203 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 203 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,576 sqft · built 2003
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$161,000 (Mar 2007)
Tax Bill	$3,711 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T010200122`

Property Details

APN / Parcel Number

Primary APN	`T010200122`
Alternative APN	`4-0011-8567-00-0033.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,576 sqft Living Area
Gross Area	3,151 sqft
1st Floor Area	1,365 sqft
Basement Area	1,345 sqft
Finished Basement	1,211 sqft
Unfinished Basement	134 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010200122
Street Address	203 SPLIT RAIL DR
City	WENTZVILLE
State	MO
Zip	63385-5566
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #4 LOT 33
Legal Subdivision	SUMMER BROOK #4
Legal Lot Number	33
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1003
Census Tract	312094

Owner

203 Split Rail Dr is owned by two individuals who bought it in March 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	65 SPANISH OAK CT, TROY, MO 63379-5204
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2007 · Amount on File
Deed Sale	Mar 7, 2007 · Amount on File
Prior Sale	Feb 18, 2005 · Amount on File
Deed Document Number	2007192720
Deed Book / Page	4703 / 626
Prior Transfer Date	Feb 23, 2007
Prior Transfer Doc	0047030626
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	203 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566
Transaction Type	Mortgage
Record Updated	Jan 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 SPANISH OAK CT, TROY, MO 63379-5204

Mortgage

Document Number	0000103023
Date	Dec 22, 2021
Instrument	2021R-103023

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	203 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 SPANISH OAK CT, TROY, MO 63379-5204

Mortgage

Document Number	0000099055
Date	Dec 7, 2021
Instrument	2021R-099055

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	203 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALL COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066792334
Date	Jan 3, 2017
Book Page	6679/2334
Instrument	20170103000004510

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 203 Split Rail Dr was $3,711, up 10.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	Wentzville City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,179 (-)	$290,418 (-) Land $50,000 Building $240,418
2025	$3,711.00 (+10.35%)	$55,179	$290,418 Land $50,000 Building $240,418
2024	$3,363.00
2023		$48,621
2022			$255,898 Land $40,000 Building $215,898

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

FEMA maps place 203 Split Rail Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

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

Wildfire risk around 203 Split Rail Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% 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	WENTZVILLE PWS serves 41,784 people · EPA ID MO6010849
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, Gateway Fiber, T-Mobile.

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