103 S Main St, Gerald, MO 63037 Property Records

Franklin County property record for 103 S Main St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,884 sqft · built 1929
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$1,636 (2025)
Deeds & Mortgages	Sep 2022 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-1-001-022.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-1-001-022.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,884 sqft Living Area

Exterior

Year Built	Built 1929
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Area	720 sqft

Location & Zoning

Street Address	103 S MAIN ST
City	GERALD
State	MO
Zip	63037-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:7&8 O T OF GERALD
Legal Range	04W
Legal Township	42
Legal Section	11
Legal Quarter	NE
Legal Subdivision	O T OF GERALD
Legal Block	1
Legal Lot Number	7,8 8
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1095
Census Tract	800404

Owner

Source: Franklin County records, as of November 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	103 S MAIN ST, GERALD, MO 63037-2110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK OF UNION
May 25, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK OF UNION
Aug 15, 2018	Warranty Deed, Transfer GUILD MTG
Aug 15, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2022
Deed Sale	May 25, 2022
Prior Sale	Oct 17, 2013
Deed Document Number	2208565
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	103 S MAIN ST, GERALD, MO 63037-2110
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002213963
Date	Sep 7, 2022
Instrument	2213963

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2037

Interest

Rate Type	Fixed Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 25, 2022
Property Address	103 S MAIN ST, GERALD, MO 63037-2110
Document Number	0002208565
Map Reference	PB B PG 77
Instrument Date	May 24, 2022
Instrument	2208565
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 S MAIN ST, GERALD, MO 63037-2110

Mortgage

Document Number	0002208566
Date	May 25, 2022
Instrument	2208566

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 15, 2018
Property Address	103 S MAIN ST, GERALD, MO 63037-2110
Document Number	0000011370
Instrument Date	Aug 14, 2018
Instrument	11370
Transaction Type	Transfer
Record Updated	Aug 24, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 S MAIN ST GERALD MO 630372110, GERALD, MO 63037-2110

Mortgage

Document Number	11371
Date	Aug 15, 2018
Instrument	11371

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 15, 2018
Property Address	103 S MAIN ST, GERALD, MO 63037-2110
Document Number	0000011369
Instrument Date	Aug 8, 2018
Instrument	11369
Transaction Type	Transfer
Record Updated	Aug 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 S MAIN ST GERALD MO 630372110, GERALD, MO 63037-2110

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	Gerald City
Unified School District	Gasconade County R-II School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,636.00 (+29.53%)	$25,457 (+16.68%)	$133,980 (+16.68%) Land $16,640 Building $117,340
2023	$1,263.00 (-5.68%)	$21,818	$114,830 Land $16,640 Building $98,190
2022	$1,339.00

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 June 4, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GERALD PWS serves 1,383 people · EPA ID MO6010303
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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	None 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: FireServe, Wisper ISP.

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