218 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 218 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,893 sqft · built 2002
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Aug 2023)
Tax Bill	$3,696 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T010200218`

Property Details

APN / Parcel Number

Primary APN	`T010200218`
Alternative APN	`4-0010-8569-00-0103.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,893 sqft Living Area
Gross Area	2,780 sqft
1st Floor Area	1,308 sqft
Basement Area	616 sqft
Finished Basement	585 sqft
Unfinished Basement	31 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	856 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	Deck Area
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	T010200218
Street Address	218 SPLIT RAIL DR
City	WENTZVILLE
State	MO
Zip	63385-5565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #6 LOT 103
Legal Subdivision	SUMMER BROOK #6
Legal Lot Number	103
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1003
Census Tract	312094

Owner

218 Split Rail Dr is owned and occupied by an individual who bought it in August 2023.

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	Individual Name on File
Mailing Address	218 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 11, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 14, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2023 · Amount on File
Deed Sale	Aug 11, 2023 · Amount on File
Prior Sale	Mar 9, 2018 · Amount on File
Deed Document Number	202332336
Prior Transfer Date	Oct 19, 2017
Prior Transfer Doc	0000732320
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	218 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565

Mortgage

Document Number	0000050699
Date	Nov 12, 2025
Instrument	2025R-050699

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 11, 2023
Property Address	218 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Document Number	0000032336
Map Reference	MB 37 PG 150
Instrument Date	Aug 11, 2023
Instrument	2023R-032336
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565

Mortgage

Document Number	0000032337
Date	Aug 11, 2023
Instrument	2023R-032337

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 14, 2017
Property Address	218 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Document Number	0067741840
Book / Page	006774 / 001840
Instrument Date	Jul 13, 2017
Instrument	433920
Transaction Type	Foreclosure
Record Updated	Jul 19, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637

Tax Assessment & Valuation

The 2025 property tax bill for 218 Split Rail Dr was $3,696, up 1% 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		$54,950 (-)	$289,210 (-) Building $289,210
2025	$3,696.00 (+9.97%)	$54,950	$289,210 Building $289,210
2024	$3,361.00
2023		$48,591
2022			$255,740 Land $40,000 Building $215,740

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 218 Split Rail Dr in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 218 Split Rail Dr is low, with less than 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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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