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116 Emerald Bay Drive #3C, Lake Ozark, MO, 65049

4beds
4baths
2,357sqft
$675,000
$286price/sqft
$4,281/moest. monthly cost
$171,240/yrincome needed

About This Home

Welcome to your lake get away!! Check out this completely remodeled, top floor, turnkey Penthouse with amazing panoramic views of the 14MM. Emerald Bay is located less than two miles down Horseshoe Bend. This condo hosts four bedrooms, four bathrooms, sleeps 12 and over 2300 square feet. This unit is equipped with all new furnishing's, New SS appliances, Large covered screened in deck with new outdoor furniture. Let us add two boat slips and two 6x12 storage units. This condo has been beautifully remodeled and very tastefully decorated ready for new owners to enjoy! Let this be your Lake Escape, there is so much room and perfect for entertaining your family and friends. This condo comes turnkey and complete with a 12X36 boat slip w/hoist and a 10X24 slip with a dual PWC hoist ready for summer!! Here at Emerald Bay, there are two community pools, Club house, Tennis and Basketball courts and a fitness room. This condo would make a great rental property, vacation, or a full-time home, with all of the awesome furnishings. Schedule your appointment today!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

9/10
Osage Middle SchoolGrades 6-85.4 mi
7/10
Osage High SchoolGrades 9-125.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2001

Notable Dates

  • Major remodel year: 2024

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Built-in Features,Tray Ceiling(s),Ceiling Fan(s),Custom Cabinets,Coffered Ceiling(s),Furnished,Fireplace,Cable TV,Walk-In Closet(s),Walk-In Shower
  • Flooring: Luxury Vinyl Plank
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,357
  • Total interior livable area: 2,357 sqft

Property

Accessibility

  • Accessibility features: Low Threshold Shower

Details

  • Parcel number: 01702600000005085112
  • Exclusions: Personal Items

Features

  • Levels: One
  • Pool features: Community
  • Patio & porch: Covered,Deck,Porch,Screened
  • Exterior features: Blacktop Driveway,Deck,Enclosed Porch,Storage,Tennis Court(s)
  • Has view: Yes
  • View description: Channel,Lake
  • Has water view: Yes
  • Water view: Channel,Lake
  • On waterfront: Yes
  • Waterfront features: Channel,Lake Privileges

Parking

  • Parking features: No Garage,Open
  • Has uncovered spaces: Yes

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

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Heat Wave
Ice Storm
Tornado
Winter Weather
Hail
Landslide
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 $3,413$40,956
Home Insurance *$431$5,172
Property Taxes $258$3,096
Electricity $179$2,159
Total$4,281$51,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,777/yr
40% on housing$128,430/yr
45% on housing$114,160/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

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 65049$203
Camden County$256

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
2026-06-30Listed for sale$675,000
2026-05-01Listing removed$695,000
2025-07-31Listed for sale$695,000
2024-02-28Listing removed--
2023-11-10Listed for sale$575,000
2023-04-19Sold--
2023-03-16Pending sale$499,900
2023-03-16Contingent$499,900
2023-03-10Listed for sale$499,900
2017-10-14Sold--

For Sale by Agent

AgentLISA RENEE JONES
BrokerageRE/MAX Lake of the Ozarks

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