Camden County property record for 245 Ginger Rd, Lake Ozark, MO 65049
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,419 sqft · built 1962 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $2,817 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01 6.0 23.0 000.0 003 031.000 |
| Primary APN | 01 6.0 23.0 000.0 003 031.000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,419 sqft Gross Area |
| 1st Floor Area | 1,029 sqft |
| Basement Area | 567 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Frame |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 121 ft deep x 160 ft wide |
| Street Address | 245 GINGER RD |
|---|---|
| City | LAKE OZARK |
| State | MO |
| Zip | 65049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 167 |
| Legal Range | 16W |
| Legal Township | 40N |
| Legal Section | 23 |
| Legal Subdivision | HORSESHOE BEND #7 |
| Legal Lot Number | 167 |
| Jurisdiction | CAMDEN MO |
| Township / Civil Division | PAWHUSKA |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 950102 |
Source: Camden County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Mailing Address | 4760 BRITTANY CT, GRANITE CITY, IL 62040-2686 |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MID AMERICA BANK |
| Jan 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MID AMERICA BANK |
| Sep 7, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF SAINT ELIZABETH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 7, 2011 |
| Deed Sale | Feb 7, 2011 |
| Deed Book / Page | 703 / 413 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN MO |
| Recording Date | May 19, 2026 |
| Property Address | 245 GINGER RD, LAKE OZARK, MO 65049 |
| Document Number | 0359000536 |
| Book / Page | 359 / 536 |
| Instrument Date | May 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 4760 BRITTANY CT, GRANITE CITY, IL 62040-2686 |
| Document Number | 0359000536, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 359/536 |
| Name | MID AMERICA BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN MO |
| Property Address | 245 GINGER RD, LAKE OZARK, MO 65049 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4760 BRITTANY CT, GRANITE CITY, IL 62040-2686 |
| Document Number | 000347/587 |
|---|---|
| Date | Jan 31, 2023 |
| Book Page | 347/587 |
| Name | MID AMERICA BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN MO |
| Property Address | 245 GINGER RD, LAKE OZARK, MO 65049 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4760 BRITTANY CT, GRANITE CITY, IL 62040-2686 |
| Document Number | 000340/708 |
|---|---|
| Date | Sep 7, 2021 |
| Book Page | 340/708 |
| Name | BANK OF SAINT ELIZABETH |
|---|---|
| Type | Bank |
| Address | OSAGE BEACH, MO 65065 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Camden County assessment roll, as of November 10, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Camden County |
| Unified School District | School of The Osage School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,817.00 (+110.07%) | $53,240 (-) | $280,211 (-) |
| 2023 | $53,240 (+112.03%) | $280,211 (+112.03%) | |
| 2022 | $1,341.00 | $25,110 | $132,158 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CAMDEN COUNTY PWSD 4 HORSESHOE BEND serves 7,912 people · EPA ID MO3021377 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 29 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.
Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
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