Franklin County property record for 512 S Bernhardt Ave, Gerald, MO 63037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,151 sqft · built 1952 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $84,300 (Jul 2007) |
| Tax Bill | $1,170 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-1-12.0-2-010-049.000 |
| Primary APN | 25-1-12.0-2-010-049.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,151 sqft Living Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 39,204 sqft (0.9 acres) |
| Patio Area | 60 sqft |
| Shed | 1 Shed |
| Street Address | 512 S BERNHARDT AVE |
|---|---|
| City | GERALD |
| State | MO |
| Zip | 63037-2355 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:1 BORROR ESTATES |
| Legal Range | 4W |
| Legal Township | 42N |
| Legal Section | 12 |
| Legal Subdivision | BORROR ESTATES |
| Legal Lot Number | 1 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 800502 |
Source: Franklin County records, as of September 9, 2026
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 | 512 S BERNHARDT AVE, GERALD, MO 63037-2355 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2007 · Amount on Record |
| Deed Sale | Jul 18, 2007 · Amount on Record |
| Deed Document Number | 200716474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Sep 1, 2026 |
| Property Address | 512 S BERNHARDT AVE, GERALD, MO 63037-2355 |
| Document Number | 0002611720 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 20262611720 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 512 S BERNHARDT AVE, GERALD, MO 63037-2355 |
| Document Number | 0002611720, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 20262611720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Oct 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Franklin County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | Gerald City |
| Unified School District | Gasconade County R-II School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,170.00 (+16.88%) | $18,208 (+5.32%) | $95,830 (+5.32%) Land $8,000 Building $87,830 |
| 2023 | $1,001.00 (+9.88%) | $17,288 | $90,990 Land $8,000 Building $82,990 |
| 2022 | $911.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 68 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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