Waterfront home buyers
Compare your budget, preferred area, dock needs and winter water questions.
Find my waterfront home →YOUR LAKE SEARCH STARTS HERE
What brings you to the lake?
Compare lake communities →HOLLY GARST · LAKE OF THE OZARKS REAL ESTATE
Lake of the Ozarks real estate.
Your smarter move.
Your Lake of the Ozarks Realtor for waterfront homes, condos, buying and selling.
SMARTER MOVE REAL ESTATE GROUP POWERED BY OZARK REALTY
HOLLY GARST / REALTOR®ABOUT ME / STRATEGY MEETS LAKE LIFE
Corporate precision.
Personal connection.
I'm Holly Garst. I help buyers and sellers make informed moves at Lake of the Ozarks.
Before real estate, I worked in operations and supply chain leadership at Caterpillar. That experience shaped how I approach a move: listen carefully, examine the numbers, anticipate the details, and keep the process moving.
Today I combine that analytical approach with sales, marketing, and technology experience to help you compare properties, understand ownership costs, and tell your home's story. From a waterfront retreat to a condo or your next full-time home, the search starts with how you want to live.
A lifelong tech enthusiast, I’m fascinated by robotics and emerging AI technologies and how they reshape the way we work and play. Around the lake, you might recognize my bright blue Cybertruck, “CyberNova”—a little futuristic flair for a Realtor who’s always looking ahead.
Smarter Move Real Estate Group · Powered by Ozark Realty
Missouri real estate license #2026007667
HOLLY GARST / YOUR NEXT CHAPTER
One lake.
Your kind of life.
Start with what brings you here. I’ll help you work through the details that get you there.
01 / BUYFind your
Find your
place at the lake.
Waterfront, condos, and room for your next chapter.
Explore lake property ↗
02 / SELLMake your
Make your
next move count.
Start with your property's details and a local market conversation.
What’s my home worth? ↗
03 / INVESTSee beyond
See beyond
the asking price.
Rental rules, ownership costs, and a plan built around your goals.
Explore investor resources ↗WATERFRONT HOMES ↗ CONDO LIVING ↗ INVESTMENT POSSIBILITIES ↗ ROOM TO ROAM ↗
SELLER LISTINGS / HOLLY GARST
My Listings
Holly’s listing and co-listing properties reported active in public MLS-derived records. Checked November 8, 2026. Availability and price are subject to change.
Active · Holly Garst co-listing
$649,900
106 Buck Deer Lane
Camdenton, MO 65020
Lake-access home
4 bedrooms · 3,639 sq ft · 0.64 acres
Updated home with a finished walkout lower level, lake views and community lake access.
Listed by Annamarie Hopkins & Holly Garst · Ozark Realty
MLS 3589683
Status checked November 8, 2026
Request a Showing ↗
Active · Holly Garst co-listing
$179,900
35 Casa Blanca Court #2A
Lake Ozark, MO 65049
Condo / villa
2 bedrooms · 2 bathrooms · 1,530 sq ft
Updated villa at Four Seasons Racquet Club with a spacious four-season room.
Listed by Annamarie Hopkins & Holly Garst · Ozark Realty
MLS 3590279
Status checked November 8, 2026
Request a Showing ↗
Active · Holly Garst co-listing
$240,000
1301 Alcorn Hollow Road
Roach, MO 65787
Waterfront land
1.30 acres · Waterfront
Waterfront acreage in a quiet cove with a private dock and boat lift reported in the listing.
Listed by Annamarie Hopkins & Holly Garst · Ozark Realty
MLS 3589505
Status checked November 8, 2026
Request a Showing ↗Smarter Move Real Estate Group, powered by Ozark Realty. Ask Holly for current disclosures and showing options.
FIND YOUR FIT / LAKE PROPERTY COLLECTIONS
Your priorities.
Your lake search.
Start with what matters most. Explore the featured previews or ask Holly for a current MLS shortlist matched to your plans.
Waterfront homes by price
Compare the home, water location and dock alongside your budget. Ask whether the dock, lift and furnishings are included.
Price buttons filter the limited featured previews below, not the entire MLS. Range boundaries may overlap.
Request my waterfront shortlist →Rental-friendly condos
Find a condo that fits your personal use and rental plans. Check minimum stays, rental caps, management requirements and applicable local rules.
Written rule verification required
Current reference communities are not yet verified for rental eligibility. Listing remarks alone do not establish permission.
