6 N Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 6 N Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,101 sqft · built 1920
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,340 (Aug 2022)
Tax Bill	$1,317 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-01.0-3-099-035.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-01.0-3-099-035.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,101 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Garage Area	832 sqft

Location & Zoning

Street Address	6 N BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-1614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW SW E OF HWY Y&N OF BECK RD
Legal Range	4W
Legal Township	42N
Legal Section	01
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1102
Census Tract	800404

Owner

Source: Franklin County records, as of May 12, 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	6 N BERNHARDT AVE, GERALD, MO 63037-1614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CREDIT UNION
Aug 8, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 29, 2020	Affidavit of Death, Transfer NOT AVAILABLE
Apr 29, 2020	Quit Claim Deed, Transfer FIRST ST CMNTY BK
May 12, 2017	Deed of Trust, Mortgage · Line of Credit FIRST ST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2022 · Amount on Record
Deed Sale	Aug 8, 2022 · Amount on Record
Prior Sale	Apr 29, 2020 · Amount on Record
Deed Document Number	202212527
Prior Transfer Date	Apr 23, 2020
Prior Transfer Doc	0000006064
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Recording Date	Apr 30, 2026
Property Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614
Document Number	0002605594
Instrument Date	Apr 22, 2026
Instrument	20262605594
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614

Mortgage

Document Number	0002605594,
Date	Apr 30, 2026
Instrument	20262605594

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 8, 2022
Property Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614
Document Number	0002212527
Instrument Date	Aug 5, 2022
Instrument	2212527
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614

Mortgage

Document Number	0002212528
Date	Aug 8, 2022
Instrument	2212528

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

April 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	FRANKLIN MO
Recording Date	Apr 29, 2020
Property Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614
Document Number	0000006063
Instrument Date	Apr 28, 2020
Instrument	6063
Transaction Type	Transfer
Record Updated	May 18, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 N BERNHARDT AVE GERALD MO 630371614, GERALD, MO 63037-1614

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 29, 2020
Property Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614
Document Number	0000006064
Instrument Date	Apr 23, 2020
Instrument	6064
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6 N BERNHARDT AVE GERALD MO 630371614, GERALD, MO 63037-1614

Mortgage

Document Number	6065
Date	Apr 29, 2020
Instrument	6065

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	FARMINGTON, MO 63640

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 28, 2035

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	6 N BERNHARDT AVE, GERALD, MO 63037-1614
Document Number	0000007249
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	May 26, 2017
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6 N BERNHARDT AVE GERALD MO 630371614, GERALD, MO 63037-1614

Mortgage

Document Number	0000007249
Date	May 16, 2017
Instrument	7249

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	OWENSVILLE, MO 65066

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$1,317.00 (+17.48%)	$20,493 (+5.79%)	$107,860 (+5.8%) Land $19,400 Building $88,460
2023	$1,121.00 (-4.51%)	$19,371	$101,950 Land $19,400 Building $82,550
2022	$1,174.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% 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 132 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.

Nearby Properties on N Bernhardt Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures