3981 Aver Rd, Osage Beach, MO 65065 Property Records

Miller County property record for 3981 Aver Rd, Osage Beach, MO 65065

Property Summary

Property Type	Single Family Home
Details	976 sqft · built 1994
Lot Size	0.087 acres (3,793 sqft)
Owner	2 Individual Names on File
Last Sale	$693,661 (Jul 2024)
Tax Bill	$1,919 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12113`

Property Details

APN / Parcel Number

Primary APN	`12113`
Alternative APN	`129032003006007002`

Interior

Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Basement Area	732 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	3,793 sqft (0.087 acres)

Location & Zoning

Account Number	12113
Street Address	3981 AVER RD
City	OSAGE BEACH
State	MO
Zip	65065-9061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 INDIAN POINTE PLACE
Legal Range	15W
Legal Township	40N
Legal Section	32
Legal Subdivision	INDIAN POINTE PLACE
Legal Lot Number	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1220 SW SOUTHGATE DR, BLUE SPRINGS, MO 64015-1806
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Dec 27, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
May 2, 2023	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Oct 3, 2022	Warranty Deed, Transfer ARROWHEAD TITLE
Jun 26, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2024 · Amount on File
Deed Sale	Jul 3, 2024 · Amount on File
Prior Sale	Oct 3, 2022
Deed Document Number	20242408
Deed Book / Page	2024 / 2408
Prior Transfer Date	Jun 18, 2020
Prior Transfer Doc	02020/2776
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	3981 AVER RD, OSAGE BEACH, MO 65065-9061
Transaction Type	Mortgage
Record Updated	Nov 17, 2025
Title Company	INTEGRITY TITLE SOLUTIONS LLC, INTEGRITY TITLE SLN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3981 AVER RD, OSAGE BEACH, MO 65065-9061

Mortgage

Document Number	02025/4464
Date	Oct 27, 2025
Book Page	2025/4464
Instrument	202504464

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	3981 AVER RD, OSAGE BEACH, MO 65065-9061
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/5658
Date	Dec 27, 2017
Book Page	2017/5658
Instrument	201705658

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	3981 AVER RD, OSAGE BEACH, MO 65065-9061
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 E CEDAR ST, CEDAR BLUFFS, NE 68015-3011

Mortgage

Document Number	02023/1858
Date	May 2, 2023
Book Page	2023/1858
Instrument	202301858

Lender

Name	COGENT BANK
Type	Bank
Address	FREMONT, NE 68025

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLER MO
Recording Date	Oct 3, 2022
Property Address	3981 AVER RD, OSAGE BEACH, MO 65065-9061
Document Number	02022/4929
Book / Page	2022 / 4929
Map Reference	MB 7 PG 17
Instrument Date	Sep 30, 2022
Instrument	202204929
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	1160 S RIDGE RD, FREMONT, NE 68025-6189

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLER MO
Recording Date	Jun 26, 2020
Property Address	3981 AVER RD, OSAGE BEACH, MO 65065-9061
Document Number	02020/2776
Book / Page	2020 / 2776
Instrument Date	Jun 18, 2020
Instrument	202002776
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 GOTT SPUR RD, BRUMLEY, MO 65017-3713

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		$36,730 (-) Land $11,770 Building $24,960	$193,290 (-) Land $61,920 Building $131,370
2025	$1,919.00	$36,730 (+14.57%) Land $11,770 Building $24,960	$193,290 (+14.54%) Land $61,920 Building $131,370
2023		$32,060 Land $10,690 Building $21,370	$168,750 Land $56,270 Building $112,480

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 100 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	Low lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.03% 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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