627 S Cedar St, Gerald, MO 63037 Property Records

Franklin County property record for 627 S Cedar St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1951
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$1,193 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-4-002-021.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-4-002-021.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1951
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Patio Area	174 sqft

Location & Zoning

Street Address	627 S CEDAR ST
City	GERALD
State	MO
Zip	63037-2243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1&2&8' ALY 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	1029
Census Tract	800502

Owner

627 S Cedar St is owned and occupied by an individual who acquired it in October 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	627 S CEDAR ST, GERALD, MO 63037-2243
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
Oct 26, 2022	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Jun 5, 2020	Deed of Trust, Mortgage SALVATORE & MYRA SPOTO
May 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022
Deed Sale	Oct 26, 2022
Prior Sale	May 3, 2006
Deed Document Number	2216450
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 26, 2022
Property Address	627 S CEDAR ST, GERALD, MO 63037-2243
Document Number	0002216450
Map Reference	PB F PG 36
Instrument Date	Oct 25, 2022
Instrument	2216450
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 S CEDAR ST, GERALD, MO 63037-2243
Investor	Possibly a Property Investor

Mortgage

Document Number	0002216451
Date	Oct 26, 2022
Instrument	2216451

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	627 S CEDAR ST, GERALD, MO 63037-2243
Document Number	0000008869
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 S CEDAR ST GERALD MO 630372243, GERALD, MO 63037-2243

Mortgage

Document Number	0000008869
Date	Jun 11, 2020
Instrument	8869

Lender

Name	SALVATORE & MYRA SPOTO
Address	2248 RIDGLEY WOODS DR, CHESTERFIELD, MO 63005-6808

Agreement

Amount	Amount on Record

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 16, 2018
Property Address	627 S CEDAR ST, GERALD, MO 63037-2243
Document Number	0000006685
Instrument Date	May 16, 2018
Instrument	6685
Transaction Type	Transfer
Record Updated	Jun 15, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 S CEDAR ST GERALD MO 630372243, GERALD, MO 63037-2243

Tax Assessment & Valuation

The 2025 property tax bill for 627 S Cedar St was $1,193.

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	$1,193.00	$18,563	$97,700 Land $16,960 Building $80,740
2023	$1,013.00 (+7.08%)	$17,506	$92,140 Land $16,960 Building $75,180
2022	$946.00

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

Flood

FEMA maps place 627 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 627 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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