4405 Berger Rd, Berger, MO 63014 Property Records

Franklin County property record for 4405 Berger Rd, Berger, MO 63014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1963
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on File
Tax Bill	$1,402 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-1-02.0-3-099-011.000`

Property Details

APN / Parcel Number

Primary APN	`03-1-02.0-3-099-011.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area

Exterior

Year Built	Built 1963
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Patio Area	636 sqft

Location & Zoning

Street Address	4405 BERGER RD
City	BERGER
State	MO
Zip	63014-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AN
Legal Description	PT NE SW E OF BERGER RD
Legal Range	04W
Legal Township	45
Legal Section	02
Legal Quarter	SW
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOEUF
Census Block Group	1
Census Block	1005
Census Tract	800401

Owner

Source: Franklin County assessment roll, as of May 31, 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	4407 BERGER RD, BERGER, MO 63014-1008
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH MORTGAGE INC
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage MISSOURI HOUSING DEVELOPMENT
Nov 2, 2023	Warranty Deed, Transfer · Commercial Mortgage PEOPLES SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 2, 2023
Deed Sale	Nov 2, 2023
Deed Document Number	2313059
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	4405 BERGER RD, BERGER, MO 63014-1008
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002513614
Date	Oct 24, 2025
Instrument	2513614

Lender

Name	FLAT BRANCH MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	4405 BERGER RD, BERGER, MO 63014-1008
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002513615
Date	Oct 24, 2025
Instrument	2513615

Lender

Name	MISSOURI HOUSING DEVELOPMENT
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Nov 2, 2023
Property Address	4405 BERGER RD, BERGER, MO 63014-1008
Document Number	0002313059
Instrument Date	Oct 26, 2023
Instrument	2313059
Transaction Type	Transfer
Record Updated	Nov 29, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9760 HIGHWAY 100, NEW HAVEN, MO 63068-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4407 BERGER RD, BERGER, MO 63014-1008

Mortgage

Document Number	0002313060
Date	Nov 2, 2023
Instrument	2313060

Lender

Name	PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Berger City
County	Franklin County
Unified School District	Gasconade County R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,402.00 (+8.26%)	$20,114 (+9.42%)	$105,860 (+9.42%) Land $11,140 Building $94,720
2023	$1,295.00 (+5.54%)	$18,383	$96,750 Land $10,920 Building $85,830
2022	$1,227.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	15 (1993–2015)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.04% 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 24 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
AT&T Fixed Wireless	25 / 3
Sparklight DSL	25 / 3

May also be available: Brightspeed.

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