118 N Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 118 N Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,514 sqft · built 1983
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2018 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-01.0-3-001-009.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-01.0-3-001-009.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,514 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	118 N BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:19 FREDERICK GROVE
Legal Range	04W
Legal Township	42
Legal Section	01
Legal Quarter	SW
Legal Subdivision	FREDERICK GROVE
Legal Block	1
Legal Lot Number	19
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1079
Census Tract	800404

Owner

118 N Bernhardt Ave is owned and occupied by an individual who acquired it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	118 N BERNHARDT AVE, GERALD, MO 63037-1612
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
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Dec 28, 2018	Grant Deed, Transfer
Nov 20, 2018	Warranty Deed, Transfer CITIZENS BK
Nov 16, 2018	Deed of Trust, Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2018
Deed Sale	Nov 20, 2018
Deed Document Number	1815980
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	118 N BERNHARDT AVE, GERALD, MO 63037-1612
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002113008
Date	Jul 13, 2021
Instrument	2113008

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 28, 2018
Property Address	118 N BERNHARDT AVE, GERALD, MO 63037-1612
Document Number	0000017654
Instrument Date	Dec 24, 2018
Instrument	17654
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 CIRCLE DR NEW HAVEN MO 630681183, NEW HAVEN, MO 63068-1183

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Nov 20, 2018
Property Address	118 N BERNHARDT AVE, GERALD, MO 63037-1612
Document Number	0000015980
Instrument Date	Nov 16, 2018
Instrument	15980
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 N BERNHARDT AVE GERALD MO 630371612, GERALD, MO 63037-1612

Mortgage

Document Number	15981
Date	Nov 20, 2018
Instrument	15981

Lender

Name	CITIZENS BK
Type	Bank
Address	NEW HAVEN, MO 63068

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2048

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	118 N BERNHARDT AVE, GERALD, MO 63037-1612
Document Number	0000017723
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 GREENSTREET RD BEAUFORT MO 630131601, BEAUFORT, MO 63013-1601

Mortgage

Document Number	0000017723
Date	Dec 31, 2018
Instrument	17723

Lender

Name	CITIZENS BK
Type	Bank
Address	NEW HAVEN, MO 63068

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 118 N Bernhardt Ave was $1,574.

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	$1,574.00	$24,491	$128,900 Land $8,320 Building $120,580
2023	$1,284.00 (-5.59%)	$22,187	$116,770 Land $8,320 Building $108,450
2022	$1,360.00

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

Flood

FEMA maps place 118 N Bernhardt Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 118 N Bernhardt Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% 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	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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