Miller County property record for 45 Sander Rd, Lake Ozark, MO 65049
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 992 sqft · built 1900 |
| Lot Size | 54 acres (2,352,240 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $218,800 (Apr 2018) |
| Tax Bill | $597 (2025) |
| Deeds & Mortgages | Sep 2026 Transfer Apr 2018 Line of Credit + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 10586 |
| Primary APN | 10586 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| 1st Floor Area | 992 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Frame |
| Lot Area | 2,352,240 sqft (54 acres) |
| Pole Barn | 800 sqft |
| Account Number | 10586 |
|---|---|
| Street Address | 45 SANDER RD |
| City | LAKE OZARK |
| State | MO |
| Zip | 65049-5784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | N PT NW4 NW4 & N PT NE4 NW4 & N PT NE4 & PCL FROM U E |
| Legal Range | 15W |
| Legal Township | 40N |
| Legal Section | 21 |
| Legal Subdivision | OSAGE VALLEY VIEW SUBDIVISION NO 2 |
| Jurisdiction | MILLER MO |
| Township / Civil Division | GLAZE |
| Census Block Group | 1 |
| Census Block | 1135 |
| Census Tract | 962802 |
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 | 558 SUSAN RD, LAKE OZARK, MO 65049-6100 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 5, 2018 | Warranty Deed, Transfer · Line of Credit CENTRAL BANK OF LAKE OF THE OZARKS |
| Apr 5, 2018 | Warranty Deed, Transfer · Line of Credit CENTRAL BANK OF LAKE OF THE OZARKS |
| Nov 8, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2018 · Amount on Record |
| Deed Sale | Apr 5, 2018 · Amount on Record |
| Deed Document Number | 20181283 |
| Deed Book / Page | 2018 / 1283 |
| Last Transfer Date | Sep 21, 2026 |
| Transfer Doc | 0000004288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MILLER MO |
| Recording Date | Sep 22, 2026 |
| Property Address | 45 SANDER RD, LAKE OZARK, MO 65049-5784 |
| Document Number | 0000004288 |
| Book / Page | 2026 / 4288 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 20264288 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLER MO |
| Recording Date | Apr 5, 2018 |
| Property Address | 45 SANDER RD, LAKE OZARK, MO 65049-5784 |
| Document Number | 02018/1283 |
| Book / Page | 2018 / 1283 |
| Instrument Date | Apr 4, 2018 |
| Instrument | 201801283 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 SUSAN RD, LAKE OZARK, MO 65049-6100 |
| Document Number | 0201801284 |
|---|---|
| Date | Apr 5, 2018 |
| Instrument | 201801284 |
| Name | CENTRAL BANK OF LAKE OF THE OZARKS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLER MO |
| Recording Date | Apr 5, 2018 |
| Property Address | 45 SANDER RD, LAKE OZARK, MO 65049-5784 |
| Document Number | 2018/1283 |
| Book / Page | 2018 / 1283 |
| Instrument Date | Apr 4, 2018 |
| Instrument | 201801283 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 SUSAN RD, LAKE OZARK, MO 65049-6100 |
| Document Number | 201801284 |
|---|---|
| Date | Apr 5, 2018 |
| Instrument | 201801284 |
| Name | CENTRAL BANK OF LAKE OF THE OZARKS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 2018/1285 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 2018/1285 |
| Instrument | 201801285 |
| Name | CENTRAL BANK OF LAKE OF THE OZARKS |
|---|---|
| Type | Bank |
| Address | OSAGE BEACH, MO 65065 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MILLER MO |
| Recording Date | Nov 8, 2017 |
| Property Address | 45 SANDER RD, LAKE OZARK, MO 65049-5784 |
| Document Number | 02017/4981 |
| Book / Page | 2017 / 4981 |
| Instrument Date | Nov 7, 2017 |
| Instrument | 201704981 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 15515 HORTON LN, SHAWNEE MISSION, KS 66223-3551 |
Source: Miller County assessment roll, as of December 16, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Miller County |
| Unified School District | School of The Osage School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,490 (+17.3%) Land $2,440 Building $11,050 | $81,530 (+25.47%) Land $15,640 Building $65,890 | |
| 2025 | $597.00 | $11,500 (+14.43%) Land $2,440 Building $9,060 | $64,980 (+14.85%) Land $15,640 Building $49,340 |
| 2023 | $10,050 Land $2,300 Building $7,750 | $56,580 Land $14,910 Building $41,670 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective April 17, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2015) |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 74% of Missouri |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| Wisper ISP Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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