305 Split Rail Dr, Wentzville, MO 63385 Property Records

St. Charles County property record for 305 Split Rail Dr, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,852 sqft · built 2007
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,883 (Oct 2025)
Tax Bill	$3,843 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T060200230`

Property Details

APN / Parcel Number

Primary APN	`T060200230`
Alternative APN	`2-0095-9944-00-0019.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,852 sqft Living Area
Gross Area	3,316 sqft
1st Floor Area	1,050 sqft
Basement Area	802 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060200230
Street Address	305 SPLIT RAIL DR
City	WENTZVILLE
State	MO
Zip	63385-5573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #8 LOT 19
Legal Subdivision	SUMMER BROOK #8
Legal Lot Number	19
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 September 14, 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	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU
Oct 27, 2025	Intrafamily Transfer, Transfer · Line of Credit TOGETHER CU
Aug 27, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	202547841
Prior Transfer Date	Oct 25, 2025
Prior Transfer Doc	0000047841
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573

Mortgage

Document Number	0000081432
Date	Sep 30, 2021
Instrument	2021R-081432

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 27, 2025
Property Address	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573
Document Number	0000047841
Map Reference	MB 42 PG 323
Instrument Date	Oct 25, 2025
Instrument	2025R-047841
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573

Mortgage

Document Number	0000047842
Date	Oct 27, 2025
Instrument	2025R-047842

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 27, 2019
Property Address	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573
Document Number	0071310625
Book / Page	7131 / 0625
Map Reference	MB 42 PG 323
Instrument Date	Aug 26, 2019
Instrument	20190827000458000
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 SPLIT RAIL DR, WENTZVILLE, MO 63385-5573

Mortgage

Document Number	20190827000458010
Date	Aug 27, 2019
Instrument	20190827000458010

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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		$60,842 (-)	$320,223 (-) Land $50,000 Building $270,223
2025	$3,843.00	$60,842 (+14.59%)	$320,223 (+14.59%) Land $50,000 Building $270,223
2023		$53,097
2022			$279,457 Land $40,000 Building $239,457

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

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
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 99.1% of the US · lower than 98.2% 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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