128 S Main St, Gerald, MO 63037 Property Records

Franklin County property record for 128 S Main St, Gerald, MO 63037

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$199 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-1-001-024.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-1-001-024.000`

Exterior

Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	128 S MAIN ST
City	GERALD
State	MO
Zip	63037
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT: 5 & 6 O T OF GERALD
Legal Range	04W
Legal Township	42
Legal Section	11
Legal Quarter	NE
Legal Subdivision	O T OF GERALD
Legal Block	8
Legal Lot Number	5,6 4
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 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
Mailing Address	2133 NICKS RD, OWENSVILLE, MO 65066-2827
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Sep 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK
Feb 5, 2021	Warranty Deed, Transfer
Aug 16, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2021
Deed Sale	Feb 5, 2021
Deed Document Number	2102356
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	128 S MAIN ST, GERALD, MO 63037
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002117922
Date	Sep 22, 2021
Instrument	2117922

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Oct 1, 2023

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	128 S MAIN ST, GERALD, MO 63037
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002205089
Date	Mar 30, 2022
Instrument	2205089

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	128 S MAIN ST, GERALD, MO 63037
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002215105
Date	Sep 29, 2022
Instrument	2215105

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 27, 2023

Interest

Rate Type	Fixed Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 5, 2021
Property Address	128 S MAIN ST, GERALD, MO 63037
Document Number	0002102356
Map Reference	PB B PG 67&77
Instrument Date	Feb 1, 2021
Instrument	2102356
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 COUNTY LINE RD, GERALD, MO 63037-1417
Investor	Possibly a Property Investor

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 16, 2019
Property Address	128 S MAIN ST, GERALD, MO 63037-2148
Document Number	0000010573
Instrument Date	Aug 15, 2019
Instrument	10573
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	411 BASSWOOD DR LESLIE MO 630561312, LESLIE, MO 63056-1312

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	$199.00 (-3.86%)	$3,101 (-13.65%)	$16,320 (-13.65%) Land $16,320
2023	$207.00 (-0.96%)	$3,591	$18,900 Land $18,900
2022	$209.00

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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