Everyone may now freak out.
Done? Good, because it's not a big deal. Black bears are very common in Missouri these days, especially in the south and southeast where there is plenty of undeveloped land. The Missouri Department of Conservation tracks many bears, but it does not appear that this one was tagged or monitored.
To me, this does not look like a healthy animal. There's a spot of mange on the back side and it looks malnourished. But don't let that fool you, any bear is a formidable animal when agitated and should never be approached. It is very likely that this bear is living off human refuse. Homeowners in the area would be wise to take steps to minimize the appeal of their areas to a black bear's appetites. No one need go out and buy bear proof trash receptacles, but there are some simple things that can be done to discourage their prowlings. Eating garbage isn't any better for animals than it is for humans. See specimen on the left.
The Missouri Department of Conservation has a geolocation system for black bears so if you know a particular bear's tag number you can see its territory. Below is a heat map of all the bears MDC is tracking. As you can see there are no hot spots around the lake area despite several sightings over the years.
This isn't the first time a bear has been spotted in the lake area recently. In July of 2014 a black bear was found dead in the Gravois Mills area after becoming entangled in barbed wire fencing.