637 S Cedar St, Gerald, MO 63037 Property Records

Franklin County property record for 637 S Cedar St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,170 sqft · built 1963
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$49,800 (Dec 2015)
Tax Bill	$1,215 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-4-002-022.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-4-002-022.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)

Location & Zoning

Street Address	637 S CEDAR ST
City	GERALD
State	MO
Zip	63037-2243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:3&4&8' ALY ATT SOUTHERN HEIGHTS
Legal Range	04W
Legal Township	42
Legal Section	11
Legal Quarter	SE
Legal Subdivision	SOUTHERN HEIGHTS
Legal Block	2
Legal Lot Number	3,4 4
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	2 Individual Names on Record
Mailing Address	7828 HIGHWAY H, GERALD, MO 63037-2838
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2019	Deed of Trust, Mortgage ANHEUSER BUSCH EMPS CU & ITS D
Feb 5, 2018	Deed of Trust, Mortgage · Line of Credit FIRST ST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2015 · Amount on Record
Deed Sale	Dec 8, 2015 · Amount on Record
Prior Sale	Apr 18, 2011
Deed Document Number	1518133
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	637 S CEDAR ST, GERALD, MO 63037-2243
Document Number	0000000598
Instrument Date	Jan 14, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7828 HIGHWAY H GERALD MO 630372838, GERALD, MO 63037-2838

Mortgage

Document Number	0000000598
Date	Jan 15, 2019
Instrument	598

Lender

Name	ANHEUSER BUSCH EMPS CU & ITS D
Address	423 LYNCH ST, ST LOUIS, MO 63118-1902

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 14, 2029

Interest

Rate Type	Adjustable Rate
Rate	4.14%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	637 S CEDAR ST, GERALD, MO 63037-2243
Document Number	0000001647
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018
Title Company	HANSEN FRANKLIN COMPANY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7828 HIGHWAY H GERALD MO 630372838, GERALD, MO 63037-2838

Mortgage

Document Number	0000001647
Date	Feb 8, 2018
Instrument	1647

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 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	$1,215.00 (+19%)	$18,907 (+7.15%)	$99,510 (+7.15%) Land $16,960 Building $82,550
2023	$1,021.00 (+4.18%)	$17,645	$92,870 Land $16,960 Building $75,910
2022	$980.00

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.

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