228 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 228 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,958 sqft · built 2002
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2020)
Tax Bill	$3,733 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010200256`

Property Details

APN / Parcel Number

Primary APN	`T010200256`
Alternative APN	`4-0010-8570-00-0098.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,958 sqft Living Area
Gross Area	2,628 sqft
1st Floor Area	1,352 sqft
Basement Area	638 sqft
Finished Basement	606 sqft
Unfinished Basement	32 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010200256
Street Address	228 SPLIT RAIL DR
City	WENTZVILLE
State	MO
Zip	63385-5565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #7 LOT 98
Legal Subdivision	SUMMER BROOK #7
Legal Lot Number	98
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1003
Census Tract	312094

Owner

228 Split Rail Dr is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	228 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Sale	Sep 15, 2020 · Amount on File
Deed Document Number	202068038
Prior Transfer Date	Jan 25, 2016
Prior Transfer Doc	0064820637
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 15, 2020
Property Address	228 SPLIT RAIL DR, WENTZVILLE, MO 63385-5565
Document Number	0000068038
Instrument Date	Sep 8, 2020
Instrument	68038
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 SPLIT RAIL DR WENTZVILLE MO 633855565, WENTZVILLE, MO 63385-5565

Mortgage

Document Number	68039
Date	Sep 15, 2020
Instrument	68039

Lender

Name	FLAT BR MTG
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2050

Mortgage

Document Number	68040,
Date	Sep 15, 2020
Instrument	68040

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	920 MAIN ST # 1400, KANSAS CITY, MO 64105-2189

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 228 Split Rail Dr was $3,733, up 8.6% 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		$55,506 (-)	$292,137 (-) Building $292,137
2025	$3,733.00 (+8.58%)	$55,506	$292,137 Building $292,137
2024	$3,438.00
2023		$49,706
2022			$261,608 Land $40,000 Building $221,608

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 228 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 228 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.

Nearby Properties on Split Rail Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures