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21 Winding Woods Rd, Lake Ozark, MO, 65049

4beds
4baths
2,900sqft
$409,000
$141price/sqft
$3,007/moest. monthly cost
$120,280/yrincome needed

About This Home

The Perfect Family Home — Recently Remodeled & Move-In Ready! Welcome to your family’s dream home! This beautiful 4-bedroom, 3.5-bath home offers plenty of room for everyone, featuring an open layout and sitting on almost an acre of land in a wonderful family-friendly neighborhood where kids can play and explore. Inside, you’ll find a new kitchen and updated bathrooms, along with thoughtful upgrades throughout, including a NEW HVAC, NEW water heater, NEW interior paint, trim, and flooring—all completed in 2022! With two living areas, there’s plenty of space for family movie nights, entertaining, or simply enjoying a quiet evening at home. Families will love the convenient location, just minutes from top-rated schools, shopping, dining, and the local theater. With space to grow, play, and make lasting memories, this home truly has everything a family could want. Don’t miss the opportunity to make this beautiful house your home!

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

6/10
9/10
Osage Middle SchoolGrades 6-81.7 mi
7/10
Osage High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1992

Materials

  • Foundation: Basement
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2022

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • Fireplace features: Electric
  • Fireplace: Yes

Interior Area

  • Total structure area: 3,100
  • Total interior livable area: 2,900 sqft

Property

Details

  • Parcel number: 143051000000006039
  • Zoning description: Residential
  • Exclusions: Personal Items

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Concrete Driveway

Lot

  • Lot size: 0.70 Acres
  • Features: Outside City Limits
  • Lot size dimensions: 255×117×227 x 121

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 $2,068$24,816
Home Insurance *$531$6,372
Property Taxes $187$2,244
Electricity $221$2,657
Total$3,007$36,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,097/yr
40% on housing$90,210/yr
45% on housing$80,186/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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 65049$205
Miller County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 65049
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
2026-08-17Listed for sale$409,000
2026-08-13Listing removed$409,000
2026-06-18Price change$409,000
2026-06-09Price change$419,900
2026-05-27Listed for sale$429,900

For Sale by Agent

AgentMATT FORD TEAM
BrokerageKeller Williams L.O. Realty

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