Lake Ozark Homes under $400,000

Lake Ozark Homes under $400,000

Welcome to Lake Ozark, Missouri, a picturesque gem nestled in the heart of the Ozarks, where stunning natural beauty meets vibrant community living. Known for its breathtaking lakeside views and an abundance of recreational activities, Lake Ozark is the perfect retreat for those seeking both adventure and tranquility. Whether you're an outdoor enthusiast looking to explore the lush hiking trails or a water lover eager to enjoy boating, fishing, and swimming, this charming city has something for everyone.

The real estate market in Lake Ozark is as diverse as its landscape, with a variety of homes available, including fantastic options under $400,000. Imagine waking up to serene lake views and enjoying the vibrant sunsets from your very own deck. These homes offer the perfect blend of comfort and affordability, making them ideal for first-time buyers, families, or anyone looking to invest in a vacation getaway.

Many of these properties boast modern amenities, spacious layouts, and easy access to the area's popular attractions, including local shops, restaurants, and entertainment venues. With a friendly community atmosphere and a range of activities year-round, Lake Ozark is not just a place to live; it’s a lifestyle.

Whether you're looking to settle down or find a seasonal escape, Lake Ozark offers an array of homes under $400,000 that perfectly fit your needs. Embrace the charm of this lakeside paradise and discover your dream home today!

Newest Lake Ozark Homes under $400,000

110 Falls Point Drive Unit 2B, Lake Ozark
$289,000
3 Beds ⋅ 3 Baths ⋅ 3590434 MLS
Welcome to easy lake living at The Falls! This is one of the best buys for a 3 bedroom, 3 FULL Bath condo on Horseshoe Bend! Spectacular panoramic views of both the cove and main channel from an oversized covered deck made for entertaining, relaxing and soaking up the Lake life. The open floor plan features two lakeside suites, luxury vinyl plank flooring, and a kitchen with large breakfast bar and coffee station. Enjoy convenient walk-in access from gravel parking area right outside your door plus an assigned covered garage space. A 10x28 boat slip is included, with an additional 10x28 slip available! Also available or a boat hoist and two PWC drive-on lifts. The Falls offers a resort style feel with two pools, tennis courts, a playground, elevators, a lakeside boardwalk and beautifully maintained grounds. You can literally get to the pool and dock with almost zero steps! Just minutes from shopping, dining and medical facilities by land and close to Bagnell Dam strip and tons of lakefront destinations by water. Make this your personal lake retreat or an income producing Vacation Rental. Either way, this one is selling TURNKEY and ready to roll. Check it out TODAY!

110 Falls Point Drive Unit 2B, Lake Ozark
71 Southwood Shores Place Unit 2C, Lake Ozark
$215,000
2 Beds ⋅ 2 Baths ⋅ 3590254 MLS
Enjoy lakefront living at Southwood Shores in this 2 bed, 2 bath condo offering 840 square feet of comfortable one level living. The covered deck provides a relaxing channel view, while the interior features luxury vinyl plank flooring, stacked washer and dryer, window treatments and a fully furnished turnkey setup. Community amenities include indoor and outdoor pools, hot tub, clubhouse, beach, playground, tennis and pickleball courts, boat ramp, swim and fishing dock, trailer parking and gated entry. Conveniently located off Horseshoe Bend Parkway near shopping, dining and entertainment around the lake. An excellent option for a personal lake retreat or investment property. The seller currently rents a 12 x 32 boat slip, and the existing rental agreement is assumable by the buyer.

