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48 Enclaves Ln, Lake Ozark, MO, 65049

4beds
3baths
2,773sqft
$639,000
$230price/sqft
$4,094/moest. monthly cost
$163,760/yrincome needed

About This Home

Villa currently under construction and ready for your customization! Welcome to The Enclaves at Grandview, the newest villas with the best lake views, floor plans and neighborhood on Horseshoe Bend. Main Level Living with 4 Bedrooms and 4 baths, vaulted ceilings, fireplace, 2 lakeside covered decks and a 2 car garage. Upgrades include granite counter tops, stainless steel appliances, luxury vinyl flooring, walk-in onyx master shower and more. Additional option included is lower level wet bar w/ fridge & microwave. Can be eliminated prior to construction to lower purchase price. Options & floor plans attached. Pick your finishes and customize! Enclaves/Grandview Community amenities include lake access, golf cart path to docks, club house, pool, playground & community docks. Low assessments. Boat slips available for extra $. Close to town & so convenient to grocery stores, shopping, restaurants, hospital & much more! Come see today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Osage Middle SchoolGrades 6-86.1 mi
7/10
Osage High SchoolGrades 9-126.1 mi

Construction

Condition

  • Property condition: Under Construction
  • Year built: 2025

Materials

  • Foundation: Crawlspace
  • Construction materials: Other,Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Two Story
  • Property subType: Townhouse

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Finished,Crawl Space

Bathroom

  • Level: Main

Bathroom

  • Level: Lower

Bathroom

  • Level: Lower

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Attic,Wet Bar,Built-in Features,Ceiling Fan(s),Custom Cabinets,Fireplace,Pantry,Cable TV,Unfurnished,Vaulted Ceiling(s),Walk-In Closet(s),Walk-In Shower
  • Flooring: Luxury Vinyl Plank,Tile
  • Number of fireplaces: 1
  • Fireplace features: Electric,One
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,923
  • Total interior livable area: 2,773 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Other

  • Level: Lower

Other

  • Level: Main

Storage Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: Low Threshold Shower

Details

  • Parcel number: 01602300000004169000
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Deck,Open
  • Exterior features: Blacktop Driveway,Deck,Playground
  • Has view: Yes
  • View description: Channel,Lake
  • Has water view: Yes
  • Water view: Channel,Lake
  • On waterfront: Yes
  • Waterfront features: Other,Seawall,Lake Privileges

Lot

  • Features: Near Golf Course,Views
  • Lot size dimensions: Zero Lot Line

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • 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
    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 $3,231$38,772
Home Insurance *$408$4,896
Property Taxes $244$2,928
Electricity $211$2,541
Total$4,094$49,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,365/yr
40% on housing$122,820/yr
45% on housing$109,173/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

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 65049$204
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
2025-12-05Listed for sale$639,000

For Sale by Agent

AgentMARY LOU ANN STONE
BrokerageKeller Williams L.O. Realty

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