706 S Bernhardt Ave, Gerald, MO 63037 Property Records

Franklin County property record for 706 S Bernhardt Ave, Gerald, MO 63037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1988
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,536 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-1-12.0-3-001-005.100`

Property Details

APN / Parcel Number

Primary APN	`25-1-12.0-3-001-005.100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area

Exterior

Year Built	Built 1988
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Shed	1 Shed

Location & Zoning

Street Address	706 S BERNHARDT AVE
City	GERALD
State	MO
Zip	63037-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:8 COUNTRYSIDE
Legal Range	04W
Legal Township	42
Legal Section	12
Legal Quarter	SW
Legal Subdivision	COUNTRYSIDE (LOC 25)
Legal Block	1
Legal Lot Number	8
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	706 S BERNHARDT AVE, GERALD, MO 63037-2324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Warranty Deed, Transfer FIRST ST CMNTY BK
Oct 22, 2018	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2020
Deed Sale	Sep 30, 2020
Prior Sale	Oct 22, 2018
Deed Document Number	2016508
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 30, 2020
Property Address	706 S BERNHARDT AVE, GERALD, MO 63037-2324
Document Number	0000016508
Instrument Date	Sep 25, 2020
Instrument	16508
Transaction Type	Transfer
Record Updated	Oct 8, 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
Relationship	Tenants by the Entirety
Address	706 S BERNHARDT AVE GERALD MO 630372324, GERALD, MO 63037-2324

Mortgage

Document Number	16509
Date	Sep 30, 2020
Instrument	16509

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	FARMINGTON, MO 63640

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 22, 2018
Property Address	706 S BERNHARDT AVE, GERALD, MO 63037-2324
Document Number	0000014696
Instrument Date	Oct 19, 2018
Instrument	14696
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	US TITLE

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	706 S BERNHARDT AVE GERALD MO 630372324, GERALD, MO 63037-2324

Mortgage

Document Number	14697
Date	Oct 22, 2018
Instrument	14697

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

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	$1,536.00 (+17.88%)	$23,904 (+6.2%)	$125,810 (+6.2%) Land $15,120 Building $110,690
2023	$1,303.00 (+2.52%)	$22,508	$118,460 Land $15,120 Building $103,340
2022	$1,271.00

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 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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