428 Overlook Rd, Lake Ozark, MO 65049 Property Records

Miller County property record for 428 Overlook Rd, Lake Ozark, MO 65049

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,572 sqft · built 1962
Lot Size	1.1 acres (48,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$494,760 (Aug 2022)
Tax Bill	$3,897 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10099`

Property Details

APN / Parcel Number

Primary APN	`10099`
Alternative APN	`124019002001007000`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,572 sqft Living Area
Gross Area	2,204 sqft
1st Floor Area	2,204 sqft
Basement Area	551 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	48,325 sqft (1.1 acres)
Utility Building	240 sqft

Location & Zoning

Account Number	10099
Street Address	428 OVERLOOK RD
City	LAKE OZARK
State	MO
Zip	65049-7139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 18 & 19 LOOKOUT POINT
Legal Range	15W
Legal Township	40N
Legal Section	19
Legal Subdivision	LOOKOUT POINT
Legal Lot Number	18-19
Jurisdiction	MILLER MO
Township / Civil Division	GLAZE
Census Block Group	1
Census Block	1027
Census Tract	962701

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	428 OVERLOOK RD, LAKE OZARK, MO 65049-7139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Construction Mortgage CENTRAL TRUST BANK
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit MID AMERICA BANK
Sep 14, 2022	Beneficiary Deed, Transfer
Aug 17, 2022	Warranty Deed, Transfer · Line of Credit BANK OF SAINT ELIZABETH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Deed Document Number	20224047
Deed Book / Page	2022 / 4047
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Recording Date	Aug 20, 2026
Property Address	428 OVERLOOK RD, LAKE OZARK, MO 65049-7139
Document Number	0000003705
Book / Page	2026 / 3705
Instrument Date	Aug 19, 2026
Instrument	20263705
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 OVERLOOK RD, LAKE OZARK, MO 65049-7139

Mortgage

Document Number	0000003705,
Date	Aug 20, 2026
Book Page	2026/3705
Instrument	20263705

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 18, 2027

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	428 OVERLOOK RD, LAKE OZARK, MO 65049-7139
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 BEACON HILL DR, LAKE OZARK, MO 65049-7127

Mortgage

Document Number	02023/2864
Date	Jul 12, 2023
Book Page	2023/2864
Instrument	202302864

Lender

Name	MID AMERICA BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MILLER MO
Recording Date	Sep 14, 2022
Property Address	428 OVERLOOK RD, LAKE OZARK, MO 65049-7139
Document Number	02022/4574
Book / Page	2022 / 4574
Instrument Date	Sep 6, 2022
Instrument	202204574
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLER MO
Recording Date	Aug 17, 2022
Property Address	428 OVERLOOK RD, LAKE OZARK, MO 65049-7139
Document Number	02022/4047
Book / Page	2022 / 4047
Instrument Date	Aug 15, 2022
Instrument	202204047
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	65 BEACON HILL DR, LAKE OZARK, MO 65049-7127

Mortgage

Document Number	02022/4048
Date	Aug 17, 2022
Book Page	2022/4048
Instrument	202204048

Lender

Name	BANK OF SAINT ELIZABETH
Type	Bank
Address	OSAGE BEACH, MO 65065

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$74,990 (-) Land $28,470 Building $46,520	$394,690 (-) Land $149,850 Building $244,840
2025	$3,897.00	$74,990 (+57.58%) Land $28,470 Building $46,520	$394,690 (+57.57%) Land $149,850 Building $244,840
2023		$47,590 Land $25,870 Building $21,720	$250,490 Land $136,160 Building $114,330

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

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

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

Wildfire Risk	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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	BEACH CLUB CONDO ASSN private · serves 65 people · EPA ID MO3302314
Water Source	Groundwater
Last State Inspection	Oct 2025
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	2 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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