Rocky Mount Homes under $500,000

Welcome to Rocky Mount, Missouri – a hidden gem nestled in the heart of the Ozarks! This picturesque city is known for its stunning natural beauty, friendly community, and a relaxed lifestyle that invites residents to enjoy the great outdoors. With its proximity to the sparkling waters of the Lake of the Ozarks, Rocky Mount offers a unique blend of small-town charm and recreational opportunities that make it an ideal place to call home.

For those seeking affordable housing options, Rocky Mount boasts a variety of homes priced under $500,000. Whether you’re a first-time homebuyer, looking to downsize, or searching for a vacation retreat, you’ll find an array of properties that cater to your needs. From cozy cottages with lake views to spacious family homes, the real estate market here is diverse and inviting.

The community is not only welcoming but also vibrant, with local shops, restaurants, and outdoor activities that foster a strong sense of belonging. Imagine spending your weekends exploring the scenic trails, fishing on the lake, or enjoying community events that bring neighbors together.

In Rocky Mount, you can embrace a lifestyle that balances tranquility and adventure, all while staying within a budget. With homes under $500,000, you can invest in a property that suits your lifestyle without compromising on quality or location. Discover the charm of Rocky Mount and find your dream home today!

Newest Rocky Mount Homes under $500,000

31331 Northshore Drive Unit 206B, Rocky Mount

$260,000

2 Beds ⋅ 2 Baths ⋅ 3590503 MLS

Lakefront living with NO STAIRS to the front door, an amazing lake view, and a 10x24 boat slip & PWC slip included! This 2 bedroom, 2 bathroom walk-in level condo at Northshore Condominiums was completely remodeled in 2023 and offers a true move-in ready Lake getaway. The updated kitchen features quartz countertops, stainless steel appliances, modern cabinetry, and an open layout flowing into the main living area. The primary suite showcases beautiful lake views along with an Onyx walk-in shower with glass doors and matching vanity top. LVP flooring, updated vanities, fixtures, HVAC, and water heater are among the improvements throughout the condo. The bedroom furniture is included, and most of the furniture is negotiable. As an end unit, you'll enjoy added privacy along with a lake view deck that's perfect for relaxing and taking in the view. Enjoy convenient access to the dock and lakefront community pool, along with blacktop roads all the way to the condo and trailer parking within the complex. Additionally, both the front and lakeside decks were replaced last year. With the remodel already complete, simply start enjoying everything Lake of the Ozarks has to offer!

31331 Northshore Drive Unit 206B, Rocky Mount

Courtesy of RE/MAX Lake of the Ozarks (573) 302-2300

$450,000

3 Beds ⋅ 1 Baths ⋅ 3590333 MLS

Stunning Lake of the Ozarks lakefront retreat offering unparalleled privacy, deep water, & breathtaking water views! Nestled on lakefront lot with 200 ft of waterfront is a rare find. The shoreline is protected by a natural stone seawall. Included is a 2-well boat dock, ready for all your watercraft and summer adventures. Step inside to a bright, open-concept living space highlighted by dramatic vaulted ceiling & expansive windows that flood the home with natural light. The flexible layout features 1 bath & 3 BR, one is a spacious loft. Entertaining is effortless on the huge lakeside deck, featuring both open sun-drenched areas and a large covered section for shading on warm summer days. Located in a desirable subdivision with its own community boat ramp, access to the water is incredibly convenient. Optional 2nd lakeview lot available for purchase! This additional lot features a highly desirable metal storage building, perfect for storing trailers, side-by-sides, lake toys, or extra vehicles. Properties with this much acreage, deep water, and premier shoreline are few and far between. Dreams to Reality~call today!

16676 Lucky Point Lane, Rocky Mount

Courtesy of RE/MAX Lake of the Ozarks (573) 302-2300

$250,000

3 Beds ⋅ 2 Baths ⋅ 3590540 MLS

Seriously generous pricing for the new owner!! This 3 bedroom condo is priced like 2 bedroom condos with smaller boat slips! For the buyer who wants the best deal as much as the right condo. Trade the ordinary for island living, where you’re surrounded by water, fueled by sunshine, and your toughest decision is pool day, lake day, or both. Spend your mornings sipping coffee on your screened east-facing deck, and afternoons at the pool or on the water. After a full day of lake fun and sun, come back to a space that’s comfortable, updated, and ready to gather, featuring granite countertops, durable waterproof LVP flooring, and a layout that makes it easy to relax and recharge. Everything here is designed to make lake life effortless, from designated parking, and elevator access to the lakeside pool and docks. Your 14x36 boat slip is positioned in the calmer waters of the cove side. You can even keep an eye on your boat right from the unit. Whether it becomes your friends-and-family escape, your full-time retreat, or an investment as short-term rental income, lake days will turn into lasting memories. What an incredible price!! VACANZA!

