1118 S Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 1118 S Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,980 sqft · built 1961
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Owner Names on Record
Tax Bill	$1,928 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-12.0-3-099-066.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-12.0-3-099-066.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area

Exterior

Year Built	Built 1961
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Patio Area	211 sqft
Shed	1 Shed

Location & Zoning

Street Address	1118 S BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW SW E OF HWY H
Legal Range	04W
Legal Township	42
Legal Section	12
Legal Quarter	SW
Legal Subdivision	TRACTS
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1042
Census Tract	800502

Owner

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

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 Owner Names on Record
Mailing Address	1118 S BERNHARDT AVE, GERALD, MO 63037-2320
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUD
Oct 16, 2020	Loan Modification, Mortgage PENNYMAC
Feb 6, 2017	Deed of Trust, Mortgage · FHA Mortgage CORNERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 13, 2014
Transfer Doc	0000005859
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1118 S BERNHARDT AVE, GERALD, MO 63037-2320
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002206485
Date	Apr 22, 2022
Instrument	2206485

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN MO
Property Address	1118 S BERNHARDT AVE, GERALD, MO 63037-2320
Document Number	0000021759
Instrument Date	Oct 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 S BERNHARDT AVE GERALD MO 630372320, GERALD, MO 63037-2320

Mortgage

Document Number	0000021759
Date	Dec 14, 2020
Instrument	21759

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2050

Interest

Rate	3.12%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1118 S BERNHARDT AVE, GERALD, MO 63037-2320
Document Number	0000002069
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1118 S BERNHARDT AVE GERALD MO 630372320, GERALD, MO 63037-2320

Mortgage

Document Number	0000002069
Date	Feb 10, 2017
Instrument	2069

Lender

Name	CORNERSTONE MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

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	$1,928.00 (+19.31%)	$30,005 (+7.51%)	$157,920 (+7.52%) Land $16,640 Building $141,280
2023	$1,616.00 (-4.77%)	$27,908	$146,880 Land $16,640 Building $130,240
2022	$1,697.00

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 65% of the US · lower than 75% 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 115 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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