Osage Beach Homes under $400,000

Welcome to Osage Beach, Missouri, a hidden gem nestled in the heart of the Ozarks! Known for its stunning waterfront views and vibrant community, Osage Beach is a paradise for nature lovers and water enthusiasts alike. With the shimmering Lake of the Ozarks as its backdrop, this charming city offers a perfect blend of relaxation and adventure, making it an ideal destination for families, retirees, and everyone in between.

Osage Beach boasts a rich history and a warm, welcoming atmosphere. Enjoy a stroll along the picturesque waterfront, where you can indulge in various recreational activities such as boating, fishing, and hiking. With an array of local shops, restaurants, and entertainment options, you’ll find plenty to do without straying far from home.

For those looking to invest in this beautiful area, Osage Beach offers a fantastic selection of homes priced under $400,000. Whether you're searching for a cozy lakefront cottage, a modern family home, or a charming retreat, you'll discover an array of options that cater to diverse tastes and budgets. These homes provide not just a place to live, but a lifestyle filled with outdoor activities and a close-knit community.

With its stunning natural beauty, vibrant local culture, and affordable housing options, Osage Beach is more than just a place to call home—it's a lifestyle waiting to be embraced. Explore the possibilities today and find your dream home in this enchanting lakeside community!

Newest Osage Beach Homes under $400,000

1442 Nichols Road Unit D203, Osage Beach

$165,000

1 Beds ⋅ 1 Baths ⋅ 3590531 MLS

Affordable lake living in the heart of Osage Beach! This walk-in level 1-bedroom, 1-bath condo at Heron Bay offers easy access with no steps and a convenient location at the 21 Mile Marker of Lake of the Ozarks. Enjoy your own private deck with the community pool just steps away, making it easy to spend your days relaxing at the Lake. Heron Bay offers a community dock, boat ramp, PWC accommodations, pool, tennis courts and more. Nightly rentals are allowed, giving buyers flexibility whether you're looking for a personal lake getaway, full-time retreat or investment opportunity. Conveniently located near Osage Beach shopping, dining, golf and entertainment, this condo puts you close to everything while still giving you the lake lifestyle you're looking for. A great opportunity to own at Lake of the Ozarks without the maintenance and price tag of a larger lake property.

1442 Nichols Road Unit D203, Osage Beach

$349,995

4 Beds ⋅ 3 Baths ⋅ 3590619 MLS

This one didn't just get an update- it got a complete reset & pumped full of NEW Life! Taken down to the studs & rebuilt with today's buyer in mind, this Osage Beach home delivers that "brand new" feel without the hefty price tag. Completely reimagined from the inside out & located in one of the area's most convenient in-town locations at end of a quiet street. Walking inside you'll find a fresh modern interior that is truly move-in ready. Featuring new double hung windows & sliders brighten entire space, premium 5' plank LVP flooring, large granite kitchen island, efficient HVAC & open concept floorplan for comfortable easy living. The main floor offers 3 beds & 2 full baths with floor to ceiling tile showers complemented by gold accents for an elevated look. The primary bedroom includes en-suite with its own access to expansive rear deck that spans the home & connects to kitchen. Lower floor gives flexibility of an additional living room, plus 4th bedroom, custom full bath, walk out door, finished garage with polished look & epoxy floor. Plus an oversized flat yard offers room to expand. If you've been waiting for home that is fresh & priced right, this is it! NOT FOR RENT.

1060 Park Lane, Osage Beach

1205 Land's End Parkway Unit 524, Osage Beach

$375,000

2 Beds ⋅ 2 Baths ⋅ 3590191 MLS

Welcome to Lands's End, one of the Lake’s most sought-after condo communities in the heart of Osage Beach! This beautiful 2-bedroom, 2-bath condo is truly TURNKEY and ready to enjoy from day one. Sold fully furnished, this unit makes the perfect lake getaway, investment property, or combination of both with an amazing rental history already established! Step outside to the spacious tiled deck and take in incredible main channel views—the perfect place for morning coffee, evening cocktails, and watching all the action on the water. Convenience is key with an elevator that takes you right to the unit’s door. The complete package includes a 14x40 boat slip in Community Dock D, Slip 18. Land's End offers fantastic amenities including pools, a lazy river, clubhouse, fitness center, security and beautifully maintained grounds. Centrally located by both land and water, you’re just minutes from everything Osage Beach has to offer. Fully furnished, incredible views, great rental history, and a large boat slip—this one has it all!

