626 S Cedar St, Gerald, MO 63037 Property Records

Franklin County property record for 626 S Cedar St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,525 sqft · built 2021
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$2,713 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-4-002-020.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-4-002-020.000`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,525 sqft Living Area

Exterior

Year Built	Built 2021
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	626 S CEDAR ST
City	GERALD
State	MO
Zip	63037-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1&2 SOUTHERN HEIGHTS
Legal Range	04W
Legal Township	42
Legal Section	11
Legal Quarter	SE
Legal Subdivision	SOUTHERN HEIGHTS
Legal Block	2
Legal Lot Number	1,2 2
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1034
Census Tract	800502

Owner

626 S Cedar St is owned and occupied by an individual who acquired it in September 2022.

Source: Franklin County records, as of November 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	626 S CEDAR ST, GERALD, MO 63037-2242
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 21, 2020	Warranty Deed, Transfer FRANKLIN COUNTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022
Deed Sale	Sep 2, 2022
Prior Sale	Oct 5, 2020
Deed Document Number	2213811
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 2, 2022
Property Address	626 S CEDAR ST, GERALD, MO 63037-2242
Document Number	0002213811
Map Reference	PB F PG 36
Instrument Date	Aug 31, 2022
Instrument	2213811
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
Relationship	Tenants in Common
Address	626 S CEDAR ST, GERALD, MO 63037-2242

Mortgage

Document Number	0002213812
Date	Sep 2, 2022
Instrument	2213812

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 21, 2020
Property Address	626 S CEDAR ST, GERALD, MO 63037-2242
Document Number	0000002518
Instrument Date	Jan 21, 2020
Instrument	2518
Transaction Type	Transfer
Record Updated	Mar 2, 2020
Title Company	FRANKLIN COUNTY TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3752 BLOCKS BRANCH RD ROSEBUD MO 63091, ROSEBUD, MO 63091

Tax Assessment & Valuation

The 2025 property tax bill for 626 S Cedar St was $2,713.

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	$2,713.00	$42,215	$222,180 Land $16,640 Building $205,540
2023	$2,110.00 (+4.35%)	$36,446	$191,820 Land $16,640 Building $175,180
2022	$2,022.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 626 S Cedar St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 626 S Cedar St is low, with a 0.02% annual chance of 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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