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395 Evergreen Dr, Lake Ozark, MO, 65049

3beds
3baths
1,500sqft
$325,000
$217price/sqft
$2,115/moest. monthly cost
$84,600/yrincome needed

About This Home

Nice energy efficient home in the sought after area of Four Seasons. With 4 swimming pools to choose from (one indoor open all year) and tennis and pickleball courts. This 3 bed 3 bath all electric home was almost completely remodeled inside in 2023. Including new flooring, paint, new plantation blinds throughtout the home. Main level living includes 2 bedrooms 2 full baths living and dining areas along with kitchen, utility, pantry and lots of closet space. Downstairs is another bedroom full bath family room and 2 car garage. Furnace and hotwater heater are located in the heated/air conditioned garage. Wooded back yard calls for privacy and lots of deer wondering through at times. Call Mike at 618-889-4305 for a private viewing of this home today!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

8/10
Osage Middle SchoolGrades 6-85.8 mi
7/10
Osage High SchoolGrades 9-125.8 mi

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Hardwood,Linoleum / Vinyl

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,500 sqft

Property

Details

  • Parcel number: 01902900000023059000

Features

  • Exterior features: Vinyl,Brick

Lot

  • Lot size: 0.32 Acres

Parking

  • Parking features: Garage - Attached,Off-street

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 $1,643$19,716
Home Insurance *$207$2,484
Property Taxes $124$1,488
Electricity $141$1,693
Total$2,115$25,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,514/yr
40% on housing$63,450/yr
45% on housing$56,400/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

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 65049$205
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
2026-04-26Listed for sale$325,000
2025-11-04Listing removed--
2025-08-29Listed for sale$315,000
2022-08-05Sold--
2022-07-12Contingent$214,900
2022-07-12Price change$214,900
2022-06-29Price change$229,900
2022-06-13Listed for sale$250,000
2022-05-28Pending sale$250,000
2022-05-09Listed for sale$250,000

For Sale by Owner

AgentProperty Owner

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