245 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 245 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2003
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$62,500 (Sep 2025)
Tax Bill	$3,671 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T010200231`

Property Details

APN / Parcel Number

Primary APN	`T010200231`
Alternative APN	`4-0010-8570-00-0073.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	3,312 sqft
1st Floor Area	1,456 sqft
Basement Area	1,436 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
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	Slab
Porch Area	48 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010200231
Street Address	245 SPLIT RAIL DR
City	WENTZVILLE
State	MO
Zip	63385-5567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #7 LOT 73
Legal Subdivision	SUMMER BROOK #7
Legal Lot Number	73
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1003
Census Tract	312094

Owner

245 Split Rail Dr is owned and occupied by two individuals who bought it in September 2025.

Source: St. Charles County records, as of September 14, 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	2 Individual Names on File
Mailing Address	245 SPLIT RAIL DR, WENTZVILLE, MO 63385-5567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Prior Sale	Apr 10, 2006 · Amount on File
Deed Document Number	202541158
Prior Transfer Date	Feb 10, 2006
Prior Transfer Doc	0044561464
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 18, 2025
Property Address	245 SPLIT RAIL DR, WENTZVILLE, MO 63385-5567
Document Number	0000041158
Map Reference	MB 37 PG 151
Instrument Date	Sep 8, 2025
Instrument	2025R-041158
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	245 SPLIT RAIL DR, WENTZVILLE, MO 63385-5567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 SPLIT RAIL DR, WENTZVILLE, MO 63385-5567

Mortgage

Document Number	0000041159
Date	Sep 18, 2025
Instrument	2025R-041159

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 245 Split Rail Dr was $3,671, up 10.7% 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		$54,578 (-)	$287,255 (-) Land $50,000 Building $237,255
2025	$3,671.00 (+10.67%)	$54,578	$287,255 Land $50,000 Building $237,255
2024	$3,317.00
2023		$47,961
2022			$252,424 Land $40,000 Building $212,424

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 245 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 245 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 97% of the US · lower than 95% 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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