St. Charles County property record for 5603 Wavecrest Cir, Saint Charles, MO 63304
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,312 sqft · built 2010 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,482 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T091500084 |
| Primary APN | T091500084 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,312 sqft Living Area |
| Basement Area | 556 sqft |
| Year Built | Built 2010 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 2,614 sqft (0.06 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 42 sqft |
| Account Number | T091500084 |
|---|---|
| Old Parcel Number | T091500084 |
| Street Address | 5603 WAVECREST CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8046 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | TERRACE AT COLUMBUS POINTE LOT 77 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | TERRACE AT COLUMBUS POINTE |
| Legal Lot Number | 77 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311114 |
Source: St. Charles County records, as of March 16, 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 | 5603 WAVECREST CIR, COTTLEVILLE, MO 63304-8046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2016 |
| Deed Sale | Oct 25, 2016 |
| Prior Sale | Dec 27, 2010 · Amount on Record |
| Deed Document Number | 0066372211 |
| Deed Book / Page | 5521 / 1715 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5603 WAVECREST CIR, SAINT CHARLES, MO 63304-8046 |
| Document Number | 0000000956 |
| Instrument Date | Dec 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 5603 WAVECREST CIR COTTLEVILLE MO 633048046, COTTLEVILLE, MO 63304-8046 |
| Document Number | 0000000956 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 956 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 4, 2051 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,482.00 | $40,096 (+8.73%) | $211,032 (+8.73%) |
| 2023 | $36,876 | ||
| 2022 | $194,086 Building $194,086 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 92% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Wisper ISP.
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