Quick answers to what buyers ask us most. Don’t see your question? Call or text 573-480-0117.
Buying
Who is selling these lots?
Black & White Land owns every lot on this site and sells it directly. You deal with the owner. There are no agents and no commissions. One exception is the 54-acre MCM tract, which is listed with an agent; its listing says who to call.
How do I buy a lot?
Pick a lot, send an offer from the Make an Offer page or call or text us, sign a purchase agreement, and close through a title company. When you close, the lot is yours. The full steps are in How to Buy a Lot at Lake of the Ozarks.
Can I buy more than one lot?
Yes. Tap Save this lot on each listing you like, then send one offer for all of them from the Make an Offer page. Our Neighboring Lots page lists lots that touch each other. In Four Seasons, an owner can replat up to three side-by-side lots into one with Board approval.
What does Coming Soon mean?
A Coming Soon lot closes in 1 to 3 months instead of right away. Call or text to ask about one.
Do you offer owner financing?
Not at this time. Call or text if you want to talk about terms on a specific lot.
Can I go look at a lot before I buy?
Yes. Every listing has an aerial photo with the lot lines drawn and a map link, so you can drive to it. You can also see every lot on our lot map. Call or text 573-480-0117 if you want help finding one.
How do I hear about new lots first?
Sign up for new lot alerts and we will email you when a lot goes up.
Neighborhoods, POA and dues
Where are the lots?
Around the Lake of the Ozarks in Camden and Miller counties, Missouri. Areas include Horseshoe Bend, Porto Cima, Camelot Estates, Tahoe Lake Estates and rural no-POA land.
Which lots have a POA?
Horseshoe Bend and Porto Cima are in the Four Seasons Property Owners Association. Camelot Estates has a POA. Tahoe Lake Estates, rural tracts and some small older subdivisions have no POA. Every listing says which one applies. More in POA or No POA.
How much are POA dues?
The 2026 Four Seasons assessment for an undeveloped lot is $460 a year on Horseshoe Bend and $560 a year on Shawnee Bend (Porto Cima). No-POA land has no association dues. Property taxes are billed by the county.
Can I park a camper or RV on my lot?
In Four Seasons, RVs, boats and trailers on an occupied lot must be kept inside an enclosed garage. No-POA land has no association rules, but county zoning still applies. Call or text and we will tell you what applies to a specific lot.
What school district is the lot in?
Every listing shows the school district. Most Camden County lots we sell are in Camdenton R-III; Horseshoe Bend lots are in School of the Osage R-II.
Utilities and building
Is it septic or sewer?
It depends on the neighborhood. Horseshoe Bend has public water and an engineered septic system. Porto Cima has public water and community sewer. Camelot Estates has public water and public sewer. Tahoe Lake Estates uses an engineered septic system. Miller County tracts use a private well and septic. Every listing shows its utilities. More in Septic or Sewer?.
What do water and sewer hookups cost?
In Porto Cima, 2026 PWSD #4 connection fees for a standard 3/4-inch meter are $8,387 for water and $9,217 for sewer. On Horseshoe Bend the water connection is the same $8,387. Trenching, the service line and any grinder pump are extra.
What do I need before I build?
Camden County requires a septic permit for lots under 3 acres and for lots on the lake, after a soil evaluation. In Four Seasons, the Architectural Control Committee approves plans in writing before any work, including tree removal. Call Missouri 811 at least 3 working days before you dig. See Building on a Four Seasons Lot.
Do the lots have a lake view?
Each listing says whether the lot has a lake view, a seasonal lake view (when leaves are off neighboring trees), or a lake view after clearing.
Do you have small parcels?
Yes. Small pieces that work for adding onto a neighboring lot are in Odds and Ends.
Ready to look? Browse all lots, see them on the lot map, or call or text 573-480-0117.