426 S Cedar St, Gerald, MO 63037 Property Records

Franklin County property record for 426 S Cedar St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 1910
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$1,015 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-1-001-103.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-1-001-103.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,528 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Area	352 sqft
Patio Area	288 sqft

Location & Zoning

Street Address	426 S CEDAR ST
City	GERALD
State	MO
Zip	63037-2279
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: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	1
Legal Lot Number	6
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1021
Census Tract	800502

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
Co-owner	Co-owner on Record
Mailing Address	PO BOX 228, GERALD, MO 63037-0228
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE COMMUNITY BANK
Sep 20, 2023	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK
Feb 25, 2022	Warranty Deed, Transfer · Commercial Mortgage CITIZENS BANK
Feb 1, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2024
Deed Sale	Jan 29, 2024
Prior Sale	Feb 25, 2022
Deed Document Number	2401058
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	426 S CEDAR ST, GERALD, MO 63037
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002401059
Date	Jan 29, 2024
Instrument	2401059

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	426 S CEDAR ST, GERALD, MO 63037
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002311126
Date	Sep 20, 2023
Instrument	2311126

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 25, 2022
Property Address	426 S CEDAR ST, GERALD, MO 63037
Document Number	0002202943
Map Reference	PB B PG77
Instrument Date	Feb 23, 2022
Instrument	2202943
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 DOGWOOD VALLEY LN, GERALD, MO 63037-1541

Mortgage

Document Number	0002202944
Date	Feb 25, 2022
Instrument	2202944

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Nov 23, 2022

Interest

Rate Type	Fixed Rate

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 1, 2017
Property Address	426 S CEDAR ST, GERALD, MO 63037
Document Number	0000001475
Instrument Date	Jan 30, 2017
Instrument	1475
Transaction Type	Foreclosure
Record Updated	Feb 9, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3476 STATEVIEW BOULEVARD MAC #X7801 FORT MILL SC 29715, X7801, FORT MILL, SC 29715
Investor	Possibly a Property Investor

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	$1,015.00 (+22.29%)	$15,798 (+10.14%)	$83,150 (+10.15%) Land $8,160 Building $74,990
2023	$830.00 (-5.14%)	$14,343	$75,490 Land $8,160 Building $67,330
2022	$875.00

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 228 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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