71 Southwood Shores Place Unit 2C, Lake Ozark
315 Highland Shores Drive Unit 4F, Lake Ozark
$295,000
3 Beds ⋅ 3 Baths ⋅ 3590528 MLS
Retreat to 315 Highland Shores 4F, an updated 3-bedroom, 3-bath end-unit with TRUE WALK-IN ACCESS, NO STEPS, and spectacular panoramic Main Channel views! The open-concept layout and incredible lake backdrop set the tone for easy, effortless living at the Lake. TWO LAKEFRONT KING SUITES—offer amazing views and privacy. The Living Room flows directly onto an oversized screened-in deck where the Main Channel takes center stage. Sip your morning coffee, gather with friends, watch the boats pass by, or unwind at sunset. The Kitchen features a breakfast bar with additional seating and opens to the main living area. Highland Shores offers 2 lakeside pools and dog stations. Located just off Horseshoe Bend and at the 14 mile marker, the unit is minutes from dining, shopping, golf, entertainment and recreation. Whether you’re searching for a full-time lakefront home, weekend escape, or an investment opportunity, 315 Highland Shores 4F has so much to offer—NO STEPS, TWO lakefront King Suites, incredible Main Channel views, desirable amenities, and LOW HOA DUES.

315 Highland Shores Drive Unit 4F, Lake Ozark
179 Vintage Circle Unit 3A-B, Lake Ozark
$199,900
2 Beds ⋅ 2 Baths ⋅ 3590544 MLS
Located on the top floor at Vintage Landing, this spacious 2-bedroom, 2-bath condo offers stunning main-channel views of Lake of the Ozarks from the screened-in porch and an unbeatable central location. The flexible lockout floor plan includes a private bedroom, full bath, and kitchenette—a proven, turn-key Airbnb where current owners enjoy strong rental success. Sold fully furnished, the condo features a newer HVAC system, a full kitchen plus kitchenette, and a full-size washer and dryer, making it ideal for full-time living, a weekend retreat, or an investment. Assessments include electric for the condo as well as access to the exceptional Four Seasons amenities, such as the new indoor pool, fitness center, multiple pools, fishing lakes, activity center, boat launches, campground, RV park, Bark Park, hiking and biking trails, parks, sports courts, swim club, tennis club, and more. Conveniently located near popular restaurants and entertainment by land or water, this property delivers a premier host opportunity and a front-row seat to holiday fireworks, blending lake lifestyle with proven income potential.

179 Vintage Circle Unit 3A-B, Lake Ozark
40 Lighthouse Road Unit 101, Lake Ozark
$349,000
4 Beds ⋅ 3 Baths ⋅ 3590506 MLS
Lake days are easy from this turnkey 4-bedroom, 3 full bathroom condo at Lighthouse Landing! Offering approximately 1,700 sq ft and 2 primary suites, this spacious unit gives family and guests room to spread out. Step outside and you have a screened in porch off the living room on the main level and on the lower level another covered patio and just a few steps to the dock with a 12x32 boat slip and waverunner slip included. But location might be one of its biggest perks! Lighthouse sits inside a protected cove, where owners and guests can enjoy relaxing Lake days handing out in the water. When you are ready to get off the water, you're just minutes from Bagnell Dam Strip, great restaurants, shopping and year round entertainment. This complex also allows nightly rentals when your away. Whether you're gathering for a weekend or settling in for a longer stay, this condo puts the water close and keeps the work to a minimum.

40 Lighthouse Road Unit 101, Lake Ozark
150 Southwood Shores Drive Unit 304-4D, Lake Ozark
$229,900
2 Beds ⋅ 2 Baths ⋅ 3590519 MLS
Rare opportunity to own a fully updated, turnkey lakefront condo at Southwood Shores! This 2-bedroom, 2-bath top-floor unit sits at the 12 Mile Marker in Lake Ozark and combines an incredible location, beautiful views, amenities, and proven rental potential. Step inside to a bright, stylish interior featuring vaulted ceilings, beautiful flooring, and a fully updated kitchen with white cabinetry, stainless appliances, and plenty of countertop seating. The thoughtful interior design gives the entire condo a clean, modern lake feel and it comes fully furnished and ready to enjoy. Step outside onto the huge deck for incredible lake views and plenty of room to relax or entertain. You're just steps from the pool, while Southwood Shores offers indoor and outdoor pools, a hot tub, clubhouse, playground, boat ramp, and gated entry. The indoor pool adds to the year-round rental appeal, and this unit already has a great rental history with nightly rentals allowed. A 10x24 boat slip with lift is included, making this the complete Lake of the Ozarks package!

