Franklin County property record for 320 W Clay St, Gerald, MO 63037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,481 sqft · built 1965 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $183,000 (Mar 2021) |
| Tax Bill | $1,767 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-1-11.0-4-001-094.000 |
| Primary APN | 25-1-11.0-4-001-094.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,481 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Area | 720 sqft |
| Patio Area | 324 sqft |
| Street Address | 320 W CLAY ST |
|---|---|
| City | GERALD |
| State | MO |
| Zip | 63037-2211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:1,2,PT3&VAC ST SCRIVNERS ADDN |
| Legal Range | 04W |
| Legal Township | 42 |
| Legal Section | 11 |
| Legal Quarter | SE |
| Legal Subdivision | SCRIVNERS |
| Legal Block | 1 |
| Legal Lot Number | 1-3 2 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 800502 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 320 W CLAY ST, GERALD, MO 63037-2211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2021 · Amount on Record |
| Deed Sale | Mar 19, 2021 · Amount on Record |
| Deed Document Number | 2105280 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 320 W CLAY ST, GERALD, MO 63037-2211 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002105281 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 2105281 |
| Name | BANK OF FRANKLIN COUNTY |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | Gerald City |
| Unified School District | Gasconade County R-II School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,767.00 (+18.51%) | $27,501 (+6.79%) | $144,740 (+6.79%) Land $18,050 Building $126,690 |
| 2023 | $1,491.00 (-4.3%) | $25,753 | $135,540 Land $18,050 Building $117,490 |
| 2022 | $1,558.00 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 46 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 |
| FireServe Fixed Wireless · not low latency | 100 / 50 |
May also be available: Wisper ISP.
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