Request a rule-checked shortlist →Condos with boat slips
The boat needs a fit, too. Compare slip width × length, lift capacity, approach clearance and water depth at a stated lake elevation.
Each shortlist should identify whether the slip is included, separately priced or leased, with separate dues and transfer terms.
Find a condo for my boat →Fewer steps. Easier access.
Look beyond “walk-in.” Check the route from parking to the front door, bedrooms, outdoor living and dock.
- Actual step counts and slope
- Main-level bedroom and bathroom
- Driveway grade and parking
- Elevator route and dock access
“Walk-in” does not establish step-free access. Match property details to your individual needs.
Request an easier-access search →Cove or main channel?
Cove setting
May offer shelter from some main-channel wakes and a more enclosed setting. Cove size, orientation, traffic and nearby businesses change the experience.
Check: approach depth, winter water, boat turning room and weekend activity.
Main-channel setting
May offer broader views and direct access to the main boating corridor. Exposure to wind, wakes and passing boats varies by location.
Check: dock protection, maintenance needs, swimming conditions and outdoor comfort.
Neither label guarantees quiet water, year-round depth or dock suitability. Visit at different times and verify conditions for the specific property.
Find my kind of waterfront →EXPLORE / FIND YOUR LAKE CONNECTION
A place for every
version of you.
Compare areas through the details that matter to you: the route home, the water, and the way you want to spend your time.
LAKE OF THE OZARKS, MISSOURILAKE OZARK
Start with your connection to the lake.
Compare lake access, your everyday drive, and the features you want nearby. Bring your must-haves and we’ll build a property search around them.
- Lake access & dock details
- Route to everyday stops
- Home versus condo ownership
Area inspiration and search planning. Property availability, association rules, and amenities vary by address.
THE HOLLY GARST APPROACH
Big-picture thinking.
Personal attention.
My operations, sales, and marketing background shapes how I work: understand the goal, examine the details, and keep the next step clear.
Let’s talk about your next move ↗Start with your life.
Define how you’ll use the property, what matters most, and what a comfortable move looks like for you.
Get clear on the details.
Compare price, condition, water access, ownership costs, and the documents behind the listing.
Build the next step.
Bring the search, sale preparation, or due diligence questions into a practical plan we can work through together.
SELL SMART / FREE LOCAL MARKET ANALYSIS
What could your
lake home sell for?
Start with your address. Holly will review relevant local comparisons and the details that make your property different.
01 / YOUR PROPERTY
Personally reviewed by Holly. This is a request for a comparative market analysis, not an instant automated valuation or appraisal.
Advanced: analyze comparable data you already have
EXPLORE / BY LAND & WATER
Your address.
Your side of the lake.
Enter an address. Find nearby food, fuel and mile markers. Compare road and water distances.
Search an address or select “Set address pin” and tap the map.
Food, fuel and marker results will appear after you select a starting point.
Yellow · address & mile markersGreen · foodOrange · fuelYellow route · drivingBlue route · water estimate
Water routes are planning estimates. Confirm dock access and current lake conditions.
Distance estimates & data sources
Water distances follow a 40-meter grid within mapped lake boundaries, starting and ending at nearby water points. Shore-to-dock access, water depth, hazards, seasonal water levels, bridge clearance and no-wake zones are not verified. These are planning estimates, not navigation instructions. Boat times assume constant speed and exclude stops and no-wake delays. Road routes exclude live traffic. Nearby sorting uses straight-line proximity, not shortest driving or boating distance. Fuel type, hours and availability require confirmation with the business.
Map © OpenStreetMap contributors. Address lookup: Photon / OpenStreetMap. Driving: OSRM. Lake boundary: Missouri DNR. Mile markers: Ameren UE / MO DNR / OGI via Missouri SEMA public GIS. Business and GIS snapshots retrieved October 16, 2026. Address searches are sent to the address service; location is requested only when you select “Use my location.”
THE SMARTER LAKE MOVE / OCTOBER 2026 EDITION
A better move starts
with better questions.
Your Lake of the Ozarks Market & Ownership Guide.
Pricing comparisons. Docks and water depth. Condo fees and assessments. Rental due diligence. Seller preparation. A practical guide to the decisions that matter before you buy or sell.
Want numbers for your property type, price range, or cove? Ask Holly for a tailored market update. The guide's dated city snapshot is not a lake-wide valuation.
HOLLY GARST / SMARTER MOVETHE
THE
SMARTER
LAKE MOVE.
