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SELLER OFFERING $5K FOR INTEREST RATE BUYDOWN OR TOWARDS CLOSING COSTS! DON’T MISS OUT ON THIS TOTAL LAKE PACKAGE- Furnished 4-bedroom, 4-bath penthouse at the 14 MM on Horseshoe Bend close to the best restaurants, shopping and recreation. Panoramic main-channel views take center stage from the expansive 48-foot screened deck. This premier floor plan features an open kitchen/dining/living area, while 4 spacious bedrooms—including 3 ensuite retreats—are thoughtfully positioned in opposite corners. This exceptional lake package includes 2 large storage units, a rare and highly sought-after 18' x 52' cruiser slip, plus an 18' x 12' slip with PWC lift in a protected cove. Amenities include 2 pools & tennis/pickleball court. HOA fees/reserves are fully funded and cover WATER, SEWER, TRASH, CABLE, INTERNET, BOAT SLIPS WITH WIFI, MASTER BUILDING INSURANCE, ROAD/GROUND MAINTENANCE, and RESERVES. Recent community updates include new roofs, pool resurfacing, pool furniture and major landscaping. Updates (see complete list) include granite counters, oven, washer/dryer, HVAC, water heater, LVP flooring, deck carpet, water filtration system, faucets, and paint.

Highlights

  • Residential
  • Condominium
  • Built in 1998
  • $1,015/mo HOA
  • Waterfront
  • 1 day on Market

  • Bedrooms
    4
  • Bathrooms
    4
  • Year Built
    1998
  • Parking Features
    No Garage, Paved, Open
  • Living Area
    2261.0
  • Interior Features
    Ceiling Fan(s), Walk-In Closet(s), Pantry, Tray Ceiling(s), Coffered Ceiling(s)
  • Appliances
    Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range, Disposal, Cooktop, Water Softener Owned
  • Flooring
    Tile, Vinyl
  • Furnished
    Furnished
  • Exterior Features
    Storage, Tennis Court(s), Boat Slip
  • Patio And Porch
    Covered, Deck, Screened
  • Pool Features
    Community
  • Security Features
    Fire Sprinkler System, Security Service
  • Cooling
    Ceiling Fan(s), Central Air
  • Heating
    Electric, Heat Pump

  • Lot Features
    Waterfront
  • Water Front Features
    Seawall, Lake Privileges
  • Water Front
    Yes
  • Utilities
    Cable Available
  • Water
    Public

  • Area
    A
  • County
    Camden
  • City
    Lake Ozark
  • Neighborhood
    Emerald Bay Condominium
  • Zip Code
    65049

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Frequently Asked Questions

How do I schedule a tour of 72 Emerald Bay Dr #3 C?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 72 Emerald Bay Dr #3 C.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 72 Emerald Bay Dr #3 C?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 4 bath, listed for $625,000. We can talk through recent upgrades, potential seller motivation, how this condominium compares to others in Lake Ozark, and can even get you in to see the property quickly.

How do I get a virtual tour of 72 Emerald Bay Dr #3 C?

Yes! A virtual tour is available for 72 Emerald Bay Dr #3 C. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 72 Emerald Bay Dr #3 C?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 72 Emerald Bay Dr #3 C at around $3,746. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 72 Emerald Bay Dr #3 C?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Camden County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 72 Emerald Bay Dr #3 C?

In most cases, yes. Whether 72 Emerald Bay Dr #3 C is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Lake Ozark's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 72 Emerald Bay Dr #3 C?

We can handle that for you. Our preferred local agent specializes in residentials in Lake Ozark and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $625,000 with 2,261 sqft of space—that comes out to approximately $276 per square foot.

How long has this property been on the market?

72 Emerald Bay Dr #3 C was listed on November 10, 2026, which means it's been on the market for 1 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1998, making it approximately 28 years old.

What are the property taxes for 72 Emerald Bay Dr #3 C?

The most recent public record shows annual property taxes for 72 Emerald Bay Dr #3 C were approximately $2,273. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $1,015 paid monthly.

This covers access to community features including: Cable TV.

Is 72 Emerald Bay Dr #3 C still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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The data relating to real estate for sale on this website comes in part courtesy of the Broker Reciprocity/IDX Programs of the Multiple Listing Services of Lake of the Ozarks Board of REALTORS® Inc. and Bagnell Dam Association of REALTORS®. Real estate listings held by brokerage firms other than ReeceNichols Real Estate are governed by MLS Rules and Regulations and detailed information about them includes the name of the listing companies. The information being provided is for consumers' personal, non-commercial use and will 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. Information deemed reliable but not guaranteed. Copyright © 2026 Lake of The Ozarks BOR and Bagnell Dam AOR. All Rights Reserved.