1205 Land's End Parkway Unit 524, Osage Beach

5940 Baydy Peak Road Unit 922, Osage Beach

$255,000

2 Beds ⋅ 2 Baths ⋅ 3590527 MLS

Imagine the possibilities at 5940 Baydy Peak #922, an opportunity for an immediate usability lakefront condo at the Knolls that is ready on day 1!. This updated 2-bedroom, 2-bathroom unit combines an open floor plan, thoughtful finishes and lake views at a premium location. Complete with a 10x24 boat slip plus lift, this charming unit is the path to personal enjoyment, weekend getaways, and/or hosting short term rentals. The fully remodeled kitchen features updated cabinetry, countertops, appliances, and LVP flooring. The open-concept layout connects the kitchen, breakfast bar, dining area, and living room while showcasing scenic views. The furnished covered deck features a custom railing designed for enjoying the view with coffee or cocktails. With five steps to the entrance, ample parking, and easy dock access, every arrival feels seamless. The Knolls resort style amenities - indoor and outdoor pools, clubhouse, playground, sports courts, boat ramp, and swim dock, add more ways to enjoy every visit. Set off KK at the 21-mile marker, the condo is also close to dining, shopping, golf, recreation and entertainment. Contact our team to schedule a tour to experience lake life here!

5940 Baydy Peak Road Unit 922, Osage Beach

5499 Three Seasons Road Unit E-12, Osage Beach

$224,900

2 Beds ⋅ 1 Baths ⋅ 3590494 MLS

Enjoy lake life with this beautifully updated end-unit condo located at the 21-mile marker of Lake of the Ozarks! This 2-bedroom, 1 full bathroom condo offers added privacy and extra natural light thanks to its desirable end-unit location. Recent updates include fresh paint, updated light fixtures, granite countertops, new flooring, and a stylish new bathroom vanity. Step out onto the large, covered deck and take in stunning main channel views while enjoying your morning coffee or evening sunsets. Boating enthusiasts will love the included 10x24 boat slip, making it easy to get out on the water all season long. Conveniently located within walking distance to Shorty Pants and just down the road from Redhead Lakeside Grill, you’ll be right in the heart of some of the lake’s best dining and entertainment. The community also offers a refreshing pool, perfect for cooling off on those hot summer days. Whether you’re looking for a weekend getaway, vacation rental opportunity, or full-time lake retreat, this condo is ready to be furnished to your style and enjoyed immediately!

5499 Three Seasons Road Unit E-12, Osage Beach

6500 Saint Moritz Court Unit M4, Osage Beach

$214,000

3 Beds ⋅ 2 Baths ⋅ 3590068 MLS

Experience the perfect blend of cozy charm and architectural design at St. Moritz on the Lake, located at the peaceful 26.5-mile marker of the Lake of the Ozarks. This 1,400-square-foot lakefront condo features 3 spacious bedrooms, 2 full bathrooms, and dramatic vaulted ceilings that fill the expansive living area with natural light, all anchored by a massive rock fireplace perfect for crisp lake evenings. The open layout flows seamlessly into a one-of-a-kind kitchen featuring a nostalgic retro twist with an immaculate, original avocado green stove and matching coffee pot. The private, oversized master suite serves as a true sanctuary, complete with its own vaulted ceilings, a floor-to-ceiling stone accent wall, and a generous walk-in closet. Step outside onto the huge private deck to enjoy elevated views overlooking the sparkling community pool paired with a relaxing partial water view of the main channel. Offered fully furnished (excluding artwork and staging props), this turnkey property is situated in a highly sought-after, low-density community that strictly prohibits Long-term rentals, guaranteeing a quiet, residential atmosphere.

6500 Saint Moritz Court Unit M4, Osage Beach

6005 Baydy Peak Road Unit 1001, Osage Beach

$229,900

3 Beds ⋅ 2 Baths ⋅ 3590243 MLS

Situated in the heart of Lake of the Ozarks at the 22 mm, you will love all this 3-bedroom, 2 full bathroom condo has to offer. Not only does this condo come Turn-Key, but it has main channel views and includes a brand new 12x28 ft. boat slip. From the moment you walk in you will notice the open concept living room, dining area, and kitchen. The screened in deck is the perfect spot to watch the action on the lake. The master bedroom has a wall of windows overlooking the main channel, its own private bathroom, and a walk-in closet. Two additional bedrooms and one additional bathroom gives your family or friends their own privacy. Being an end unit offers seclusion and privacy but offers an amazing view of the main channel. Breakwater Bay Club offers a lakeside pool, clubhouse, picnic area, playground, and tennis courts. It is centrally located close to some of the lakes best attractions such as restaurants, bars, shopping, groceries., entertainment and much more. The perfect location by both land and water. Be sure to schedule your showing Today!

