348 S Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 348 S Bernhardt Ave, Gerald, MO 63037 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,230 sqft · built 1943
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on File
Tax Bill	$965 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-12.0-2-099-044.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-12.0-2-099-044.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,230 sqft Living Area

Exterior

Year Built	Built 1943
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Area	360 sqft

Location & Zoning

Street Address	348 S BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-2325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW NW E OF HWY H
Legal Range	04W
Legal Township	42
Legal Section	12
Legal Quarter	NW
Legal Subdivision	TRACTS
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1007
Census Tract	800502

Owner

Source: Franklin County records · APN 25-1-12.0-2-099-044.000

Assessment roll updated May 31, 2025 · Last verified November 2025

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

Owner of Record	Company Name on File
Mailing Address	210 US HIGHWAY 50 W, UNION, MO 63084-1932
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2020	Deed of Trust, Mortgage · Line of Credit HERITAGE CMNTY BK
Sep 18, 2019	Warranty Deed, Transfer MICHAEL C KLEMME
Sep 09, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 18, 2019
Deed Sale	Sep 18, 2019
Prior Sale	Dec 22, 2006
Deed Document Number	1912438
Record Updated	Jun 08, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	348 S BERNHARDT AVE, GERALD, MO 63037-2325
Document Number	0000003427
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	210 US HIGHWAY 50 W #A UNION MO 630841932, A, UNION, MO 63084-1932

Mortgage

Document Number	0000003427
Date	Mar 10, 2020
Instrument	3427

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Mar 09, 2023

Interest

Rate Type	Adjustable Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 18, 2019
Property Address	348 S BERNHARDT AVE, GERALD, MO 63037-2325
Document Number	0000012438
Instrument Date	Sep 17, 2019
Instrument	12438
Transaction Type	Transfer
Record Updated	Oct 01, 2019
Title Company	FRANKLIN COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	210 US HIGHWAY 50 W UNION MO 630841932, UNION, MO 63084-1932

Mortgage

Document Number	12439
Date	Sep 18, 2019
Instrument	12439

Lender

Name	MICHAEL C KLEMME
Address	19 SPENCER ST # 205, LEBANON, NH 03766-1398
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 09, 2019
Property Address	348 S BERNHARDT AVE, GERALD, MO 63037-2325
Document Number	0000011894
Instrument Date	Sep 06, 2019
Instrument	11894
Transaction Type	Foreclosure
Record Updated	Oct 02, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19 SPENCER ST LEBANON NH 037661380, LEBANON, NH 03766-1380

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified November 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$965.00 (+21.69%)	$15,012 (+9.5%)	$79,010 (+9.51%) Land $12,320 Building $66,690
2023	$793.00 (+4.76%)	$13,709	$72,150 Land $12,320 Building $59,830
2022	$757.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 15% of Missouri
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 228 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cable One	Fiber	1,000 / 1,000
Wave Internet Technologies	Fixed Wireless (unlicensed)	100 / 100

May also be available at this address: Whittrio, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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