646 S Main St, Gerald, MO 63037 Property Records

Franklin County property record for 646 S Main St, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on Record
Tax Bill	$1,059 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Sep 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-4-002-006.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-4-002-006.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area

Exterior

Year Built	Built 1950
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Shed	1 Shed

Location & Zoning

Street Address	646 S MAIN ST
City	GERALD
State	MO
Zip	63037-2294
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: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	2
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1048
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	Company Name on Record
Mailing Address	380 S MAIN ST, SAINT CLAIR, MO 63077-1511
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Deed of Trust, Mortgage · Line of Credit SULLIVAN BK
Sep 5, 2019	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2019
Deed Sale	Aug 28, 2019
Deed Document Number	1911718
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	646 S MAIN ST, GERALD, MO 63037-2294
Document Number	0000011406
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	380 S MAIN ST ST CLAIR MO 630771511, ST CLAIR, MO 63077-1511

Mortgage

Document Number	0000011406
Date	Jul 17, 2020
Instrument	11406

Lender

Name	SULLIVAN BK
Address	318 W MAIN ST, SULLIVAN, MO 63080-1960

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2019: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 5, 2019
Property Address	646 S MAIN ST, GERALD, MO 63037-2294
Document Number	0000011718
Instrument Date	Aug 28, 2019
Instrument	11718
Transaction Type	Foreclosure
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	380 S MAIN ST ST CLAIR MO 630771511, ST CLAIR, MO 63077-1511

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	$1,059.00 (+17.28%)	$16,484 (+5.7%)	$86,760 (+5.7%) Land $8,800 Building $77,960
2023	$903.00 (+10.12%)	$15,595	$82,080 Land $8,800 Building $73,280
2022	$820.00

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

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 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.

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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