6005 Baydy Peak Road Unit 1001, Osage Beach

611 Lazy Days Road Unit W11, Osage Beach

$345,000

2 Beds ⋅ 2 Baths ⋅ 3590451 MLS

Top floor, vaulted ceilings, fully updated, furnished and vacation rental ready at Lazy Days on the 3 mile marker of the Grand Glaize arm in Osage Beach. Unit W11 is a 2-bedroom 2-bath Lake of the Ozarks condo that has been done right with new LVP flooring, new stainless appliances, new quartz countertops, a stone fireplace and a large screened deck with storage closet is exactly where every lake day should end. The 12x30 boat slip is included and puts you on the water fast. Lazy Days is one of the best managed condo complexes on Lake of the Ozarks and it shows in one detail that matters more than most people realize. It qualifies for conventional financing which means your buyer pool stays broad, your resale value stays strong and buyers can purchase with standard loan terms instead of being forced into portfolio or cash deals like other complexes that do not meet the warrantable standard. Owners and guests can swim directly off the no wake cove dock, the State Park surrounds the complex so that setting never changes, the Shootout finish line is visible right from the property, and the nearly $500 million Oasis at Lakeport resort is just down the road. Vacation rentals Allowed.

611 Lazy Days Road Unit W11, Osage Beach

1388 Pelham Parkway Unit 1003-A, Osage Beach

$312,000

2 Beds ⋅ 2 Baths ⋅ 3589878 MLS

YOUR LAKE LIFE STARTS HERE! Discover your own slice of paradise at The Bronx on the Lake! Tucked away in a beautifully landscaped, gated community in the heart of Osage Beach, this 2-bedroom, 2-bath condo offers the perfect blend of comfort, convenience, and relaxation. Forget the crowded mega-complexes and enjoy a more peaceful Lake experience! With just 6 steps to the entrance, getting in and out is a breeze. Inside, you'll love the updated kitchen featuring solid countertops and gorgeous cabinetry, along with two beautifully remodeled bathrooms. The primary suite features a walk-in shower, and the screened-in deck is the perfect spot for morning coffee or evening cocktails. Ready to cool off? One of the Lake's largest pools is just steps from your deck, plus there's a second heated pool nearby! And here's the cherry on top: a 10x30 boat slip included! Bring your boat, pack your bags, and start making Lake memories. This one is ready for you

1388 Pelham Parkway Unit 1003-A, Osage Beach

$319,900

3 Beds ⋅ 2 Baths ⋅ 3590319 MLS

You want a house with a country like setting and privacy in Osage Beach then you need to come see this 3 bedroom, 2 bath home. It is one level living with tall ceilings. Updated wood look tile flooring. The fenced back yard perfect for the kiddos, pets and entertaining. Large kitchen with pantry is right off the garage for easy unloading of groceries. The two car garage is oversized and heated with an epoxy floor and lots of shelving for storage. The master suite is a retreat with heated bathroom flooring and rainfall showerheads. The patio area at the front entry is warm and inviting and there's plenty of parking for family and friends, too! This is a great home with a location that cannot be beat close to restaurants, shopping, entertainment and the hospital. You'll want to put this on the top of your list to see.

1127 Paradise Lane, Osage Beach

$249,900

3 Beds ⋅ 2 Baths ⋅ 3590184 MLS

Enjoy a front-row view of the Lake of the Ozarks Shootout finish line from this second-tier condo overlooking the 2-mile marker of the Grand Glaize Arm! With Lake of the Ozarks State Park across the water, the gorgeous lake view is protected. This 3-bedroom, 2-bath condo offers 1,275 square feet, comes partially furnished, and includes a jet ski slip. New decks and deck railings were installed this year, giving you a fresh place to take in the view. The complex offers a community pool, trailer parking, a playground, and a tennis/pickleball court. Nightly rentals are not allowed, contributing to the peaceful setting, and there are no pending special assessments.

889 Malibu Road Unit 152, Osage Beach

$349,900

3 Beds ⋅ 3 Baths ⋅ 3590312 MLS

You really can have it all with this beautifully updated 3-bedroom, 2.5-bath home offering the perfect combination of space, privacy, and convenience in the heart of Osage Beach! Situated on a private 1-acre corner lot, this home features a large, functional floor plan with hardwood floors, vaulted ceilings, fresh paint, and plenty of room to spread out. The updated kitchen showcases new cabinetry, chevron butcher block countertops, and stainless steel appliances, while the remodeled bathrooms feature new vanities and tiled showers. A spacious 2-car garage offers additional room for a workshop or storage. Outside, enjoy the large deck, paver patio, and fenced backyard surrounded by privacy. Major improvements include freshly painted siding, newer HVAC and water heater, new windows, gutters, and crawl space encapsulation. With extensive updates, a great lot, and an unbeatable Osage Beach location, this one checks all the boxes. Schedule your showing today!

1114 Oak Road, Osage Beach

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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