28851 N Oak Dr, Wright City, MO 63390 Property Records

Warren County property record for 28851 N Oak Dr, Wright City, MO 63390

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,254 sqft · built 2002
Lot Size	3.02 acres (131,551 sqft)
Owner	2 Individual Names on File
Last Sale	$166,250 (May 2023)
Tax Bill	$2,638 (2025)
Deeds & Mortgages	Jan 2018 Mortgage May 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-23.0-0-01-012.000.000`

Property Details

APN / Parcel Number

Primary APN	`05-23.0-0-01-012.000.000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,254 sqft Living Area
Basement Area	1,914 sqft
Finished Basement	384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,551 sqft (3.02 acres)
Garage Type	Attached
Garage Area	990 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	456 sqft
Patio Area	180 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	28851 N OAK DR
City	WRIGHT CITY
State	MO
Zip	63390-3098
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 NORTH OAK ESTATES
Legal Range	02W
Legal Township	47N
Legal Section	23
Legal Subdivision	NORTH OAK ESTATES
Legal Lot Number	15
Jurisdiction	WARREN MO
Township / Civil Division	NORTH ELKHORN
Census Block Group	2
Census Block	2029
Census Tract	820105

Owner

28851 N Oak Dr is owned and occupied by two individuals who bought it in May 2023.

Source: Warren County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28851 N OAK DR, WRIGHT CITY, MO 63390-3098
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

Date	Document
Jan 24, 2018	Deed of Trust, Mortgage QUICKEN LOAN INC
May 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Apr 7, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
May 3, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Prior Sale	Mar 15, 2016 · Amount on File
Deed Document Number	20232313
Prior Transfer Date	Apr 3, 2023
Prior Transfer Doc	0202302313
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN MO
Property Address	28851 N OAK DR, WRIGHT CITY, MO 63390-3098
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201800444
Date	Jan 24, 2018
Instrument	201800444

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2038

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN MO
Property Address	28851 N OAK DR, WRIGHT CITY, MO 63390-3098
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202003236
Date	May 26, 2020
Instrument	202003236

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2040

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN MO
Property Address	28851 N OAK DR, WRIGHT CITY, MO 63390-3098
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202389
Date	Apr 7, 2022
Instrument	202202389

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN MO
Recording Date	May 3, 2023
Property Address	28851 N OAK DR, WRIGHT CITY, MO 63390-3098
Document Number	0202302313
Instrument Date	Apr 3, 2023
Instrument	202302313
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	CLEAR TITLE GROUP, LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28851 N OAK DR, WRIGHT CITY, MO 63390-3098

Mortgage

Document Number	0202302314
Date	May 3, 2023
Instrument	202302314

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 28851 N Oak Dr was $2,638.

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Warren County
Unified School District	Warren County R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,638.00	$44,111 (+13%) Land $2,550 Building $41,561	$232,160 Land $13,420 Building $218,740
2024	$2,638.00 (+15.45%)	$39,037 (-) Land $2,257 Building $36,780
2023	$2,285.00 (+8.19%)	$39,037 (+8%) Land $2,257 Building $36,780	$205,459 Land $11,880 Building $193,579
2022	$2,112.00	$36,146 Land $2,090 Building $34,056
2021			$190,240 Land $11,000 Building $179,240

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 28851 N Oak Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 4, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 28851 N Oak Dr is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 47% of Missouri
Wildfire Likelihood	0.06% 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	ST CHARLES COUNTY PWSD 2 NORTH OAK DR serves 660 people · EPA ID MO6021633
Water Source	Groundwater
Last State Inspection	Apr 2025
Also Mapped Here	ST CHARLES COUNTY PWSD 2 WARREN
Lead	1 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	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Gateway Fiber.

Nearby Properties on N Oak Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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