57 Split Rail Ct, Wentzville, MO 63385 Property Records

St. Charles County property record for 57 Split Rail Ct, Wentzville, MO 63385

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,934 sqft · built 2003
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$162,985 (Jul 2003)
Tax Bill	$4,274 (2025)
Deeds & Mortgages	Oct 2025 Mortgage May 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T010200235`

Property Details

APN / Parcel Number

Primary APN	`T010200235`
Alternative APN	`4-0010-8570-00-0077.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,934 sqft Living Area
Gross Area	3,308 sqft
1st Floor Area	977 sqft
Basement Area	891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010200235
Street Address	57 SPLIT RAIL CT
City	WENTZVILLE
State	MO
Zip	63385-5572
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOK #7 LOT 77
Legal Subdivision	SUMMER BROOK #7
Legal Lot Number	77
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1003
Census Tract	312094

Owner

57 Split Rail Ct is owned and occupied by two individuals who bought it in July 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	57 SPLIT RAIL CT, WENTZVILLE, MO 63385-5572
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
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 1, 2019	Deed of Trust, Mortgage · ARM FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2003 · Amount on File
Deed Sale	Jul 3, 2003 · Amount on File
Prior Sale	Apr 3, 2003
Deed Document Number	200395013
Deed Book / Page	3500 / 935
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	57 SPLIT RAIL CT, WENTZVILLE, MO 63385-5572
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 SPLIT RAIL CT, WENTZVILLE, MO 63385-5572

Mortgage

Document Number	0000046578
Date	Oct 20, 2025
Instrument	2025R-046578

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	57 SPLIT RAIL CT, WENTZVILLE, MO 63385-5572
Transaction Type	Mortgage
Record Updated	May 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 SPLIT RAIL CT, WENTZVILLE, MO 63385-5572

Mortgage

Document Number	0000027065
Date	May 11, 2022
Instrument	2022R-027065

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 10, 2037

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	57 SPLIT RAIL CT, WENTZVILLE, MO 63385-5572
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070530708
Date	Apr 1, 2019
Book Page	7053/0708
Instrument	20190401000142630

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2024
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

Tax Assessment & Valuation

The 2025 property tax bill for 57 Split Rail Ct was $4,274.

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		$63,540 (-)	$334,423 (-) Land $50,000 Building $284,423
2025	$4,274.00	$63,540	$334,423 Land $50,000 Building $284,423
2023		$55,527
2022			$292,248 Land $40,000 Building $252,248

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 57 Split Rail Ct 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 57 Split Rail Ct 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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