204 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 204 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,918 sqft · built 2002
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,500 (Apr 2020)
Tax Bill	$3,538 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010200126`

Property Details

APN / Parcel Number

Primary APN	`T010200126`
Alternative APN	`4-0011-8567-00-0109.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,918 sqft Living Area
Gross Area	2,778 sqft
1st Floor Area	1,306 sqft
Basement Area	644 sqft
Finished Basement	612 sqft
Unfinished Basement	32 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010200126
Street Address	204 SPLIT RAIL DR
City	WENTZVILLE
State	MO
Zip	63385-5565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #4 LOT 109
Legal Subdivision	SUMMER BROOK #4
Legal Lot Number	109
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1003
Census Tract	312094

Owner

Source: St. Charles County records, 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 Record	2 Individual Names on Record
Mailing Address	204 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Apr 17, 2020	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2020 · Amount on Record
Deed Sale	Apr 17, 2020 · Amount on Record
Prior Sale	Jun 14, 2016 · Amount on Record
Deed Document Number	2020241700
Deed Book / Page	7272 / 2190
Prior Transfer Date	Jun 18, 2004
Prior Transfer Doc	0039150721
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	204 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Transaction Type	Mortgage
Record Updated	Oct 3, 2022
Title Company	CLEAR TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565

Mortgage

Document Number	0000051568
Date	Sep 19, 2022
Instrument	2022R-051568

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 17, 2020
Property Address	204 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Document Number	0072722190
Book / Page	7272 / 2190
Map Reference	MB 37 PG 148
Instrument Date	Mar 5, 2020
Instrument	20200417000241700
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565

Mortgage

Document Number	20200417000241710
Date	Apr 17, 2020
Instrument	20200417000241710

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

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		$52,608 (-)	$276,886 (-) Building $276,886
2025	$3,538.00 (+7.6%)	$52,608 (+10.67%)	$276,886 (+10.67%) Building $276,886
2024	$3,288.00
2023		$47,536
2022			$250,188 Land $40,000 Building $210,188

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
Nearest Special Flood Hazard Area	Zone A, within 500 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

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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