603 S Cedar St, Gerald, MO 63037 Property Records

Franklin County property record for 603 S Cedar St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,086 sqft · built 1920
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-1-099-157.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-1-099-157.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,086 sqft Living Area

Exterior

Year Built	Built 1920
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Lot Area	17,424 sqft (0.4 acres)
Garage Area	192 sqft

Location & Zoning

Street Address	603 S CEDAR ST
City	GERALD
State	MO
Zip	63037-2243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE NE,S OF SIXTH ST
Legal Range	04W
Legal Township	42
Legal Section	11
Legal Quarter	NE
Legal Subdivision	TRACTS
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1029
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	Individual Name on Record
Mailing Address	603 S CEDAR ST, GERALD, MO 63037-2243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK
Apr 25, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF SULLIVAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022
Deed Sale	Apr 27, 2022
Prior Sale	Dec 8, 2008
Deed Document Number	2206746
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 27, 2022
Property Address	603 S CEDAR ST, GERALD, MO 63037-2243
Document Number	0002206746
Instrument Date	Apr 27, 2022
Instrument	2206746
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 S CEDAR ST, GERALD, MO 63037-2243

Mortgage

Document Number	0002206747
Date	Apr 27, 2022
Instrument	2206747

Lender

Name	CITIZENS BANK

Agreement

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

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	603 S CEDAR ST, GERALD, MO 63037-2243
Document Number	0000006595
Instrument Date	Apr 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9853 HIGHWAY 185 SULLIVAN MO 630803706, SULLIVAN, MO 63080-3706

Mortgage

Document Number	0000006595
Date	May 4, 2017
Instrument	6595

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 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	$1,169.00 (+17.61%)	$18,198 (+5.99%)	$95,780 (+6%) Land $18,320 Building $77,460
2023	$994.00 (+2.58%)	$17,169	$90,360 Land $18,320 Building $72,040
2022	$969.00

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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 228 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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