28816 White Oak Rd, Gravois Mills, MO, 65037
About This Home
Fully furnished and move-in ready, this exceptional contemporary waterfront estate delivers the ultimate Lake of the Ozarks lifestyle. Perfectly positioned on a premier point lot with panoramic main-channel views and protected cove waters, this custom 5-bedroom, 6-bath residence offers over 4,500 square feet of luxury living, including a spacious 2-car garage with epoxy flooring, all designed for relaxation and entertaining. Walls of glass showcase breathtaking lake views throughout, while the walkout lower level features radiant heated flooring and opens to expansive outdoor living spaces. The stunning 16’ x 42’ heated in-ground pool with an automatic cover creates a true private resort experience. The waterfront is equally impressive, featuring a concrete seawall, concrete walkways, and an expansive dock equipped with multiple boat hoists, two drive-on PWC ports, a swim platform, and automatic boat covers designed for a 2024 Cobalt R35 and 2021 Premier Tritoon. The dock, hoists, and PWC ports are included with the sale. Nearly all furniture, furnishings, TVs, and electronics convey with the property, excluding only personal items, two recliners, and the rocking chair in the primary suite. The 2024 Cobalt R35, 2021 Premier Tritoon, and Sea-Doo are available for purchase separately, creating an unmatched turnkey opportunity. Experience lake living at its finest.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2020
Materials
- Roof: Metal
- Construction materials: Concrete,Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Freezer,Microwave,Refrigerator,Built-In Oven,Stainless Steel Appliance(s),Under Cabinet Appliance(s),Washer,Water Softener,Tankless Water Heater
- Laundry features: Main Level,Off The Kitchen
Basement
- Has basement: Yes
- Basement: Concrete,Finished
Bathroom2
- Features: Walk-In Closet(s)
- Level: First
Bathroom3
- Level: Lower
Bathroom4
- Level: Lower
Bedroom2
- Level: First
Bedroom3
- Features: Walk-In Closet(s)
- Level: Lower
Bedroom4
- Level: Lower
Bedroom5
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 6
- Full bathrooms: 4
- 1/2 bathrooms: 2
Dining Room
- Level: First
Features
- Ceiling Fan(s),Custom Cabinets,Kitchen Island,Pantry,Smart Thermostat,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar
- Window features: Thermal Windows
- Flooring: Carpet,Concrete,Luxury Vinyl,Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Living Room,Wood Burning
- Fireplace: Yes
- Finished area below ground: 2,262
- Finished area above ground: 2,262
Gym
- Level: Lower
Half Bath
- Level: First
Heating & Cooling
- Heating features: Heat Pump,Natural Gas,Radiant Floor
- Cooling features: Electric
Interior Area
- Total structure area: 4,524
- Total interior livable area: 4,524 sqft
Kitchen
- Features: Pantry
- Level: First
Laundry
- Level: First
Living Room
- Level: First
Master Bathroom
- Features: Walk-In Closet(s)
- Level: First
Master Bedroom
- Features: All Carpet
- Level: First
Other
- Level: Lower
Property
Details
- Parcel number: 158034100008002000
Features
- Private pool: Yes
- Pool features: In Ground
- Patio & porch: Patio
- Exterior features: Balcony
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 0.35 Acres
- Lot size dimensions: 100 x 292
Parking
- Total spaces: 2
- Parking features: Built-In,Detached,Garage Faces Front
- 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
- Inland Flooding
- Heat Wave
- Ice Storm
- Lightning
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Landslide
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $12,085 | $145,020 |
| Home Insurance * | $1,743 | $20,916 |
| Property Taxes | $955 | $11,460 |
| Electricity | $345 | $4,145 |
| Total | $15,128 | $181,536 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-04 | Listed for sale | $2,390,000 |
For Sale by Agent
View on Zillow