1212 Bluff Dr, Osage Beach, MO 65065 Property Records

Camden County property record for 1212 Bluff Dr, Osage Beach, MO 65065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,758 sqft · built 1966
Lot Size	0.868 acres (37,810 sqft)
Owner	2 Individual Names on File
Last Sale	$316,538 (Jul 2024)
Tax Bill	$1,186 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09 3.0 06.1 000.0 002 074.000`

Property Details

APN / Parcel Number

Primary APN	`09 3.0 06.1 000.0 002 074.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,758 sqft Gross Area
1st Floor Area	1,379 sqft
Basement Area	781 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Frame
Lot Area	37,810 sqft (0.868 acres)
Lot Dimensions	200 ft deep x 12 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1212 BLUFF DR
City	OSAGE BEACH
State	MO
Zip	65065-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 12 LOT 4 NW
Legal Range	15W
Legal Township	39N
Legal Section	06
Legal Lot Number	4
Jurisdiction	CAMDEN MO
Township / Civil Division	PAWHUSKA
Census Block Group	1
Census Block	1024
Census Tract	950201

Owner

1212 Bluff Dr is owned and occupied by two individuals who bought it in July 2024.

Source: Camden County records, as of April 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1212 BLUFF DR, OSAGE BEACH, MO 65065-2008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Jun 28, 2023	Warranty Deed, Transfer · Line of Credit CONCORDIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2024 · Amount on File
Deed Sale	Jul 8, 2024 · Amount on File
Prior Sale	Jun 28, 2023 · Amount on File
Deed Book / Page	900 / 930
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN MO
Recording Date	Jul 15, 2026
Property Address	1212 BLUFF DR, OSAGE BEACH, MO 65065-2008
Document Number	0360000184
Book / Page	360 / 184
Instrument Date	Jul 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1212 BLUFF DR, OSAGE BEACH, MO 65065-2008

Mortgage

Document Number	0360000184,
Date	Jul 15, 2026
Book Page	360/184

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 12, 2046

Interest

Rate	6.52%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN MO
Recording Date	Apr 13, 2026
Property Address	1212 BLUFF DR, OSAGE BEACH, MO 65065-2008
Document Number	0359000114
Book / Page	359 / 114
Instrument Date	Apr 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT, MORTGAGECONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1212 BLUFF DR, OSAGE BEACH, MO 65065-2008

Mortgage

Document Number	0359000114,
Date	Apr 13, 2026
Book Page	359/114

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	341 Months
Due	Sep 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMDEN MO
Recording Date	Jun 28, 2023
Property Address	OSAGE BEACH, MO 65065
Document Number	000886/982
Book / Page	886 / 982
Instrument Date	Jun 27, 2023
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	ARROWHEAD TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4376 SKI DR, OSAGE BEACH, MO 65065-2048

Mortgage

Document Number	0000034991
Date	Jun 28, 2023
Instrument	349//91

Lender

Name	CONCORDIA BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	6 Months
Due	Dec 24, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1212 Bluff Dr was $1,186.

Source: Camden County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Camden County
Municipality	Osage Beach City
Unified School District	School of The Osage School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,186.00	$27,260	$143,474
2023		$18,420 (-)	$96,947 (-)
2022	$827.00	$18,420	$96,947

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1212 Bluff Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 17, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1212 Bluff Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 74% of Missouri
Wildfire Likelihood	0.1% 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	OSAGE BEACH EAST PWS serves 2,611 people · EPA ID MO3011367
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: AT&T, Splash Wireless Internet, T-Mobile, Verizon.

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