Franklin County property record for 524 S Bernhardt Ave, Gerald, MO 63037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,365 sqft · built 1953 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $1,300 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-1-12.0-2-099-050.000 |
| Primary APN | 25-1-12.0-2-099-050.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,365 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 135 ft deep x 100 ft wide |
| Patio Area | 138 sqft |
| Street Address | 524 S BERNHARDT AVE |
|---|---|
| City | GERALD |
| State | MO |
| Zip | 63037-2355 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SW NW 100X135 E OF HWY H |
| Legal Range | 04W |
| Legal Township | 42 |
| Legal Section | 12 |
| Legal Quarter | NW |
| Legal Subdivision | TRACTS |
| Legal Block | 99 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 800502 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 524 S BERNHARDT AVE, GERALD, MO 63037-2355 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| May 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK OF UNION |
| Jul 19, 2017 | Deed of Trust, Mortgage UNITED BK/UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2004 |
| Deed Sale | Oct 8, 2004 |
| Deed Document Number | 2004/25874 |
| Last Transfer Date | Oct 11, 2004 |
| Transfer Doc | 0000025875 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 524 S BERNHARDT AVE, GERALD, MO 63037-2355 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002109676 |
|---|---|
| Date | May 21, 2021 |
| Instrument | 2109676 |
| Name | UNITED BANK OF UNION |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 524 S BERNHARDT AVE, GERALD, MO 63037-2355 |
| Document Number | 0000011116 |
| Instrument Date | Jul 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 524 S BERNHARDT AVE GERALD MO 630372355, GERALD, MO 63037-2355 |
| Document Number | 0000011116 |
|---|---|
| Date | Jul 24, 2017 |
| Instrument | 11116 |
| Name | UNITED BK/UNION |
|---|---|
| Type | Bank |
| Address | UNION, MO 63084 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 23, 2032 |
Source: Franklin County assessment roll, as of May 31, 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 | $1,300.00 (+17.65%) | $20,225 (+5.93%) | $106,450 (+5.93%) Land $16,160 Building $90,290 |
| 2023 | $1,105.00 | $19,093 | $100,490 Land $16,160 Building $84,330 |
| 2022 | $1,105.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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