60 Knox Road Unit Z204, Rocky Mount

Courtesy of RE/MAX Lake of the Ozarks (573) 302-2300

$309,000

3 Beds ⋅ 2 Baths ⋅ 3590551 MLS

Experience lake living at its finest and even increase the bank account. This unit has proven to be an excellent income producing investment. Or simply reserve it for quality time with family & friends. Imagine waking up to a breathtaking, panoramic lake view from the bedside of this beautifully furnished 3-bedroom, 2-bath lakeside condo. Perfect as a full-time residence, weekend retreat, or investment property, this move-in-ready getaway offers comfort, convenience, and resort-style amenities. You'll relax on the spacious covered deck taking in the cool lake breeze while you capture the view of boats below. Or maybe you prefer to cozy up inside by the fireplace after a day on the lake. The open floor plan is designed for easy entertaining, just open the slider and take the party outdoors to watch the sunset. It's a perfect full-time residence, weekend retreat, or investment property, this move-in-ready getaway offers comfort, convenience, and resort-style amenities. The seller is offering it fully furnished, including the boat slip— so just grab a fishing pole and your swimsuit!

64 Knox Road Unit N205, Rocky Mount

Courtesy of Spouses Selling Houses Realty (573) 302-2313

$250,000

2 Beds ⋅ 1 Baths ⋅ 3590280 MLS

This beautiful 2nd-tier lake home sits on over half an acre, offering a peaceful, secluded feel while being just steps from your private lakefront lot and dock! Recent renovations have transformed the home into a 3-bedroom, 1-bath retreat with plenty of additional potential. A private concrete drive leads to the home with ample parking, plus a 20x25 carport with a concrete pad. Located in the peaceful, no-wake waters of Lick Branch Cove, your private dock provides the perfect spot for swimming, fishing, boating, and enjoying everything Lake of the Ozarks has to offer. The finished lower-level walkout adds valuable living space and flexibility. Plumbing is already in place for a second bathroom. The home is equipped with a full Ring security system and has been professionally set up for Airbnb operations, making this a turnkey opportunity with recent rental history. Public sewer means no septic worries, and there are NO HOA fees! Whether you're looking for a full-time residence, weekend lake getaway, or investment property, this one offers location, lake access, privacy, and plenty of potential. Call today to schedule your private showing!

30031 Oak Knoll Road, Rocky Mount

Courtesy of ReeceNichols Real Estate 573-746-4244

$429,900

4 Beds ⋅ 2 Baths ⋅ 3590373 MLS

Big views, plenty of space, and exceptional value come together at this lakefront home in Rocky Mount. Built in 2007, this furnished 4-bedroom, 2-bath home offers approximately 2,378 square feet of comfortable living space and an incredible 10-mile view of Lake of the Ozarks. The open kitchen, dining, and living area features wood flooring and a soaring vaulted ceiling, creating a bright and inviting space for entertaining. Downstairs, the 10-foot ceilings and spacious family room provide even more room for family and guests. Outside, enjoy privacy, generous parking, a low-maintenance exterior, and expansive decking overlooking the lake. The property sits high above the water to capture the spectacular view, while a newer tram provides convenient access to the shoreline and concrete dock with a 12x32 boat slip. Railings, steps, and the tram have all been replaced or updated, and there is room to potentially add a garage. With 62 feet of lakefront, four bedrooms, a quality dock, impressive views, and newer construction, this property delivers a lot of lake home for the money.

31342 Bittersweet Lane, Rocky Mount

Courtesy of BHHS Lake Ozark Realty (573) 365-6868

$199,900

3 Beds ⋅ 2 Baths ⋅ 3590168 MLS

Lake Access, Privacy & Convenience at Lake of the Ozarks! Enjoy the best of lake living with this 3-bedroom, 2-bathroom home offering a 2-car garage and access to the beautiful Lake of the Ozarks. Located just far enough from town to provide a sense of privacy and peaceful surroundings, yet only approximately 15 minutes from everyday conveniences, dining, shopping, and entertainment. Residents can enjoy access to the lakefront clubhouse and community dock for day dock use, making it easy to relax, connect, and take advantage of the lake lifestyle. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this property offers a wonderful combination of comfort, location, and access to everything Lake of the Ozarks has to offer.

