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123 Southwood Shores #2A, Lake Ozark, MO, 65049

2beds
2baths
840sqft
$185,000
$220price/sqft
$1,264/moest. monthly cost
$50,560/yrincome needed

About This Home

Welcome to this charming 2-bedroom, 2-bath condo offering approximately 840 sq ft of comfortable lakefront living. Recent updates include brand new carpet in the living room and hallway, adding a fresh touch to the interior. The layout is functional and inviting, with large floor-to-ceiling windows that showcase breathtaking views of the cove and fill the space with natural light. Step outside to your covered deck—perfect for enjoying morning coffee or unwinding in the evenings while taking in the peaceful waterfront setting. This unit is conveniently located just one level down from parking, providing easy access. Enjoy a wide range of amenities designed for year-round enjoyment, including a lakefront pool, tennis courts, playground, boat ramp, boat trailer parking, and even a fish cleaning station—everything you need to fully embrace lake life.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

8/10
Osage Middle SchoolGrades 6-87.2 mi
7/10
Osage High SchoolGrades 9-127.2 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1984

Notable Dates

  • Major remodel year: 2025

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Oven,Range,Refrigerator,Stove,Washer

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Cable TV,Unfurnished
  • Flooring: Laminate
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 840
  • Total interior livable area: 840 sqft

Property

Details

  • Parcel number: 01803300000004001108
  • Special condition: Short Sale

Features

  • Levels: One
  • Pool features: Community,Indoor
  • Patio & porch: Covered,Deck,Patio
  • Exterior features: Blacktop Driveway,Boat Ramp,Deck,Playground,Patio,Tennis Court(s)
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Boat Ramp/Lift Access,Lake Front

Lot

  • Features: Lake Front

Parking

  • Parking features: No Garage

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
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $935$11,220
Home Insurance *$118$1,416
Property Taxes $70$840
Electricity $141$1,693
Total$1,264$15,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,337/yr
40% on housing$37,920/yr
45% on housing$33,706/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

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 65049$206
Camden County$257

vs Homes Sold Last Month

Median $/sqft

ZIP 65049
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)

Price History

DateEventPrice
2026-04-21Listed for sale$185,000
2017-09-05Sold--

For Sale by Agent

AgentMATT SMITH REAL ESTATE GROUP LLC
BrokerageEXP Realty, LLC

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