Franklin County property record for 645 S Main St, Gerald, MO 63037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,117 sqft · built 1960 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Sep 2025) |
| Tax Bill | $962 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-1-11.0-4-002-009.000 |
| Primary APN | 25-1-11.0-4-002-009.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,117 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 21,780 sqft (0.5 acres) |
| Shed | 1 Shed |
| Street Address | 645 S MAIN ST |
|---|---|
| City | GERALD |
| State | MO |
| Zip | 63037-2232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:5 SOUTHERN HEIGHTS |
| Legal Range | 04W |
| Legal Township | 42 |
| Legal Section | 11 |
| Legal Quarter | SE |
| Legal Subdivision | SOUTHERN HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 800502 |
645 S Main St is owned and occupied by an individual who bought it in September 2025.
Source: Franklin County records, as of November 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 S MAIN ST, GERALD, MO 63037-2232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on File |
| Deed Sale | Sep 30, 2025 · Amount on File |
| Prior Sale | Jul 18, 2006 |
| Deed Document Number | 2512341 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Sep 30, 2025 |
| Property Address | 645 S MAIN ST, GERALD, MO 63037-2232 |
| Document Number | 0002512341 |
| Map Reference | PB F PG 36 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 2512341 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2025 |
| Title Company | UNKNOWN, ETC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 645 S MAIN ST, GERALD, MO 63037-2232 |
| Document Number | 0002512342 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 2512342 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 645 S Main St was $962.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | Gerald City |
| Unified School District | Gasconade County R-II School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $962.00 | $14,966 | $78,770 Land $11,980 Building $66,790 |
| 2023 | $802.00 (+4.84%) | $13,851 | $72,900 Land $11,980 Building $60,920 |
| 2022 | $765.00 |
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.
FEMA maps place 645 S Main 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 risk around 645 S Main 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 67% of the US · lower than 78% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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