3909 Aver Rd, Osage Beach, MO 65065 Property Records

Miller County property record for 3909 Aver Rd, Osage Beach, MO 65065

Property Summary

Property Type	Single Family Home
Details	2,522 sqft · built 1995
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Apr 2024 Sale May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12124`

Property Details

APN / Parcel Number

Primary APN	`12124`
Alternative APN	`129032003006007027`

Interior

Stories	2 Stories
Building Area	2,522 sqft Living Area
1st Floor Area	808 sqft
Basement Area	808 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Account Number	12124
Street Address	3909 AVER RD
City	OSAGE BEACH
State	MO
Zip	65065-9061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 WOODLAND SHORES 1ST ADD (PT OF LOT LIES IN CAMDEN CO)
Legal Range	15W
Legal Township	40N
Legal Section	32
Legal Subdivision	WOODLAND SHORES
Legal Lot Number	26
Jurisdiction	MILLER MO
Township / Civil Division	GLAZE
Census Block Group	1
Census Block	1052
Census Tract	962801

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	3909 AVER RD, OSAGE BEACH, MO 65065-9061
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Beneficiary Deed, Transfer
May 12, 2023	Quit Claim Deed, Transfer · Closed-End Mortgage PATRIOTS BANK
May 12, 2023	Warranty Deed, Transfer · Closed-End Mortgage PATRIOTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2023
Deed Sale	May 25, 2023
Prior Sale	May 12, 2023
Deed Document Number	20232166
Deed Book / Page	2023 / 2166
Last Transfer Date	Apr 15, 2024
Transfer Doc	02024/1349
Record Updated	Oct 29, 2026

April 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MILLER MO
Recording Date	Apr 16, 2024
Property Address	3909 AVER RD, OSAGE BEACH, MO 65065-9061
Document Number	02024/1349
Book / Page	2024 / 1349
Map Reference	MB 33 PG 31
Instrument Date	Apr 15, 2024
Instrument	202401349
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3909 AVER RD, OSAGE BEACH, MO 65065-9061

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3909 AVER RD, OSAGE BEACH, MO 65065-9061

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMDEN MO
Recording Date	May 12, 2023
Property Address	3909 AVER RD, OSAGE BEACH, MO 65065
Document Number	000885/259
Book / Page	885 / 259
Instrument Date	May 11, 2023
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 AVER RD, OSAGE BEACH, MO 65065

Mortgage

Document Number	0000348560
Date	May 12, 2023
Instrument	348///560

Lender

Name	PATRIOTS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 11, 2043

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLER MO
Recording Date	May 12, 2023
Property Address	3909 AVER RD, OSAGE BEACH, MO 65065-9061
Document Number	02023/2009
Book / Page	2023 / 2009
Map Reference	MB 33 PG 31
Instrument Date	May 11, 2023
Instrument	202302009
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 AVER RD, OSAGE BEACH, MO 65065-9061

Mortgage

Document Number	0202302012
Date	May 12, 2023
Instrument	202302012

Lender

Name	PATRIOTS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 11, 2043

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Miller 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
2026		$41,680 (-) Land $1,830 Building $39,850	$219,330 (-) Land $9,620 Building $209,710
2025	$2,178.00	$41,680 (+12.56%) Land $1,830 Building $39,850	$219,330 (+12.54%) Land $9,620 Building $209,710
2023		$37,030 Land $1,660 Building $35,370	$194,890 Land $8,750 Building $186,140

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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

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 45% of the US · above 52% 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 138 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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