MARKET + OWNERSHIP GUIDE
BUY WELL. SELL SMART. LIVE THE LAKE.LAKE LIFE / IN MOTION
This is what
the lake feels like.
Lake-life video highlights. Use the pause controls to stop motion, or select a clip for playback controls. Contact Holly for an alternate description of any clip.
Made for lake days, home tours, and your next chapter.
03 / THE LAKE JOURNAL
A little local knowledge.
A smarter next step.
Fresh perspectives on buying, selling, and making the most of lake living.
Loading the latest from the lake…
Before you buy: define your lake life +
Think beyond bedroom count. Consider how you will use the property, how much maintenance you want, your parking needs, and your preferred boating access. Share your priorities with Holly to build a focused search.
Before you sell: build a property story +
Gather your updates, utility information, association documents, and the details that make your home stand out. A tailored pricing and marketing discussion starts with your property's condition, competition, and your timing.
Investment search: ask better questions +
Request documented rental history when available, and examine operating costs, association rules, maintenance, and management needs. Rental permissions and income must be verified for each property.
LIVE HERE / PLAY HERE
LOCAL EVENTS.
Find your next reason to get out and enjoy the lake. Browse upcoming community gatherings, arts, markets, and local happenings.
No matching events in this selection. Try another month, category, or date range.
Selected dates checked October 16, 2026 · Source: Lake of the Ozarks Convention & Visitor Bureau / FunLake. This is a dated selection, not an automatically synchronized feed. Times and admission details were not supplied. Confirm arrangements with the venue.
MORE THAN AN ADDRESS
Make every day
a lake day.
01 / EXPLORE
On the water ↗
Find boat rentals, marinas, and ways to spend the day afloat.
02 / EXPLORECast a line ↗
Browse fishing guides, bait shops, and fishing boat rentals.
03 / EXPLOREExplore outside ↗
Make room for fresh air and outdoor adventures between lake days.
04 / EXPLOREMake a family day ↗
Explore caves, water parks, miniature golf, and local attractions.
05 / EXPLOREPlay & unwind ↗
Explore golf, shopping, and spa options for a slower-paced getaway.
06 / EXPLOREMeet around the table ↗
Discover dining options and plan an evening out.
PLAN YOUR VISIT
Your official lake getaway guide.
Explore places to stay, dining, and activities with the CVB's Vacation & Service Guide. View the guide online or request a mailed copy through FunLake.
Activity directories and visitor guide provided by FunLake / Lake of the Ozarks CVB.
BUY WITH A PLAN
A smarter look
at lake investing.
Compare the property, the ownership costs, and the rules before you compare the return. Start with Holly's investor reference guides.
2026 / OWNER-SUPPLIED ANALYSIS
Lake STR market overview
Explore town and mile marker comparisons, seasonality, and questions to ask about a rental property.
View full guide ↗
CONDOS / DUE DILIGENCE
Condo investor guide
Review a condo shortlist alongside HOA costs, reserves, rental rules, slips, and amenities.
View full guide ↗
INVESTMENT PROPERTY / PLANNING
1031 exchange guide
An introduction to exchange planning and the questions to take to your qualified intermediary and tax adviser.
View full guide ↗Run the whole ownership picture.
RevenueRequest documented rental history and compare conservative scenarios for occupancy and nightly rates.
ExpensesInclude HOA dues, assessments, taxes, insurance, utilities, management, maintenance, and reserves.
PermissionConfirm rental eligibility, minimum stays, local requirements, dock rights, and association documents.
These uploaded guides are educational reference materials. Market estimates, rankings, and projected returns are not independently verified live data or guaranteed results. Confirm current property rules and financial assumptions; review exchange eligibility with your tax adviser and qualified intermediary.
KNOW YOUR SIDE OF THE LAKE
MLS areas.
Mile markers. Local insight.
YOUR LAKE REFERENCE DESK
Get oriented before you tour.
Use the supplied map to explore MLS area letters, communities, and mile markers. Pair it with the fire district maps when reviewing a specific property.
Open MLS & mile marker map ↗View fire district maps · PDF ↗Explore the interactive community map ↗Boating directory & mile markers ↗
Reference maps supplied by Holly. MLS area letters, mailing cities, fire districts, and lake mile markers describe different boundaries. Confirm a property's service district directly. These maps are not for navigation.
NEW / OCTOBER 17, 2026
Buying the Lake House? Get to Know the Dock First.
