Camden County, Missouri requires a Construction Permit for covered work in its Lake Area Planning & Zoning jurisdiction, but the requirement does not automatically apply to every parcel countywide12. Lake Area projects have location, foundation and substantially complete structure inspections3. The Camden County Wastewater Department handles septic permits under separate countywide rules4.
At a glance
- Building permit
- Required for covered work in the Lake Area Planning & Zoning jurisdiction; not automatically countywide1
- Zoning
- Applies on land designated within the Camden County Zoning District, not automatically to every parcel2
- Septic permits
- Camden County Wastewater Department; required for listed new, replacement and repair projects, subject to a narrow acreage exception5
- Agricultural structures
- Exempt from the county construction permit under the Unified Land-Use Code6
- Floodplain review
- A Floodplain Development Permit may be required where a site plan indicates possible noncompliance7
- Owner-builder exemption
- We could not confirm one; ask Planning & Zoning directly8
- Septic soil difficulty
- 22.1% of county soils are free of severe limits for a conventional drain field9
- R-2 dwelling size
- At least 560 square feet for a residential dwelling unit10
Who to call
Zoning
Camden County Lake Area Planning & Zoning Department
Construction permits, zoning permits, subdivision/plat approval, and floodplain development permits under the county's Unified Land-Use Code
1 Court Circle, Suite 15, Camdenton, MO 65020
Septic permits
Camden County Wastewater Department
On-site sewage disposal system (septic) permits, inspections, and the county's sewage complaint hotline
186 Ha Ha Tonka Cut Thru, Camdenton, MO 65020
Roads & driveways
Driveway culvert approvals, road impact fees, and access permits for county roads
Contact details are copied from each office’s official page and were checked against it on September 29, 2026.
Do you need a building permit in Camden County, Missouri?
Yes, for covered construction in Camden County's Lake Area Planning & Zoning jurisdiction; the permit requirement does not automatically extend to every parcel in the county12. The published process calls for a completed application, site plan, proof of ownership, applicable agency approvals and possible floodplain paperwork; incomplete applications are not accepted11. Lake Area projects require a structure-location survey, foundation inspection and an inspection when the structure is substantially complete3. A county Construction Permit is not required for an agricultural structure under the code, but that narrow exemption does not establish an exemption for a house or other nonagricultural project6. We could not confirm a general county building code or certificate-of-occupancy requirement. Ask Lake Area Planning & Zoning whether the parcel is inside its jurisdiction and which requirements apply.
Who is the Camden County Planning & Zoning Department, and how do you reach them?
Camden County's Lake Area Planning & Zoning Department is at 1 Court Circle, Suite 15, Camdenton, MO 65020, and its phone number is 573-346-444012. Start there for construction and zoning permits, the parcel's district and confirmation that the land is within the county zoning jurisdiction12. A Floodplain Development Permit application may also be required when a site plan indicates that a proposed structure may not comply with the Floodplain Ordinance7. The county's construction-permit instructions direct applicants to Camden County Road & Bridge for approval or waiver of a road impact fee and/or access permit12. Road & Bridge can be reached at 573-346-447113. A driveway constructed or modified within Missouri Department of Transportation right-of-way needs a separate state permit14.
Does Camden County have zoning?
Camden County zoning applies to land designated by the County Commission within the Camden County Zoning District, not automatically to every parcel2. The Unified Land-Use Code then applies district-specific use and dimensional rules15. In R-2, a residential dwelling unit must contain at least 560 square feet, setbacks are at least 25 feet in front, 15 feet on a corner side, 10 feet on a side and 20 feet in the rear, and structures may be no taller than 50 feet above finished grade101617. Those figures are not countywide standards. Manufactured homes also vary by district: the Agricultural-Residential district permits Class A and Class B manufactured homes as single-family dwellings, while the Manufactured Home Park district has separate standards18. Ask Lake Area Planning & Zoning for the parcel's jurisdiction and district before applying any dimensional rule.
How do septic permits work in Camden County?
