3987 Aver Rd, Osage Beach, MO 65065 Property Records

Miller County property record for 3987 Aver Rd, Osage Beach, MO 65065

Property Summary

Property Type	Single Family Home
Details	1,225 sqft · built 1995
Lot Size	0.081 acres (3,535 sqft)
Owner	Individual Name on Record
Last Sale	$669,389 (Mar 2023)
Tax Bill	$3,184 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12127`

Property Details

APN / Parcel Number

Primary APN	`12127`
Alternative APN	`129032003006007032`

Interior

Stories	1 Story
Building Area	1,225 sqft Living Area
1st Floor Area	1,225 sqft
Basement Area	1,225 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	3,535 sqft (0.081 acres)

Location & Zoning

Account Number	12127
Street Address	3987 AVER RD
City	OSAGE BEACH
State	MO
Zip	65065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 INDIAN POINT PLACE
Legal Range	15W
Legal Township	40N
Legal Section	32
Legal Subdivision	INDIAN POINT PLACE
Legal Lot Number	3-4
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	Individual Name on Record
Mailing Address	999 N PACIFIC ST, E212, OCEANSIDE, CA 92054-2024
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN MORTGAGE CORPORATION
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK OF NORTHEAST MISSOURI
Mar 2, 2023	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC
Jan 11, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2023 · Amount on Record
Deed Sale	Mar 2, 2023 · Amount on Record
Prior Sale	Jun 20, 2011
Deed Document Number	2023797
Deed Book / Page	2023 / 797
Prior Transfer Date	Jan 7, 2021
Prior Transfer Doc	002021/173
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Recording Date	May 26, 2026
Property Address	3987 AVER RD, OSAGE BEACH, MO 65065
Document Number	0000002264
Book / Page	2026 / 2264
Instrument Date	May 21, 2026
Instrument	20262264
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	999 N PACIFIC ST, OCEANSIDE, CA 92054-2005

Mortgage

Document Number	0000002264,
Date	May 26, 2026
Book Page	2026/2264
Instrument	20262264

Lender

Name	MOUNTAIN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	3987 AVER RD, OSAGE BEACH, MO 65065
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30092 HIGHWAY Z, CANTON, MO 63435-2063

Mortgage

Document Number	02022/5409
Date	Nov 1, 2022
Book Page	2022/5409
Instrument	202205409

Lender

Name	EXCHANGE BANK OF NORTHEAST MISSOURI
Type	Bank
Address	KAHOKA, MO 63445

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2047

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLER MO
Recording Date	Mar 2, 2023
Property Address	3987 AVER RD, OSAGE BEACH, MO 65065
Document Number	002023/797
Book / Page	2023 / 797
Map Reference	MB 7 PG 17
Instrument Date	Mar 1, 2023
Instrument	202300797
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	999 N PACIFIC ST UNIT E212, E212, OCEANSIDE, CA 92054-2024

Mortgage

Document Number	0202300798
Date	Mar 2, 2023
Instrument	202300798

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLER MO
Recording Date	Jan 11, 2021
Property Address	3987 AVER RD, OSAGE BEACH, MO 65065
Document Number	002021/173
Book / Page	2021 / 173
Map Reference	MB 7 PG 17
Instrument Date	Jan 7, 2021
Instrument	202100173
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
Relationship	Family Revocable Trust
Address	3092 HIGHWAY Z, CANTON, MO 63435

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		$60,930 (-) Land $16,110 Building $44,820	$320,700 (-) Land $84,810 Building $235,890
2025	$3,184.00	$60,930 (+14.44%) Land $16,110 Building $44,820	$320,700 (+14.43%) Land $84,810 Building $235,890
2023		$53,240 Land $14,640 Building $38,600	$280,250 Land $77,070 Building $203,180

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	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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