661 S Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 661 S Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,389 sqft · built 1960
Owner	Individual Name on Record
Tax Bill	$1,213 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-1-11.0-4-002-001.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-11.0-4-002-001.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,389 sqft Living Area

Exterior

Year Built	Built 1960
Architectural Style	A-Frame
Construction Type	Frame

Location & Zoning

Street Address	661 S BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:3,4&PT1 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	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	Individual Name on Record
Mailing Address	661 S BERNHARDT AVE, GERALD, MO 63037-2311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Warranty Deed, Transfer GUILD MTG
Aug 22, 2017	Grant Deed, Transfer CORNERSTONE MTG
Apr 12, 2017	Deed in Lieu of Foreclosure, Foreclosure TITLE 365

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2020
Deed Sale	May 27, 2020
Prior Sale	Apr 12, 2017
Deed Document Number	2007781
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 27, 2020
Property Address	661 S BERNHARDT AVE, GERALD, MO 63037-2311
Document Number	0000007781
Instrument Date	May 22, 2020
Instrument	7781
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 RIDGEWAY DR #K NEW HAVEN MO 630681249, K, NEW HAVEN, MO 63068-1249

Mortgage

Document Number	7782
Date	May 27, 2020
Instrument	7782

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 26, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 22, 2017
Property Address	661 S BERNHARDT AVE, GERALD, MO 63037-2311
Document Number	0000012707
Instrument Date	Aug 17, 2017
Instrument	12707
Transaction Type	Transfer
Record Updated	Aug 28, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	661 S BERNHARDT AVE GERALD MO 630372311, GERALD, MO 63037-2311

Mortgage

Document Number	12708
Date	Aug 22, 2017
Instrument	12708

Lender

Name	CORNERSTONE MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2047

April 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	FRANKLIN MO
Recording Date	Apr 12, 2017
Property Address	661 S BERNHARDT AVE, GERALD, MO 63037-2311
Document Number	0000005245
Instrument Date	Feb 17, 2017
Instrument	5245
Transaction Type	Foreclosure
Record Updated	Apr 17, 2017
Title Company	TITLE 365

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	661 S BERNHARDT AVE GERALD MO 630372311, GERALD, MO 63037-2311
Investor	Possibly a Property Investor

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	$1,213.00 (+22.03%)	$18,877 (+9.89%)	$99,350 (+9.89%) Land $6,400 Building $92,950
2023	$994.00 (+2.26%)	$17,178 (+2.94%)	$90,410 (+2.94%) Land $6,400 Building $84,010
2022	$972.00	$16,688
2021			$87,830 Land $6,400 Building $81,430

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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