4285 Shotwell Rd, Gerald, MO 63037 Property Records

Franklin County property record for 4285 Shotwell Rd, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,733 sqft · built 1982
Lot Size	99 acres (4,312,440 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,296 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-12.0-0-000-001.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-12.0-0-000-001.000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,733 sqft Living Area
1st Floor Area	4,714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	4,312,440 sqft (99 acres)
Patio Area	603 sqft
Lean-To	1,500 sqft
Utility Building	714 sqft

Location & Zoning

Street Address	4285 SHOTWELL RD
City	GERALD
State	MO
Zip	63037-2507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CD
Legal Description	N 1/2 NE,PT E 1/2 NW,PT SW NE
Legal Range	04W
Legal Township	42
Legal Section	12
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1000
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	2 Individual Names on Record
Mailing Address	4285 SHOTWELL RD, GERALD, MO 63037-2507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE COMMUNITY BANK
Dec 10, 2020	Deed of Trust, Mortgage UNION HM MTG CORP
Aug 17, 2020	Deed of Trust, Construction Loan · Line of Credit HERITAGE CMNTY BK
Apr 2, 2020	Loan Modification, Mortgage · Line of Credit HERITAGE CMNTY BK
Sep 12, 2019	Deed of Trust, Mortgage · Construction Mortgage HERITAGE CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019
Deed Sale	Sep 17, 2019
Prior Sale	Sep 23, 2011
Deed Document Number	1912338
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	4285 SHOTWELL RD, GERALD, MO 63037-2507
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002109205
Date	May 14, 2021
Instrument	2109205

Lender

Name	HERITAGE COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 5, 2026

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	4285 SHOTWELL RD, GERALD, MO 63037-2507
Document Number	0000021921
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4285 SHOTWELL RD GERALD MO 630372507, GERALD, MO 63037-2507

Mortgage

Document Number	0000021921
Date	Dec 15, 2020
Instrument	21921

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

August 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Recording Date	Aug 17, 2020
Property Address	4285 SHOTWELL RD, GERALD, MO 63037-2507
Document Number	0000013281
Instrument Date	Aug 10, 2020
Instrument	13281
Transaction Type	Construction Loan
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 SHOTWELL RD UNION MO 63084, UNION, MO 63084

Mortgage

Document Number	0000013281
Date	Aug 17, 2020
Instrument	13281

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 16, 2021

Interest

Rate Type	Adjustable Rate

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN MO
Property Address	4285 SHOTWELL RD, GERALD, MO 63037-2507
Document Number	0000004750
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2056 BACHELOR CREEK RD UNION MO 630843403, UNION, MO 63084-3403

Mortgage

Document Number	0000004750
Date	Apr 6, 2020
Instrument	4750

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 5, 2021

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	4285 SHOTWELL RD, GERALD, MO 63037-2507
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4285 SHOTWELL RD GERALD MO 630372507, GERALD, MO 63037-2507

Mortgage

Document Number	12339
Date	Sep 17, 2019
Instrument	12339

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 16, 2020

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	Gasconade County R-II School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,296.00 (+23.96%)	$60,174 (+11.08%)	$327,880 (+10.55%) Land $36,160 Building $291,720
2023	$2,659.00 (+10.15%)	$54,171	$296,580 Land $33,160 Building $263,420
2022	$2,414.00

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	Moderate above 43% of the US · above 47% of Missouri
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless	25 / 3
Sparklight DSL	10 / 1

May also be available: FireServe.

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