Franklin County property record for 3523 Horstman Rd, Berger, MO 63014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,364 sqft · built 1949 |
| Lot Size | 33.4 acres (1,454,904 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,303 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 03-8-34.0-0-000-013.000 |
| Primary APN | 03-8-34.0-0-000-013.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,364 sqft Living Area |
| 1st Floor Area | 2,400 sqft |
| Year Built | Built 1949 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 1,454,904 sqft (33.4 acres) |
| Garage Area | 600 sqft |
| Street Address | 3523 HORSTMAN RD |
|---|---|
| City | BERGER |
| State | MO |
| Zip | 63014-1532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ANU |
| Legal Description | PT W1/2 SW&PT SW NW SPLIT BY HORSTMAN RD |
| Legal Range | 04W |
| Legal Township | 45 |
| Legal Section | 34 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOEUF |
| Census Block Group | 5 |
| Census Block | 5022 |
| Census Tract | 800401 |
3523 Horstman Rd is owned and occupied by two individuals who acquired it in January 2014.
Source: Franklin County records, as of January 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3525 HORSTMAN RD, BERGER, MO 63014-1532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2014 |
| Deed Sale | Jan 28, 2014 |
| Deed Document Number | 1401186 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 3523 HORSTMAN RD, BERGER, MO 63014-1532 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002401985 |
|---|---|
| Date | Feb 23, 2024 |
| Instrument | 2401985 |
| Name | PEOPLES SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3523 Horstman Rd was $1,303.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Gasconade County R-I School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,303.00 | $21,218 | $118,650 Land $29,310 Building $89,340 |
| 2023 | $1,213.00 (+9.08%) | $19,494 | $109,600 Land $28,310 Building $81,290 |
| 2022 | $1,112.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3523 Horstman Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3523 Horstman Rd 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| Sparklight DSL | 10 / 1 |
May also be available: FireServe.
5G and 4G LTE (outdoors only)
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