Mill Creek is a stream in Morgan County in the U.S. state of Missouri. It is a tributary to the Gravois Creek arm of the Lake of the Ozarks. The stream headwaters arise at 38°14′23″N 92°53′10″W / 38.23972°N 92.88611°W just northeast of Missouri Route 135 at an elevation of approximately 920 ft (280 m). The stream meanders northeast and east passing under Missouri Route 5 and enters the Lake of the Ozarks at 38°14′37″N 92°48′02″W / 38.24361°N 92.80056°W at an elevation of 663 ft (202 m). Previous to the impoundment of the lake the confluence of Mill Creek with Gravois Creek was located 2.3 miles to the northeast at 38°15′32″N 92°45′15″W / 38.25889°N 92.75417°W and an elevation of 620 ft (190 m) and about one mile north of the community of .