427 S Cedar St, Gerald, MO 63037 Property Records

Franklin County property record for 427 S Cedar St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,614 sqft · built 1920
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$857 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-1-011-097.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-1-011-097.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,614 sqft Living Area

Exterior

Year Built	Built 1920
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Shed	1 Shed

Location & Zoning

Street Address	427 S CEDAR ST
City	GERALD
State	MO
Zip	63037-2262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 2A O T OF GERALD BOUNDARY ADJUSTMENT PLATPT VAC ALLEY
Legal Range	04W
Legal Township	42
Legal Section	11
Legal Subdivision	O T OF GERALD
Legal Lot Number	2
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
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	290 DOGWOOD VALLEY LN, GERALD, MO 63037-1541
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK
Dec 8, 2021	Warranty Deed, Transfer
Apr 3, 2017	Warranty Deed, Transfer FRANKLIN COUNTY TITLE
Mar 20, 2017	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023
Deed Sale	Oct 27, 2023
Prior Sale	Dec 8, 2021
Deed Document Number	2312782
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	427 S CEDAR ST, GERALD, MO 63037-2262
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002312783
Date	Oct 27, 2023
Instrument	2312783

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 8, 2021
Property Address	427 S CEDAR ST, GERALD, MO 63037-2262
Document Number	0002122862
Map Reference	DOC 1917567
Instrument Date	Dec 7, 2021
Instrument	2122862
Transaction Type	Transfer
Record Updated	Jan 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BROADWAY AVE, LESLIE, MO 63056-2316

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 3, 2017
Property Address	427 S CEDAR ST, GERALD, MO 63037-2262
Document Number	0000004843
Instrument Date	Apr 3, 2017
Instrument	4843
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	FRANKLIN COUNTY TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 S CEDAR ST GERALD MO 630372262, GERALD, MO 63037-2262

March 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	FRANKLIN MO
Recording Date	Mar 20, 2017
Property Address	427 S CEDAR ST, GERALD, MO 63037-2262
Document Number	0000003983
Instrument Date	Mar 17, 2017
Instrument	3983
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 HAMILTON ST UNION MO 630841417, UNION, MO 63084-1417

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	$857.00 (+62%)	$13,346 (+45.87%)	$70,240 (+45.88%) Land $3,330 Building $66,910
2023	$529.00 (+8.85%)	$9,149	$48,150 Land $3,330 Building $44,820
2022	$486.00

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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