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Single Family ResidenceResidential
$224,963$195 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $127,500 on Feb 10, 2006

5540 MILL ROCK RD

GERALD, MO 63037
3
Beds
2
Baths
1,152 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
9 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$225K
$209K low$241K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$127,500 · Feb 10, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,496 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$26,412 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$23,269
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$144,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.70
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
48
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
77
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
47
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.A-Frame
CountyFranklin
Lot (acres)The size of the land the home sits on, from county records.9.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Strain-Japan SchoolA
Elementary · Grades KG–8 · 3.2 mi
H
Owensville High SchoolC
High · Grades 9–12 · 10.7 mi

District: Strain-Japan R-Xvi School District

Neighborhood · ZIP 63037These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.75

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.3,166
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.39 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,915
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,452
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

5540 Mill Rock Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 68% of homes in Franklin County
  • Smaller than 69% of homes in Franklin County
  • Has a bigger lot than 86% of homes in Franklin County
  • Older than 83% of homes in Franklin County

What homes are worth in Gerald 63037

Each bar is how many homes fall in that price range. The marker is this home.

This home
$104K$806K

This home is worth more than 40% of homes in Gerald 63037.

How it measures up in Gerald 63037

The dot is this home. The mark in the middle is the typical home in Gerald 63037.

Estimated value$224,963
CheaperTypical $257,261Pricier

Pricier than 40% of homes nearby

Price per ft²$195
CheaperTypical $184Pricier

Pricier than 56% of homes nearby

Living area1,152 ft²
SmallerTypical 1,350 ft²Bigger

Bigger than 32% of homes nearby

Lot size9 ac
SmallerTypical 4.9 acBigger

Bigger than 63% of homes nearby

Year built1950
OlderTypical 1977Newer

Newer than 21% of homes nearby

How 5540 Mill Rock Rd ranks against every home in each area.
MeasureThis homeGerald 63037Franklin County
Estimated valuepricier than$224,96340% of homes32% of homes
Price per ft²pricier than$19556% of homes47% of homes
Living areabigger than1,152 ft²32% of homes31% of homes
Lot sizebigger than9 ac63% of homes86% of homes
Year builtnewer than195021% of homes17% of homes

About 5540 Mill Rock Rd

How much is 5540 Mill Rock Rd, Gerald, MO worth?

The TopHap Estimate for 5540 Mill Rock Rd, Gerald, MO is $224,963 as of Aug 30, 2026. The likely range is $209,218 to $240,708. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5540 Mill Rock Rd, Gerald, MO last sell?

5540 Mill Rock Rd, Gerald, MO last sold on Feb 10, 2006 for $127,500, according to the county's recorded deed.

How big is 5540 Mill Rock Rd, Gerald, MO?

5540 Mill Rock Rd, Gerald, MO has 3 bedrooms, 2 bathrooms, 1,152 square feet of living space and a 9.00-acre lot.

When was 5540 Mill Rock Rd, Gerald, MO built?

5540 Mill Rock Rd, Gerald, MO was built in 1950, making it 76 years old. It is a a-frame home. The building has 1 story.

What schools serve 5540 Mill Rock Rd, Gerald, MO?

5540 Mill Rock Rd, Gerald, MO is assigned to Strain-Japan School (elementary), rated A; Owensville High School (high), rated C. All sit in Strain-Japan R-Xvi School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5540 Mill Rock Rd, Gerald, MO compare to other homes in Gerald 63037?

Among the 1,371 homes in Gerald 63037, it is worth more than 40% of them ($224,963 against a typical $257,261), its price per square foot is higher than 56% of them ($195 against a typical $184), it is bigger than 32% of them (1,152 ft² against a typical 1,350 ft²), its lot is bigger than 63% of them (9 ac against a typical 4.9 ac) and it is newer than 21% of them (1950 against a typical 1977). Measured against all of Franklin County, it is worth more than 32% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 5540 Mill Rock Rd, Gerald, MO?

The 2025 property tax bill for 5540 Mill Rock Rd, Gerald, MO was $1,496. The county assessed it at $26,412.

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