Camden County Wastewater Department administers onsite sewage disposal systems4. County permits cover new construction, replacement and repair, including residential lots under 3 acres, lots adjoining Lake of the Ozarks regardless of size, lots with more than 1 single-family residence, multifamily development, and commercial or business development below 3,000 gallons per day5. A qualifying single-family lot of at least 3 acres may be excluded only when every system point is more than 10 feet from adjoining property lines and effluent does not cross property lines, contaminate water or create a nuisance; the exclusion does not cover qualifying lake-adjacent lots519. For a Planning and Zoning permit to remodel, rebuild or add on, the existing septic system must first be inspected by a state-registered inspector unless it operates under a valid operating permit20. Only 22.1% of county soils are rated without severe limitations for a conventional drain field, so check feasibility early9.
Can you live in an RV or tiny home on your land in Camden County?
We could not confirm a general rule allowing full-time RV or tiny-home occupancy on private land in Camden County. County zoning applies only within land designated as the Camden County Zoning District, and rules inside that area vary by district215. A manufactured home is not automatically the same as a tiny home: the Agricultural-Residential district permits Class A and Class B manufactured homes as single-family dwellings, while manufactured-home parks have separate standards18. R-2 requires at least 560 square feet for a residential dwelling unit, but that minimum does not answer the question for another district10. Buildings where people live, work or assemble must discharge sewage to a regulated sewer or compliant onsite system; tiny-home developments also require appropriate electric, water and wastewater service21. Ask Lake Area Planning & Zoning about the exact parcel and proposed occupancy.
Building a home in Camden County: the steps, in order
- Ask Lake Area Planning & Zoning whether the parcel is in the county zoning jurisdiction and identify its district2.
- Confirm the proposed use and dimensional standards, then prepare the ownership proof and site plan required with a complete application11.
- Ask the Wastewater Department whether the project requires a septic permit or qualifies for the narrow acreage-based exclusion; lake adjacency can remove that exclusion5.
- Resolve any floodplain review and obtain the Road & Bridge approval or waiver identified in the county instructions712.
- Submit the complete application and required approvals; incomplete applications are not accepted11.
- Schedule the required Lake Area location, foundation and substantially complete structure inspections3.
What to check before you buy land in Camden County
Confirm the parcel's planning jurisdiction and zoning district before relying on a seller's description of buildability215. If land will be divided for a major subdivision or multiple-use development, the county process includes a pre-application conference, Planning Commission review and engineered improvement plans22. Test septic feasibility early because only 22.1% of Camden County soils are rated without severe limitations for a conventional drain field9. Check lake adjacency and flood exposure separately: lake adjacency can remove the septic acreage exclusion, while possible floodplain noncompliance may trigger a Floodplain Development Permit57. Camden County is 67.1% wooded, and 58.2% of its land has a slope of 15% or less, so walk the proposed house, driveway and drain-field areas2324.
Watch-outs
Sources
- Camden County Lake Area Planning & Zoning Construction Permit Application, quoted and re-checked
- Camden County Unified Land-Use Code, quoted and re-checked
- Camden County Lake Area Planning & Zoning Construction Permit Application, quoted and re-checked
- OWTS Construction Permit Process | Missouri Department of Health and Senior Services, quoted and re-checked
- Waste Water | Camden County Missouri, quoted and re-checked
- Camden County Unified Land-Use Code, Revised 01/01/2022, quoted and re-checked
- Camden County Unified Land-Use Code, Revised 01/01/2022, quoted and re-checked
- (2026 county census)
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- Camden County Unified Land-Use Code, Revised 01/01/2022, quoted and re-checked
- Camden County Unified Land-Use Code, Revised 01/01/2022, quoted and re-checked
- Camden County Lake Area Planning & Zoning Department (camdencountymo.gov)
- Camden County Road & Bridge (camdencountymo.gov)
- Permits | Missouri Department of Transportation (Missouri statewide rule), quoted and re-checked
- Camden County Unified Land-Use Code, quoted and re-checked
- Camden County Unified Land-Use Code, Revised 01/01/2022, quoted and re-checked
- Camden County Unified Land-Use Code, Revised 01/01/2022, quoted and re-checked
- Camden County Unified Land-Use Code, quoted and re-checked
- Waste Water | Camden County Missouri, quoted and re-checked
- Camden County On-Site Sewage Disposal Ordinance, quoted and re-checked
- Waste Water | Camden County Missouri, quoted and re-checked
- Article 400: Plats and Subdivisions; R-1, R-2, R-3, R-4, B-1, B-2, B-3; Appendix F, quoted and re-checked
- Wooded share of land: Bolthole Index county data
- Share of land at 15% slope or less: Bolthole Index county data
Written September 29, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.