28 Cardinal Cir, Lake Ozark, MO 65049 Property Records

Miller County property record for 28 Cardinal Cir, Lake Ozark, MO 65049

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,776 sqft · built 1994
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jul 2021)
Tax Bill	$1,807 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13557`

Property Details

APN / Parcel Number

Primary APN	`13557`
Alternative APN	`136013004008005000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,776 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	1,040 ft deep x 620 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	13557
Street Address	28 CARDINAL CIR
City	LAKE OZARK
State	MO
Zip	65049-7110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 SEC A BLK 4 CARDINAL POINT
Legal Range	16W
Legal Township	40N
Legal Section	13
Legal Subdivision	CARDINAL POINT
Legal Block	4
Legal Lot Number	14
Jurisdiction	MILLER MO
Township / Civil Division	GLAZE
Census Block Group	1
Census Block	1021
Census Tract	962701

Owner

28 Cardinal Cir is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 CARDINAL CIR, LAKE OZARK, MO 65049-7110
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 13, 2018	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Mar 15, 2006 · Amount on File
Deed Document Number	20213762
Deed Book / Page	2021 / 3762
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	28 CARDINAL CIR, LAKE OZARK, MO 65049-7110
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02018/0566
Date	Feb 13, 2018
Book Page	2018/0566
Instrument	201800566

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLER MO
Recording Date	Jul 7, 2021
Property Address	28 CARDINAL CIR, LAKE OZARK, MO 65049-7110
Document Number	02021/3762
Book / Page	2021 / 3762
Map Reference	MB 5 PG 12
Instrument Date	Jul 2, 2021
Instrument	202103762
Transaction Type	Transfer
Record Updated	Jan 2, 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	28 CARDINAL CIR, LAKE OZARK, MO 65049-7110

Mortgage

Document Number	0202103763
Date	Jul 7, 2021
Instrument	202103763

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 28 Cardinal Cir was $1,807.

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		$34,770 (-) Land $5,230 Building $29,540	$183,000 (-) Land $27,530 Building $155,470
2025	$1,807.00	$34,770 Land $5,230 Building $29,540	$183,000 Land $27,530 Building $155,470
2023		$30,550 Land $4,760 Building $25,790	$160,740 Land $25,030 Building $135,710

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

FEMA maps place 28 Cardinal Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
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

Wildfire risk around 28 Cardinal Cir is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 53% of Missouri
Wildfire Likelihood	0.08% 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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