221 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 221 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,952 sqft · built 2004
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,500 (Nov 2019)
Tax Bill	$4,157 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010200189`

Property Details

APN / Parcel Number

Primary APN	`T010200189`
Alternative APN	`4-0010-8569-00-0041.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,952 sqft Living Area
Gross Area	3,360 sqft
1st Floor Area	1,952 sqft
Basement Area	988 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010200189
Street Address	221 SPLIT RAIL DR
City	WENTZVILLE
State	MO
Zip	63385-5566
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #6 LOT 41
Legal Subdivision	SUMMER BROOK #6
Legal Lot Number	41
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	221 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Nov 25, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Jul 29, 2013 · Amount on Record
Deed Document Number	2019675970
Deed Book / Page	7188 / 549
Prior Transfer Date	Nov 8, 2019
Prior Transfer Doc	0071880549
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	221 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566

Mortgage

Document Number	0000019916
Date	May 25, 2023
Instrument	2023R-019916

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 25, 2019
Property Address	221 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566
Document Number	0071880549
Book / Page	7188 / 0549
Map Reference	MB 37 PG 150
Instrument Date	Nov 8, 2019
Instrument	20191125000675970
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SPLIT RAIL DR, WENTZVILLE, MO 63385-5566

Mortgage

Document Number	20191125000675980
Date	Nov 25, 2019
Instrument	20191125000675980

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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		$62,468 (+1.07%)	$328,779 (+1.07%) Land $50,000 Building $278,779
2025	$4,157.00 (+11.51%)	$61,804 (+14.66%)	$325,287 (+14.66%) Land $50,000 Building $275,287
2024	$3,728.00
2023		$53,903
2022			$283,698 Land $40,000 Building $243,698

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 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

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	0.02% annual chance
Exposure	Direct burnable vegetation

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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