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226 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 226 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,958 sqft · built 2002
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on Record
Last Sale$292,500 (Jun 2019)
Tax Bill$3,804 (2025)
Deeds & MortgagesJul 2023 Line of Credit
Jun 2019 Mortgage
Flood ZoneZone X (minimal risk)
APNT010200214

Property Details

APN / Parcel Number

Primary APNT010200214
Alternative APN
  • 4-0010-8569-00-0099.0000000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area1,958 sqft Living Area
Gross Area2,628 sqft
1st Floor Area1,352 sqft
Basement Area638 sqft
Finished Basement606 sqft
Unfinished Basement32 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Lot Area10,019 sqft (0.23 acres)
Garage TypeAttached
Garage Area638 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area12 sqft
Deck AreaDeck Area
Patio Area236 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberT010200214
Street Address226 SPLIT RAIL DR
CityWENTZVILLE
StateMO
Zip63385-5565
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUMMER BROOK #6 LOT 99
Legal SubdivisionSUMMER BROOK #6
Legal Lot Number99
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group1
Census Block1003
Census Tract312094

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 Record2 Individual Names on Record
Mailing Address226 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2023Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC
Jun 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
FIGURE LENDING LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 20, 2019 · Amount on Record
Deed SaleJun 20, 2019 · Amount on Record
Prior SaleAug 5, 2003 · Amount on Record
Deed Document Number2019304010
Deed Book / Page7092 / 490
Record UpdatedOct 29, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address226 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Transaction TypeMortgage
Record UpdatedAug 3, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address22T SPLIT RAIL CT, WENTZVILLE, MO 63385-5572

Mortgage

Document Number0000028901
DateJul 20, 2023
Instrument2023R-028901
Lender
NameFIGURE LENDING LLC
TypeMortgage Company
AddressCHARLOTTE, NC 28202
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address226 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0070920456
DateJun 20, 2019
Book Page7092/0456
Instrument20190620000303960
Lender
NameFIGURE LENDING LLC
TypeMortgage Company
AddressSAN FRANCISCO, CA 94108
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term179 Months
DueMay 24, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityWentzville City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$56,566 (-)$297,717 (-) Building $297,717
2025$3,804.00$56,566 (+11.54%)$297,717 (+11.54%)
2023$50,713
2022$266,909 Land $40,000 Building $226,909

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2014)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 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 RiskLow
lower than 96% of the US · lower than 94% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWENTZVILLE PWS
serves 41,784 people · EPA ID MO6010849
Water SourceGroundwater
Last State InspectionJul 2024
Lead5 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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