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864 Eagle Dr, Lake Ozark, MO, 65049

6beds
7baths
7,610sqft
$2,300,000
$302price/sqft
$14,562/moest. monthly cost
$582,480/yrincome needed

About This Home

Lodge-style lakefront retreat sitting on over 1 acre with an impressive 276 feet of lakefront. Situated in Four Seasons, this 6 bedroom home features 7 bathrooms with every bedroom designed as a private ensuite. The cove location is the perfect blend of water while still capturing wide-open views, with plenty of room to add a pool if desired. Originally built in 1993 and completely renovated down to the studs in 2009, the home showcases hand-scraped hickory floors, a new DaVinci slate tile roof, and quality finishes throughout. Multiple expansive decks create several entertaining spaces, complemented by a dedicated hot tub room overlooking the lake. Inside also includes an office and private theatre room for added functionality, while the home comes fully furnished, so you can move right in and start enjoying the lake. The large dock features new concrete tiles along with a 15x48 slip, 12x36 slip, and dual PWC slips to accommodate all your lake needs. A 3-car garage and ample additional parking complete the package. This is a rare opportunity to own a true lakefront estate with acreage, extensive lakefrontage, and exceptional amenities.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10
Osage Middle SchoolGrades 6-87.5 mi
7/10
Osage High SchoolGrades 9-127.6 mi

Construction

Condition

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

Materials

  • Foundation: Basement,Poured
  • Roof: Slate
  • Construction materials: Cedar,Stone,Stucco

Notable Dates

  • Major remodel year: 2009

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Down Draft,Dishwasher,Disposal,Microwave,Plumbed For Ice Maker,Range,Refrigerator,Water Softener Owned,Separate Ice Machine,Washer

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 7

Features

  • Wet Bar,Built-in Features,Tray Ceiling(s),Ceiling Fan(s),Custom Cabinets,Coffered Ceiling(s),Furnished,Fireplace,Hot Tub/Spa,Jetted Tub,Pantry,Cable TV,Vaulted Ceiling(s),Walk-In Closet(s),Walk-In Shower,Wired for Sound,Window Treatments
  • Window features: Window Treatments
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 3
  • Fireplace features: Three,Gas,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Forced Air,Heat Pump
  • Cooling features: Central Air,Ductless

Interior Area

  • Total structure area: 7,610
  • Total interior livable area: 7,610 sqft

Property

Accessibility

  • Accessibility features: Low Threshold Shower

Details

  • Parcel number: 01903200000016056000
  • Zoning description: Residential
  • Exclusions: Animal mounts,boat lifts available for additional money

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Deck,Open,Patio,Screened
  • Exterior features: Concrete Driveway,Deck,Hot Tub/Spa,Sprinkler/Irrigation,Patio
  • Has spa: Yes
  • Spa features: Hot Tub
  • Has view: Yes
  • View description: Channel
  • Has water view: Yes
  • Water view: Channel
  • On waterfront: Yes
  • Waterfront features: Cove,Seawall,Lake Front

Lot

  • Lot size: 1.04 Acres
  • Features: Lake Front,Sloped,Views,Sprinklers Automatic
  • Lot size dimensions: 276 x 154 x 320 x 156

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Garage Door Opener,Storage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $11,630$139,560
Home Insurance *$1,470$17,640
Property Taxes $881$10,572
Electricity $581$6,973
Total$14,562$174,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$499,268/yr
40% on housing$436,860/yr
45% on housing$388,320/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

$302This 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
2026-05-01Price change$2,800,000
2024-09-17Pending sale$2,399,000
2024-09-16Sold--
2024-09-04Pending sale$2,399,000
2024-09-04Listing removed$2,399,000
2024-07-22Pending sale$2,399,000
2024-07-22Contingent$2,399,000
2024-07-06Price change$2,399,000
2024-06-16Price change$2,450,000
2024-05-20Price change$2,410,000
2024-04-30Price change$2,470,000
2024-03-21Price change$2,499,000
2024-02-19Listed for sale$2,550,000
2023-11-01Listing removed--
2023-09-06Price change$2,495,000
2023-07-28Price change$2,545,000
2023-07-26Price change$2,595,000
2023-07-16Price change$2,695,000
2023-04-27Price change$2,775,000
2023-03-10Price change$2,825,000
2022-08-19Price change$2,950,000
2022-06-23Listed for sale$3,200,000
2017-03-10Sold--

For Sale by Agent

AgentJASON WHITTLE
BrokerageRE/MAX Lake of the Ozarks

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