704 S Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 704 S Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1988
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Jul 2006)
Tax Bill	$1,685 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-1-12.0-3-001-005.000`

Property Details

APN / Parcel Number

Primary APN	`25-1-12.0-3-001-005.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area

Exterior

Year Built	Built 1988
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Patio Area	144 sqft

Location & Zoning

Street Address	704 S BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:7 COUNTRYSIDE
Legal Range	04W
Legal Township	42
Legal Section	12
Legal Quarter	SW
Legal Subdivision	COUNTRYSIDE (LOC 25)
Legal Block	1
Legal Lot Number	7
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1004
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	704 S BERNHARDT AVE, GERALD, MO 63037-2324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage SULLIVAN BANK
Jul 17, 2020	Quit Claim Deed, Transfer · Line of Credit SULLIVAN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2006 · Amount on Record
Deed Sale	Jul 7, 2006 · Amount on Record
Prior Sale	Jul 7, 2006
Deed Document Number	0000015222
Last Transfer Date	Jul 17, 2020
Transfer Doc	0000011335
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	704 S BERNHARDT AVE, GERALD, MO 63037-2324
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002206032
Date	Apr 14, 2022
Instrument	2206032

Lender

Name	SULLIVAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jul 17, 2020
Property Address	704 S BERNHARDT AVE, GERALD, MO 63037-2324
Document Number	0000011335
Instrument Date	Jul 10, 2020
Instrument	11335
Transaction Type	Transfer
Record Updated	Jul 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	704 S BERNHARDT AVE GERALD MO 630372324, GERALD, MO 63037-2324

Mortgage

Document Number	11336
Date	Jul 17, 2020
Instrument	11336

Lender

Name	SULLIVAN BK
Address	SULLIVAN, MO 63080

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	$1,685.00 (+18.66%)	$26,215 (+6.84%)	$137,970 (+6.84%) Land $15,120 Building $122,850
2023	$1,420.00 (-4.7%)	$24,537	$129,140 Land $15,120 Building $114,020
2022	$1,490.00

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 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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 115 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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