224 E Crestwood Ave, Gerald, MO 63037 Property Records

Franklin County property record for 224 E Crestwood Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,681 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,699 (2025)
Deeds & Mortgages	Sep 2023 Reverse Mortgage Sep 2023 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-12.0-3-099-059.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-12.0-3-099-059.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,681 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Lot Area	43,560 sqft (1 acres)
Patio Area	160 sqft

Location & Zoning

Street Address	224 E CRESTWOOD AVE
City	GERALD
State	MO
Zip	63037-2334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW SW S OF CRESTWOOD DR B&P 998-00210 04/22/1997 905-00413 12/13/1995
Legal Range	4W
Legal Township	42N
Legal Section	12
Legal Subdivision	SOUTHERN HEIGHTS SUBDIVISION NO 2
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1042
Census Tract	800502

Owner

Source: Franklin County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	224 E CRESTWOOD AVE, GERALD, MO 63037-2334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Reverse Mortgage HUD
Sep 11, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2012
Deed Sale	Dec 20, 2012
Prior Sale	Jul 16, 2012
Deed Document Number	201222601
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	224 E CRESTWOOD AVE, GERALD, MO 63037-2334
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002310723
Date	Sep 11, 2023
Instrument	2310723

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Due	Jul 8, 2009

Interest

Rate Type	Adjustable Rate
Rate	6.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2020
Change Frequency	Annually
Index	1-Year CMT

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	224 E CRESTWOOD AVE, GERALD, MO 63037-2334
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002310722
Date	Sep 11, 2023
Instrument	2310722

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Due	Jul 8, 2009

Interest

Rate Type	Adjustable Rate
Rate	6.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2020
Change Frequency	Annually
Index	1-Year CMT

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	224 E CRESTWOOD AVE, GERALD, MO 63037-2334
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	NATIONWIDE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002120012
Date	Oct 22, 2021
Instrument	2120012

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 30, 2046

Interest

Rate Type	Fixed Rate

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	$2,699.00 (+28.65%)	$41,998 (+15.88%)	$221,040 (+15.87%) Land $7,600 Building $213,440
2023	$2,098.00 (-10.3%)	$36,244	$190,760 Land $7,600 Building $183,160
2022	$2,339.00

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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