Climate change is predicted to increase water temperatures in many lotic systems, but little is known about how changes in air temperature affect lotic systems heavily influenced by groundwater. Our objectives were to document spatial variation in temperature for spring-fed Ozark streams in Southern Missouri USA, create a spatially explicit model of mean daily water temperature, and use downscaled climate models to predict the number of days meeting suitable stream temperature for three aquatic species of concern to conservation and management. Longitudinal temperature transects and stationary temperature loggers were used in the Current and Jacks Fork Rivers during 2012 to determine spatial and temporal variability of water temperature. Groundwater spring influence affected river water temperatures in both winter and summer, but springs that contributed less than 5% of the main stem discharge did not affect river temperatures beyond a few hundred meters downstream. A multiple regression model using variables related to season, mean daily air temperature, and a spatial influence factor (metric to account for groundwater influence) was a strong predictor of mean daily water temperature (r2 = 0.98; RMSE = 0.82). Data from two downscaled climate simulations under the A2 emissions scenario were used to predict daily water temperatures for time steps of 1995, 2040, 2060, and 2080. By 2080, peak numbers of optimal growth temperature days for smallmouth bass are expected to shift to areas with more spring influence, largemouth bass are expected to experience more optimal growth days (21-317% increase) regardless of spring influence, and Ozark hellbenders may experience a reduction in the number of optimal growth days in areas with the highest spring influence. Our results provide a framework for assessing fine-scale (10 s m) thermal heterogeneity and predict shifts in thermal conditions at the watershed and reach scale.