97 Cedar Bluff Ln, Hardy, VA, 24101
About This Home
Affordable Lake Living, Built in 2004, Two Bedroom with Office and two full baths, Full unfinished walkout lower level, Appliances, ,Decks and dock being sold as is. Wood floors Living room, Dining and Bedrooms, Tile in Kitchen, Community Beach and picnic Area.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 2004
Materials
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Refrigerator
Basement
- Has basement: Yes
Bedroom2
- Level: E
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: E
Eat In Kitchen
- Level: E
Eat In Kitchen
- Level: E
Features
- Door features: Insulated
- Window features: Insulated Windows
- Flooring: Ceramic Tile,Wood
- Finished area above ground: 1,392
Heating & Cooling
- Heating features: Heat Pump Gas
- Cooling features: Heat Pump Gas
Interior Area
- Total structure area: 2,784
- Total interior livable area: 1,392 sqft
Kitchen
- Level: E
Laundry
- Level: E
Living Room
- Level: E
Office
- Level: E
Primary Bedroom
- Level: E
Property
Details
- Parcel number: 012 01265 00
- Zoning: R1
Features
- Patio & porch: Deck,Rear Porch,Side Porch
- Exterior features: Maint-Free Exterior
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Waterfront
- Waterbody name: Smith Mtn Lake
Lot
- Lot size: 0.50 Acres
- Features: Varied
Parking
- Parking features: Paved
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 | $1,501 | $18,012 |
| Home Insurance * | $71 | $852 |
| Property Taxes | $104 | $1,248 |
| Electricity | $202 | $2,433 |
| Total | $1,878 | $22,536 |
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 |
|---|---|---|
| 2026-03-26 | Listed for sale | $297,000 |
View on Zillow