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438 Grandview Dr, Lake Ozark, MO, 65049

3beds
4baths
2,202sqft
$435,000
$198price/sqft
$2,811/moest. monthly cost
$112,440/yrincome needed

About This Home

Walk-in, no steps, attached garage, lake views, and very low assessments! Enjoy the peace of mind that comes with a well-managed HOA. Take your golf cart straight to your private 12x32 boat slip and start living the Lake life you’ve dreamed of. This 3-level villa offers over 2,200 sq ft of stylish, comfortable living with thoughtful updates throughout..including new laminate wood flooring, quartz countertops, modern appliances, & a beautifully remodeled kitchen. The main level features an open-concept living area with a cozy gas fireplace, dining space, and a convenient half bath. Upstairs, the primary suite provides incredible lake views and a peaceful retreat, accompanied by two additional bedrooms and a shared bath. The lower level offers a spacious entertaining area w/ a second fireplace, a charming play nook, oversized storage, & access to a covered deck overlooking the lake. Located in a quiet, highly desired area off HH with many full-time residents, this home sits on a serene cul-de-sac and includes access to a community pool, clubhouse, & playground. Enjoy the perfect blend of convenience, comfort, & lakefront living!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

8/10
Osage Middle SchoolGrades 6-86.2 mi
7/10
Osage High SchoolGrades 9-126.2 mi

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Poured
  • Roof: Composition
  • Construction materials: Synthetic Stucco,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Water Softener Owned,Stove

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Walk-In Closet(s),Walk-In Shower
  • Flooring: Laminate,Tile
  • Number of fireplaces: 2
  • Fireplace features: Two
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,202
  • Total interior livable area: 2,202 sqft

Property

Accessibility

  • Accessibility features: Low Threshold Shower

Details

  • Parcel number: 01602300000004059000
  • Zoning description: Residential
  • Exclusions: Furniture can be left or taken. The Inventory List can be discussed based on the offer. Home owner marina fee is $780.00 additional a year.

Features

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

Lot

  • Features: Cul-De-Sac,Near Golf Course,Views
  • Lot size dimensions: .

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $2,199$26,388
Home Insurance *$278$3,336
Property Taxes $166$1,992
Electricity $168$2,017
Total$2,811$33,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,377/yr
40% on housing$84,330/yr
45% on housing$74,960/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

$198This 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)

No zestimate history available

Price History

DateEventPrice
2026-03-31Price change$435,000
2026-01-07Price change$439,999
2025-10-27Listed for sale$449,000
2025-10-25Listing removed$449,000
2025-08-14Price change$449,000
2025-05-04Listed for sale$459,000
2020-11-20Sold--
2020-10-05Pending sale$272,000
2020-08-25Price change$272,000
2020-06-21Listed for sale$275,000
2018-01-01Listing removed$292,500
2017-06-09Listed for sale$292,500
2012-11-30Listing removed$149,900
2012-09-13Price change$149,900
2012-07-13Price change$151,800
2012-06-06Price change$159,700
2012-05-06Price change$168,100
2012-03-31Listed for sale$176,900

For Sale by Agent

AgentMARR / ELLIOTT & ASSOCIATES MARR, SOPHIA, RE/MAX Lake of the Ozarks, AMBER ELLIOTT, RE/MAX Lake of the Ozarks
BrokerageRE/MAX Lake of the Ozarks

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