20 Lighthouse Rd, Lake Ozark, MO 65049 Property Records

Miller County property record for 20 Lighthouse Rd, Lake Ozark, MO 65049

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,179 sqft · built 1983
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,800 (Oct 2018)
Tax Bill	$920 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13531`

Property Details

APN / Parcel Number

Primary APN	`13531`
Alternative APN	`136013004007001003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,179 sqft Living Area
1st Floor Area	1,179 sqft
Basement Area	1,179 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	1,850 ft deep x 1,250 ft wide

Location & Zoning

Account Number	13531
Street Address	20 LIGHTHOUSE RD
City	LAKE OZARK
State	MO
Zip	65049-7130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PCL SW4 SE4
Legal Range	16W
Legal Township	40N
Legal Section	13
Legal Subdivision	105
Jurisdiction	MILLER MO
Township / Civil Division	GLAZE
Census Block Group	1
Census Block	1011
Census Tract	962701

Owner

Source: Miller County records, as of October 20, 2026

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	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 31, 2018	Intrafamily Transfer, Transfer · FHA Mortgage FIRST COMMUNITY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Prior Sale	Jul 23, 2014
Deed Document Number	20184589
Deed Book / Page	2018 / 4589
Prior Transfer Date	Oct 29, 2018
Prior Transfer Doc	02018/4589
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Recording Date	Sep 15, 2026
Property Address	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130
Document Number	0000004178
Book / Page	2026 / 4178
Instrument Date	Sep 8, 2026
Instrument	20264178
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130

Mortgage

Document Number	0000004178,
Date	Sep 15, 2026
Book Page	2026/4178
Instrument	20264178

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130

Mortgage

Document Number	02021/2861
Date	May 26, 2021
Book Page	2021/2861
Instrument	202102861

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Nov 1, 2048

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLER MO
Recording Date	Oct 31, 2018
Property Address	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130
Document Number	02018/4589
Book / Page	2018 / 4589
Instrument Date	Oct 29, 2018
Instrument	201804589
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGENCY LL

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LIGHTHOUSE RD, LAKE OZARK, MO 65049-7130

Mortgage

Document Number	0201804590
Date	Oct 31, 2018
Instrument	201804590

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Miller County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Miller County
Municipality	Lake Ozark City
Unified School District	School of The Osage School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,720 (-) Land $3,090 Building $14,630	$93,260 (-) Land $16,240 Building $77,020
2025	$920.00	$17,720 (+12.58%) Land $3,090 Building $14,630	$93,260 (+12.58%) Land $16,240 Building $77,020
2023		$15,740 Land $2,790 Building $12,950	$82,840 Land $14,700 Building $68,140

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 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	3 in force
Nearby Flood Claims	2 (2013–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2019 · Severe Storms, Tornadoes, And Flooding

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

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

Wildfire Risk	Moderate above 46% of the US · above 55% of Missouri
Wildfire Likelihood	0.07% 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	LAKE OZARK PWS serves 2,007 people · EPA ID MO3010441
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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