Compare dock systems, understand Ameren permits and seawalls, and prepare for winter drawdown. Includes a one-page guide and buyer checklist.
Read the dock ownership blog and guide →
WATERFRONT / WINTER WATER
The Lake Has a Winter Waterline
Understand seasonal drawdown, lake elevation versus dock depth, and what to check before winter or a waterfront purchase. Includes Holly’s contact details and QR code.
View the one-page guide ↗Read the mobile-friendly article ↓
WATERFRONT / OWNERSHIP
Dock transfer guide
Keep dock permits, transfer paperwork, and electrical inspection questions on your purchase checklist. Confirm current requirements with Ameren and the applicable fire district.
View full guide ↗
LOCAL CONNECTIONS / 2026
Holly’s trusted lake vendor guide
Find the supplied contact reference for home services, lake property care, and transaction support. Confirm availability and details directly with each provider.
View full guide ↗YOUR WATERFRONT INFO HUB
Did you know? The Lake has a winter waterline.
Your summer shoreline can look very different in winter. Drawdown is the planned seasonal lowering of the lake through Bagnell Dam operations.
Fall
About 658 ft
Jan–mid-Feb
Toward 654 ft
Mid-Feb–Apr 1
Near 654 ft
Spring
Gradual rise
These are seasonal guidelines, not guaranteed levels or dates. Weather, upstream releases and dam operations can change actual levels. Ameren’s guide also shows a brief late-December rise toward 659 ft.
654 feet is lake elevation—not the water depth under your dock.
Why lower the lake?
To create room for spring inflows and help reduce spring flooding risk. A lower winter shoreline alone does not establish drought. More shoreline may be exposed, coves become shallower, and floating docks move lower with the water.
Prepare before levels fall
- Have a dock professional check cables, anchors and flotation.
- Have an electrician inspect the dock and power.
- Secure furniture, ladders and toys.
- Check boat, lift and access clearance.
- Arrange checks while you are away.
- Watch for hazards and verify shoreline permits.
Buying waterfront? Ask about winter water.
Request slip and approach-route depths, the lake elevation when measured, and the dock’s history during prior drawdowns.
Ask Holly about waterfront buying View the illustrated one-page guide ↑
Source: Ameren Missouri Lake Level Guidelines (Appendix F), Dock Requirements & Safety, and Lake Level Reports, as cited in the supplied guide dated October 17, 2026. Independent summary; not affiliated with Ameren. Seasonal targets are not a depth forecast.
04 / YOUR LAKE CONNECTIONS
Good people.
A smoother move.
Need help assembling your team? Ask for introductions based on your property, location, and goals.
01 / FINANCING
Lending connections ↗
Discuss financing options with a lending professional.
02 / DUE DILIGENCEInspection & title ↗
Find resources for your next transaction.
03 / LOCAL EXPERTISEHome & lake services ↗
Connect with services for your property needs.
04 / WORK TOGETHERBecome a local partner ↗
Introduce your business and how you serve lake clients.
CLIENT REVIEWS / HOLLY GARST
Your experience.
In your words.
Have we worked together on your lake move? Share an honest review of your experience to help future buyers and sellers get to know Holly.
Leave a review on Zillow ↗05 / LET'S MAKE YOUR NEXT MOVE
More lake.
Less guesswork.
Buying, selling, investing, or just figuring out where to start? Tell me a little about your plans.
Holly GarstSmarter Move Real Estate Group
Powered by Ozark Realty
Call 309-361-8205 · Text Holly
1165 Bagnell Dam Blvd, Lake Ozark, MOholly@asmartermove.com
Missouri real estate license #2026007667
Serving Lake Ozark, Osage Beach, Camdenton, Sunrise Beach, Four Seasons and Porto Cima.
Your information will be used to respond to your request. Please do not send financial documents or sensitive account information through this form.
THE LAKE MARKET, MONTH BY MONTH
See what the numbers say.
Explore live MLS trends for sale prices, closed sales, inventory, days on market, supply and sale-to-list price.
Explore the monthly market dashboard ↗InfoSparks · Entire MLS · Monthly reporting
FOLLOW ALONG / HOLLY AT THE LAKE
A little real estate.
A lot of lake life.
Your next lake obsession starts here.
Property tours, behind-the-scenes moments, and life at Lake of the Ozarks. Follow Holly on your favorite platform or browse the social hub.
Watch the latest from Holly ↗