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788 Kersten Way #A308, Osage Beach, MO, 65065

1beds
1baths
554sqft
$189,900
$343price/sqft
$1,281/moest. monthly cost
$51,240/yrincome needed

About This Home

This unit is in the beautiful Golden Reef Condominium complex. The new salt water pool is beautiful and does not burn your eyes like chlorine pools! Recent updates to the building's siding, roofs, docks, and parking lots assure that the HOA fees will stay among the lowest in the lake area. Our condominium is on the 3rd floor just one flight up from the parking lot. Living on the top floor assures that no one will be stomping on the floor above and the walls are well insulated so you will not be disturbed. The private hallway entrance is shared with the next door and is a nice and quiet way to get out of the weather while unlocking your door. Inside the unit is a well designed kitchen with nice cabinets and a separate hutch to use as a pantry. The full sized NEW stainless steel refrigerator/freezer has water and ice in the door. In the living room, the sofa makes into a full sized bed. The bedroom has a queen sized bed and three dressers so there is plenty of room to keep a wide variety of clothes for the changes in the weather. Two floor to ceiling windows and the sliding glass door in the living room allow a virtually unobstructed panoramic view of the lake beyond the deck. The living room and kitchen feature a vaulted ceiling which allows for a very spacious feeling and extremely low electric bills! The stacked washer/dryer unit are in an enclosed closet just off the kitchen. To save space in the unit, a storage locker is on the boat dock to store all the life jackets and water toys. This unit could be your permanent home, your vacation home or your weekend getaway, or you can put it on a rental program through AirB&B or VRBO.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

3/10
8/10
Camdenton Middle SchoolGrades 7-89.9 mi
6/10
Camdenton High SchoolGrades 9-129.9 mi

Construction

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Central

Features

  • Flooring: Carpet,Laminate,Linoleum / Vinyl
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 554 sqft

Property

Details

  • Parcel number: 08101200000008044110

Features

  • Exterior features: Shingle,Vinyl,Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Parking

  • Total spaces: 2
  • Parking features: Off-street

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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Severe Storm
Straight Line Winds
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 $960$11,520
Home Insurance *$108$1,296
Property Taxes $72$864
Electricity $141$1,693
Total$1,281$15,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,920/yr
40% on housing$38,430/yr
45% on housing$34,160/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$343This listing

vs Other Active Listings

Avg $/sqft

ZIP 65065$371
Camden County$257

vs Homes Sold Last Month

Median $/sqft

ZIP 65065
Camden County$221

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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Listing removed$1,250
2026-07-23Listed for rent$1,250
2026-06-25Price change$189,900
2026-05-07Listed for sale$185,000
2026-05-01Listing removed$194,900
2025-12-10Price change$194,900
2025-07-22Price change$204,900
2025-02-04Listed for sale$209,900
2023-08-22Sold--
2023-08-11Contingent$184,900
2023-08-10Listed for sale$184,900
2023-08-05Contingent$184,900
2023-08-04Listed for sale$184,900

For Sale by Owner

AgentProperty Owner

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