22 Portwood Meadows, Rocky Mount

Courtesy of Nettwork Global, LLC (636) 614-5132

$149,900

2 Beds ⋅ 1 Baths ⋅ 3589887 MLS

Priced to sell! Nestled along the shoreline of a peaceful 20-acre man-made lake at the entrance to Indian Creek Cove, this charming 2-bedroom, 1-bath cabin offers a relaxing lakeside retreat just 15 minutes from Bagnell Dam. Inside, a cozy stone fireplace creates the perfect ambiance for cool evenings, while large windows and natural light make the space feel warm and inviting. When the weather is beautiful, step outside to enjoy all the lake has to offer—kayak, fish, or simply relax by the water and take in the peaceful surroundings. The outdoor fire pit is ideal for gathering with family and friends while enjoying picturesque views of two lakes. Recent crawl-space improvements, including spray-foam insulation and a vapor barrier, add comfort and energy efficiency throughout the seasons. If you're looking for a cozy getaway, weekend retreat, or charming lakeside escape, this property is one you won't want to miss!

26303 Apache Lane, Rocky Mount

Courtesy of Black Lab Real Estate Co, LLC (573) 480-5186

$139,900

2 Beds ⋅ 1 Baths ⋅ 3589839 MLS

Your affordable Lake of the Ozarks getaway is here! This charming 2-bedroom, 2-bath cabin puts you just steps from the water in desirable Lick Branch Cove. Located approximately 60 feet from the lake, with the end of the yard only about 20 feet from the water, you can enjoy the lake lifestyle without the lakefront price tag. Relax or entertain on the deck overlooking the cove, then head just about 100 feet from the house to the subdivision dock and parking area. The dock provides convenient access for launching a boat or jet ski into Lick Branch Cove, while the subdivision parking area offers additional space for a jet ski, boat, or boat trailer. Whether you're searching for a weekend retreat, vacation home, or an affordable way to own at Lake of the Ozarks, this cabin is an opportunity you won't want to miss. Lake days, cove views, and easy water access are waiting!

30189 Lea Lane, Rocky Mount

Courtesy of Real Broker, LLC 573-520-3099

$399,900

6 Beds ⋅ 3 Baths ⋅ 3589837 MLS

Unique opportunity to purchase three fully furnished, craftsman-style cottages situated on 2.9 acres in Eldon, Missouri. Each cozy cottage has been completely remodeled and features two bedrooms, one bathroom, a fully equipped kitchen with a stove/oven and microwave, LVP flooring, new vinyl windows, a new PTAC unit and a new 20-gallon water heater. Outdoor amenities include fire pits and seating areas for guests to enjoy. Currently operated as short-term rentals (AirBnB's) and conveniently located approximately seven minutes from the main strip in Lake Ozark, these turnkey cottages are ready for their next owner!

9 Bent Road, Rocky Mount

Courtesy of Central Missouri Real Estate 573-818-5533

$399,900

436964 MLS

Unique opportunity to purchase three fully furnished, craftsman-style cottages situated on 2.9 acres in Rocky Mount, Missouri. Each cozy cottage has been completely remodeled and features two bedrooms, one bathroom, a fully equipped kitchen with a stove/oven and microwave, LVP flooring, new vinyl windows, a new PTAC unit and a new 20-gallon water heater. Outdoor amenities include fire pits and seating areas for guests to enjoy. Currently operated as short-term rentals (AirBnB's) and conveniently located approximately seven minutes from the main strip in Lake Ozark, these turnkey cottages are ready for their next owner!

9 BENT RD, Rocky Mount

Courtesy of Central Missouri Real Estate 573-818-5533

$309,900

3 Beds ⋅ 2 Baths ⋅ 3589674 MLS

Welcome to effortless lakefront living at Isla Del Sol! This beautifully maintained 3-bedroom, 2-bath WALK-IN condo combines incredible views, convenience, and a truly turnkey Lake of the Ozarks lifestyle. Located in a highly desirable building within the complex, you'll enjoy completely unobstructed lake views that provide the perfect backdrop for relaxing and entertaining. Inside, the thoughtfully designed floor plan offers a spacious, comfortable flow and is move-in ready for your next lake adventure. Boaters will appreciate the impressive 14'x40' boat slip complete with a 10,000-lb Polylift, making it easy to get out and enjoy the water. Nightly rentals are allowed, providing flexibility whether you're searching for a personal lake retreat, full-time residence, or investment opportunity. With walk-in accessibility, breathtaking views, a fantastic marine package, and a turnkey setup, this Isla Del Sol condo delivers everything you need to start enjoying Lake life from day one. Call today for your private showing!

64 Knox Road Unit N304, Rocky Mount

Courtesy of Keller Williams L.O. Realty (573) 348-9898

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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 Century 21 Community