119 S Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 119 S Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,975 sqft · built 1949
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$132,800 (Dec 2019)
Tax Bill	$1,672 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-1-001-027.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-1-001-027.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,975 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Shed	1 Shed

Location & Zoning

Street Address	119 S BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:13&14, E 35' OF LOT12 O T OF GERALD
Legal Range	4W
Legal Township	42N
Legal Section	11
Legal Subdivision	O T OF GERALD
Legal Lot Number	13,14
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1105
Census Tract	800404

Owner

Source: Franklin County records, as of November 11, 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
Mailing Address	119 S BERNHARDT AVE, GERALD, MO 63037-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 4, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Dec 26, 2019	Warranty Deed, Transfer · VA Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Deed Document Number	201917771
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	119 S BERNHARDT AVE, GERALD, MO 63037-1607
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002513157
Date	Oct 16, 2025
Instrument	2513157

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	119 S BERNHARDT AVE, GERALD, MO 63037-1607
Document Number	0000000403
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	119 S BERNHARDT AVE GERALD MO 630371607, GERALD, MO 63037-1607

Mortgage

Document Number	0000000403
Date	Jan 8, 2021
Instrument	403

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 26, 2019
Property Address	119 S BERNHARDT AVE, GERALD, MO 63037-1607
Document Number	0000017771
Instrument Date	Dec 23, 2019
Instrument	17771
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	NTC - KEY W

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 S BERNHARDT AVE GERALD MO 630371607, GERALD, MO 63037-1607

Mortgage

Document Number	17772
Date	Dec 26, 2019
Instrument	17772

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$1,672.00 (+23.39%)	$26,015 (+11.14%)	$136,920 (+11.14%) Land $14,110 Building $122,810
2023	$1,355.00 (-3.76%)	$23,408	$123,200 Land $14,110 Building $109,090
2022	$1,408.00

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

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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