Camden County property record for 549 Elbow Cay, Osage Beach, MO 65065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,762 sqft · built 1976 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,934 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 3.0 07.0 000.0 004 042.000 |
| Primary APN | 08 3.0 07.0 000.0 004 042.000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,762 sqft Gross Area |
| Year Built | Built 1976 |
|---|---|
| Construction Type | Frame |
| Lot Area | 43,560 sqft (1 acres) |
| Street Address | 549 ELBOW CAY |
|---|---|
| City | OSAGE BEACH |
| State | MO |
| Zip | 65065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TAN TAR A ESTATES #303 FROM THE NE COR OF SE 14 THEN S 799.61' AL |
| Legal Subdivision | TAN TAR A ESTATES |
| Jurisdiction | CAMDEN MO |
| Township / Civil Division | OSAGE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 950202 |
549 Elbow Cay, a single family home, is owned by two individuals.
Source: Camden County records, as of November 7, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 523 CLOVER RIDGE DR, WALFORD, IA 52351-5452 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000769702 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN MO |
| Property Address | 549 ELBOW CAY, OSAGE BEACH, MO 65065-2585 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 523 CLOVER RIDGE DR, WALFORD, IA 52351-5452 |
| Document Number | 000342/955 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 342/955 |
| Name | BANK OF SAINT ELIZABETH |
|---|---|
| Type | Bank |
| Address | SAINT ELIZABETH, MO 65075 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 549 Elbow Cay was $1,934.
Source: Camden County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Camden County |
| Unified School District | Camdenton R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,934.00 | $45,580 | $239,895 |
| 2023 | $45,580 (-) | $239,895 (-) | |
| 2022 | $2,024.00 | $45,580 | $239,895 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 549 Elbow Cay in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 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 risk around 549 Elbow Cay is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Co-Mo Connect Fiber | 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: Spectrum, Wisper ISP.
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