Lake of the Ozarks isn’t exactly what comes to mind when you picture a beach bar, but Franky & Louie’s has been quietly holding down the Key West of the Midwest title for years. Parked right at Mile Marker 10 on the lake with its own sandy beach and boat dock, this place draws a crowd that arrives by both car and pontoon. Frozen drinks flow — pina coladas, margaritas, rum runners — live music fills the weekends, and the pizza kitchen cranks out pies until late. Families park the kids on the beach, groups tie up the boats and settle in for the afternoon, and nobody’s in a hurry to leave. It’s not the ocean, but on a hot Missouri summer day, it’ll do just fine.