150 Southwood Shores Drive Unit 304-4D, Lake Ozark
70 Robinwood Drive Unit 3E, Lake Ozark
$200,000
2 Beds ⋅ 2 Baths ⋅ 3590348 MLS
Welcome to your Lake of the Ozarks getaway! This beautifully furnished, turn-key 2-bedroom, 2-bath top-floor condo offers stunning lake views and the perfect blend of comfort, convenience, and waterfront living. Large windows fill the open living space with natural light, while the vaulted ceilings and newer windows create an open, airy feel throughout. Enjoy relaxing on your private deck while taking in the beautiful lake views. The condo features newer appliances and comes fully furnished, making it easy to move in, enjoy as a vacation home, or use as an investment property. For the lake enthusiast, a 10x20 covered boat slip with lift and a PWC slip with lift are included. Community amenities include a pool, clubhouse, tennis courts, playground, and beautifully maintained grounds. Located in the heart of the Lake of the Ozarks area, this property puts boating, fishing, dining, and entertainment within easy reach. Come experience lake living at its best!

70 Robinwood Drive Unit 3E, Lake Ozark
202E Harbour Towne Drive Unit 202-E, Lake Ozark
$389,900
3 Beds ⋅ 3 Baths ⋅ 3590302 MLS
Sparkling clean and beautifully maintained, this 3-bedroom, 3-bath Harbour Towne condo delivers exceptional lake views, a prime location, and true turnkey convenience. The expansive deck captures an impressive 180-degree panoramic view of the Main Channel, with no docks directly in front to interrupt the scenery or lake activity. Thoughtfully furnished and ready to enjoy, the open living and dining areas offer plenty of space for family and guests, while the kitchen features granite breakfast bar, attractive appliances, a bay window and abundant seating. The spacious primary suite opens directly to the deck and includes a private bath with double vanities, soaking tub and walk-in shower. Two additional bedrooms provide comfortable accommodations, including a private ensuite. A 12x32 boat slip with an 8,000-lb lift and captain’s remote is included. Harbour Towne amenities include two heated pools, playground, tennis court, walking paths, lakefront promenade, pet areas and clubhouse with exercise room. Convenient by land or water and close to restaurants, entertainment and area attractions, this is the complete Lake of the Ozarks package!

202E Harbour Towne Drive Unit 202-E, Lake Ozark
116 Emerald Bay Drive Unit 3D, Lake Ozark
$279,900
3 Beds ⋅ 2 Baths ⋅ 3590195 MLS
Top-floor lake view condo in Emerald Bay with a 12x32 boat slip, located in the heart of Horseshoe Bend. This fully furnished, turnkey 3-bedroom, 2-bath condo offers panoramic Main Channel views and effortless lake living. The property has been used as a short-term rental with a strong rental history. The open-concept layout features a spacious living area and bright kitchen with stainless steel appliances, breakfast bar, and ample cabinet space. The primary suite includes direct deck access, double vanity bath, and lake views. Two additional bedrooms offer flexibility for guests, family, or rental use. Enjoy the newly built cedar deck (2024) overlooking Lake of the Ozarks, ideal for morning coffee or sunset dining. This top-floor unit provides added privacy, natural light, and elevated views. Emerald Bay amenities include a newly renovated pool, tennis court with basketball hoop across from the unit, plus a second lakefront pool and clubhouse. Recent updates include HVAC (2022), refrigerator (2025), and newer roofs throughout the complex. Convenient to Bagnell Dam dining, shopping, and entertainment. Move-in ready for full-time living, weekends, or investment use.

