summary

Property TypeCondominium
Details3 bd · 2 ba · 1,048 sqft · built 2012
Lot Size0.09 acres (3,920 sqft)
Owner2 Individual Names on File
Last Sale$144,300 (Nov 2015)
Tax Bill$2,421 (2025)
Deeds & MortgagesJan 2022 Mortgage
Apr 2026 Transfer
Flood ZoneZone X (minimal risk)
APNT091500081

Property Details

APN / Parcel Number

Primary APNT091500081
Alternative APN
  • 3-0110-A560-00-0074.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,048 sqft Living Area
Gross Area2,496 sqft
1st Floor Area1,048 sqft
Basement Area1,048 sqft

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Architectural StyleCondo/Apartment
Exterior MaterialBrick/Stone
Lot Area3,920 sqft (0.09 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberT091500081
Street Address5597 WAVECREST CIR
CitySAINT CHARLES
StateMO
Zip63304-8043
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionTERRACE AT COLUMBUS POINTE LOT 74
Legal SubdivisionTERRACE AT COLUMBUS POINTE
Legal Lot Number74
JurisdictionST CHARLES MO
Township / Civil DivisionCOTTLEVILLE
Census Block Group1
Census Block1000
Census Tract311114

Owner

Source: St. Charles County assessment roll, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address5597 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 7, 2022Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Apr 17, 2026Transfer on Death Deed, Transfer
NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 25, 2015 · Amount on Record
Deed SaleNov 25, 2015 · Amount on Record
Prior SaleApr 12, 2012 · Amount on Record
Deed Document Number2015774110
Deed Book / Page6455 / 769
Last Transfer DateApr 17, 2026
Transfer Doc0000017844
Record UpdatedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address5597 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Transaction TypeMortgage
Record UpdatedMay 7, 2026
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address5597 WAVECREST CIR, SAINT PETERS, MO 63304-8043

Mortgage

Document Number0000001552
DateJan 7, 2022
Instrument2022R-001552
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2052

April 2026: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionST CHARLES MO
Recording DateApr 17, 2026
Property Address5597 WAVECREST CIR, SAINT CHARLES, MO 63304-8043
Document Number0000017844
Instrument DateApr 17, 2026
Instrument202617844
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5597 WAVECREST CIR, SAINT CHARLES, MO 63304-8043

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$39,092 (-)$205,748 (-) Building $205,748
2025$2,421.00 (+5.54%)$39,092 (+6.51%)$205,748 (+6.51%) Building $205,748
2024$2,294.00
2023$36,702
2022$193,170 Building $193,170

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 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 RiskLow
lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 55 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco
Fiber		8,000 / 8,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: AT&T, Wisper ISP.

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