636 S Cedar St, Gerald, MO 63037 Property Records

Franklin County property record for 636 S Cedar St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,298 sqft · built 1957
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,111 (Jan 2025)
Tax Bill	$1,533 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-4-002-019.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-4-002-019.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,298 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	636 S CEDAR ST
City	GERALD
State	MO
Zip	63037-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:3&4 SOUTHERN HEIGHTS
Legal Range	4W
Legal Township	42N
Legal Section	11
Legal Subdivision	SOUTHERN HEIGHTS
Legal Lot Number	3,4
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1034
Census Tract	800502

Owner

Source: Franklin County records, as of May 19, 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	636 S CEDAR ST, GERALD, MO 63037-2242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage JLB CORPORATION
Jan 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Aug 28, 2019	Warranty Deed, Transfer DAS ACQUISITION
Jan 22, 2018	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2025 · Amount on Record
Deed Sale	Jan 22, 2025 · Amount on Record
Prior Sale	Aug 28, 2019 · Amount on Record
Deed Document Number	20252500732
Prior Transfer Date	Jun 19, 2008
Prior Transfer Doc	0000013895
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Recording Date	May 6, 2026
Property Address	636 S CEDAR ST, GERALD, MO 63037-2242
Document Number	0002605900
Instrument Date	Apr 29, 2026
Instrument	20262605900
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 S CEDAR ST, GERALD, MO 63037-2242

Mortgage

Document Number	0002605900,
Date	May 6, 2026
Instrument	20262605900

Lender

Name	JLB CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 22, 2025
Property Address	636 S CEDAR ST, GERALD, MO 63037-2242
Document Number	0002500732
Map Reference	PB F PG 36
Instrument Date	Jan 21, 2025
Instrument	2500732
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	TRUST TITLE COMPANY, TRUE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6800 VIOLA RD, GULF SHORES, AL 36542-2552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 S CEDAR ST, GERALD, MO 63037-2242

Mortgage

Document Number	0002500733
Date	Jan 22, 2025
Instrument	2500733

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	10.7%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Min Rate At Change	8.75%
Max Rate At Change	12.7%
Index	1-Year CMT
Margin	3
Max Rate	15.7%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 28, 2019
Property Address	636 S CEDAR ST, GERALD, MO 63037-2242
Document Number	0000011192
Instrument Date	Aug 27, 2019
Instrument	11192
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	HILLSBORO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	636 S CEDAR ST GERALD MO 630372242, GERALD, MO 63037-2242

Mortgage

Document Number	11193
Date	Aug 28, 2019
Instrument	11193

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 22, 2018
Property Address	636 S CEDAR ST, GERALD, MO 63037-2242
Document Number	0000000803
Instrument Date	Jan 18, 2018
Instrument	803
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 S CEDAR ST GERALD MO 630372242, GERALD, MO 63037-2242

Mortgage

Document Number	804
Date	Jan 22, 2018
Instrument	804

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2048

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	$1,533.00 (+19.3%)	$23,857 (+7.46%)	$125,560 (+7.46%) Land $16,640 Building $108,920
2023	$1,285.00 (-2.58%)	$22,200	$116,840 Land $16,640 Building $100,200
2022	$1,319.00

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

Nearby Properties on S Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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