Well-maintained lakefront home located at the 38 Mile Marker of the Osage Arm at Lake of the Ozarks. This 3,005 sq ft, two-story property offers a functional layout for full-time living or a vacation retreat. The main level features 2 bedrooms, including an oversized master suite, 1.5 bathrooms, a kitchen, dining area, family room, and main-level laundry. Enjoy the large covered deck with lake views. The lower level includes 2 bedrooms and 2 full bathrooms, including one ensuite, a spacious family room, and an oversized bar area with potential for a second kitchen, along with walk-out access to a covered patio. The home sits in a large protected cove offering calm water, ideal for enjoying time on the dock. The exterior features minimal steps to the dock (approximately one step) and a detached 2-car garage. The private dock includes a 12x36 slip, swim platform, and electrical that has passed inspection. A pre-listing inspection has been completed with nearly all items addressed. This property offers an ideal setup for multi-family use, entertaining, or rental potential, with convenient access by water and road.