126 N Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 126 N Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,034 sqft · built 1994
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Tax Bill	$1,370 (2025)
Deeds & Mortgages	Jul 2025 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-01.0-3-001-006.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-01.0-3-001-006.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,034 sqft Living Area

Exterior

Year Built	Built 1994
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Patio Area	100 sqft

Location & Zoning

Street Address	126 N BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:PT16 FREDERICK GROVE
Legal Range	04W
Legal Township	42
Legal Section	01
Legal Quarter	SW
Legal Subdivision	FREDERICK GROVE
Legal Block	1
Legal Lot Number	16
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1079
Census Tract	800404

Owner

126 N Bernhardt Ave is owned and occupied by an individual who acquired it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	126 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 11, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK OF UNION
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 28, 2018	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2025
Deed Sale	Jul 11, 2025
Prior Sale	Feb 7, 2014 · Amount on File
Deed Document Number	2508449
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jul 11, 2025
Property Address	126 N BERNHARDT AVE, GERALD, MO 63037-1612
Document Number	0002508449
Map Reference	PB F PG 59
Instrument Date	Jul 3, 2025
Instrument	2508449
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	UNKNOWN, WSH

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1249 HORTON RD, LESLIE, MO 63056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 N BERNHARDT AVE, GERALD, MO 63037-1612

Mortgage

Document Number	0002508450
Date	Jul 11, 2025
Instrument	2508450

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	126 N BERNHARDT AVE, GERALD, MO 63037-1612
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002109920
Date	May 26, 2021
Instrument	2109920

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 28, 2018
Property Address	126 N BERNHARDT AVE, GERALD, MO 63037-1612
Document Number	0000011996
Instrument Date	Aug 23, 2018
Instrument	11996
Transaction Type	Transfer
Record Updated	Sep 3, 2018

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	126 N BERNHARDT AVE GERALD MO 630371612, GERALD, MO 63037-1612

Mortgage

Document Number	11998
Date	Aug 28, 2018
Instrument	11998

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 126 N Bernhardt Ave was $1,370.

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	$1,370.00	$21,323	$112,230 Land $6,160 Building $106,070
2023	$1,057.00 (-6.87%)	$18,262	$96,120 Land $6,160 Building $89,960
2022	$1,135.00

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

Flood

FEMA maps place 126 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 126 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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