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822 Maple Tree Cir, Osage Beach, MO, 65065

2beds
2baths
1,240sqft
$239,900
$193price/sqft
$1,740/moest. monthly cost
$69,600/yrincome needed

About This Home

This beautiful 55+ community has a parklike setting and is so well maintained that it sets the stage for the easy living good life that we all work so hard to obtain. This home has beautiful landscaping, mature trees, corner lot, no steps, great Sunroom and a 2 car garage that is insulated and drywalled. Inside has an open floor plan, Master suite, spare bedroom, hall bath, laundry room off kitchen, and living room that shows off that great sunroom. With a little TLC, warm colors and a personal touch, this home will show like a display. Grocery stores and shopping is less then a mile away, as well as great Restaurants, nightlife, entertainment, and major highway. Doctors offices, medical facilities, and hospital are minutes away as well as well known pharmacy. All the convenience of town, but still a beautiful country setting is why this home is a must see.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

6/10
9/10
Osage Middle SchoolGrades 6-81.2 mi
7/10
Osage High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Slab
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Disposal,Microwave,Range,Refrigerator,Stove,Washer

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s)
  • Fireplace features: None

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,240
  • Total interior livable area: 1,240 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Features: Bath in Primary Bedroom
  • Level: Main

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 143051002005003000
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch,Screened
  • Exterior features: Concrete Driveway,Enclosed Porch

Lot

  • Features: City Lot
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Winter Weather
Cold Wave
Heat Wave
Inland Flooding
Lightning
Strong Wind
Earthquake
Hail

FEMA Declared Disasters Across Missouri Counties

Flood
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,213$14,556
Home Insurance *$277$3,324
Property Taxes $109$1,308
Electricity $141$1,693
Total$1,740$20,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,657/yr
40% on housing$52,200/yr
45% on housing$46,400/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 65065$370
Miller County$206

vs Homes Sold Last Month

Median $/sqft

ZIP 65065
Miller County$150

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-10Contingent$239,900
2026-07-02Listed for sale$239,900

For Sale by Agent

AgentTOM LIME
BrokerageRE/MAX Lake of the Ozarks

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