116 Emerald Bay Drive Unit 3D, Lake Ozark
35 Casa Blanca Road Unit 2A, Lake Ozark
$184,900
2 Beds ⋅ 2 Baths ⋅ 3590279 MLS
Welcome to easy Lake living at the desirable Four Seasons Racquet Club! This beautifully updated 2-bedroom, 2-bath villa offers comfort, style, and flexibility in a fantastic Lake of the Ozarks location. Recent updates include stainless steel appliances, custom cabinetry, flooring, light fixtures, plumbing, electrical, and a newer HVAC system. A standout feature is the spacious four-season room, providing valuable additional living space and plenty of possibilities for a home office, game room, guest space, or additional sleeping area. Enjoy the convenience of being within walking distance of The Regalia Hotel and close to dining, entertainment, golf, boating, and everything the Four Seasons area has to offer. Whether you're searching for a full-time residence, weekend Lake getaway, or investment property, this villa offers an appealing combination of location, updates, and versatility. Low-maintenance Lake living with the space to make it your own—come see what makes the Four Seasons lifestyle so special! Be sure to check out the virtual tour for a bird's-eye view.

35 Casa Blanca Road Unit 2A, Lake Ozark
183 Upper Monarch Cove Unit 5 F, Lake Ozark
$400,000
3 Beds ⋅ 3 Baths ⋅ 3588704 MLS
Lake life is calling at Monarch Cove! This 3-bedroom, 3-bath lakefront condo offers the perfect combination of location, comfort, and convenience at the 2 MM of the Osage. Situated in an end-unit location, the open, single-level floor plan is designed for easy lake living with plenty of space to gather, relax, and enjoy your time at the water. Step outside onto the covered deck and settle into the Lake of the Ozarks lifestyle, whether you're enjoying a quiet morning or winding down after a full day on the water. Offered furnished and ready to enjoy, this condo also includes a 12x32 boat slip in the community docks, making it easy to start your lake adventures from day one. Monarch Cove features a community pool, adding another great place to relax and enjoy those summer days. Nightly rentals are allowed, giving buyers the flexibility to use the property as a full-time residence, lake getaway, or potential investment property. Located on Horseshoe Bend with convenient access to everything Lake Ozark has to offer, this is your opportunity to spend less time on upkeep and more time enjoying the Lake!

183 Upper Monarch Cove Unit 5 F, Lake Ozark
277 Bristol Bay Drive Unit 4B, Lake Ozark
$325,000
3 Beds ⋅ 2 Baths ⋅ 3590248 MLS
Discover lake living at its best with this beautifully updated 3 bed, 2 bath furnished condo at Lake of the Ozarks! This move-in-ready unit includes a 12x30 ft. boat slip and features numerous upgrades including updated living room flooring, kitchen cabinets, backsplash, tiled shower, HVAC, water heater, refrigerator, and dryer. The screened, tiled deck offers peaceful lake views—perfect for unwinding after a day on the water. The lakeside master suite features a private bath and walk-in closet for added comfort and convenience. Located at the 12 MM, you’re just minutes from some of the lake’s most popular attractions by land or boat. Bristol Bay is a well-maintained complex offering a lakeside pool, clubhouse, promenade, and fire pit. A garage is also available for additional purchase. Whether you're searching for a weekend retreat or full-time lake living, this condo is ready for you to start enjoying the lake lifestyle!

277 Bristol Bay Drive Unit 4B, Lake Ozark
Start Your Search
Listing information is provided courtesy of the Broker Reciprocity/IDX of Bagnell Dam Association of REALTORS® and Lake of the Ozarks Board of REALTORS®, Inc. Multiple Listing Services. Copyright 2026 Multiple Listing Service, Inc. of Bagnell Dam Association of REALTORS® MLS, Inc. and Lake of the Ozarks Board of REALTORS® MLS, Inc. Information is being provided for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information herein is believed to be accurate and timely, but no warranty as such is expressed or implied. 2026 Lake Keys, Powered by RE/MAX Lake of the Ozarks