540 Lakeshore Terrace Rd, Hardy, VA, 24101
About This Home
!!15 minutes from Downtown Roanoke and on the Lake! A meticulously cared for 4 Bed 3 Bath log-style home located in Lakeshore Terrace. 3,801-square-foot on 3 lots. A blend of rustic charm and modern lakeside living. Large stone fireplace in the center of an open concept living plan. First floor primary bedroom, large back deck, walkout basement and 2 car garage overlooking a park like yard with tons of water frontage with 2 covered docks. A nearby boat launch and picnic area accessible by golf cart. Location is Ideal for skiing, tubing, fishing and kayaking in a less trafficked area of the lake. 15 min to Westlake Center
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 1993
Materials
- Construction materials: Log,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Disposal,Microwave,Electric Range,Refrigerator
Basement
- Has basement: Yes
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Storage
- Door features: Insulated,Storm Door(s)
- Window features: Insulated Windows,Tilt-In
- Flooring: Ceramic Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Flue Available
- Fireplace: Yes
- Finished area below ground: 1,276
- Finished area above ground: 2,542
Heating & Cooling
- Heating features: Forced Air,Heat Pump Electric
- Cooling features: Heat Pump Electric
Interior Area
- Total structure area: 4,169
- Total interior livable area: 3,818 sqft
Property
Details
- Parcel number: 001 01074 00, 001 01073 00, 00101075.0
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Front Porch,Rear Porch
- Exterior features: Balcony
- Has view: Yes
- View description: Sunrise,Sunset
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Waterfront,Main Channel
- Waterbody name: Smith Mtn Lake
Lot
- Lot size: 2.25 Acres
- Features: Cleared
Parking
- Total spaces: 2
- Parking features: Garage Under,Paved,Garage Door Opener,Off Street
- Has garage: Yes
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,424 | $53,088 |
| Home Insurance * | $210 | $2,520 |
| Property Taxes | $307 | $3,684 |
| Electricity | $367 | $4,413 |
| Total | $5,308 | $63,696 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-17 | Listed for sale | $975,000 |
| 2012-06-22 | Sold | $365,000 |
View on Zillow