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95 Marvin Gardens Dr, Moneta, VA, 24121

5beds
4baths
5,711sqft
$1,950,000
$341price/sqft
$11,658/moest. monthly cost
$466,320/yrincome needed

About This Home

Waterfront home on Smith Mountain Lake: Sunset and Wide water lake views.Be the ultimate host when entertaining in the new gourmet Kitchen with quartz counters,tile backsplash, farm sink, gas stove with decorative hood and subzero refrigerator/freezer. Gentle walk to double dock.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
Dudley Elementary SchoolGrades PK-56.5 mi
5/10
Ben. Franklin Middle-WestGrades 6-814.6 mi
4/10
Franklin County High SchoolGrades 9-1214.6 mi

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Shingle
  • Construction materials: Cement Board/Plank,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Self Cleaning Oven,Washer,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Heated,Walk-Out Access

Bedroom2

  • Level: First
  • Area: 180

Bedroom3

  • Level: Second
  • Area: 306

Bedroom4

  • Level: Second
  • Area: 240

Bedroom5

  • Level: Below Grade
  • Area: 210

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Area: 0

Family Room

  • Area: 0

Features

  • Drywall,Great Room,High Speed Internet,Main Level Bedroom,Primary Bed w/Bath,Separate Dining Room,Walk-In Closet(s),Workshop
  • Window features: Insulated Windows,Drapes
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: 2 Fireplaces,Den,Great Room,Living Room,Basement
  • Fireplace: Yes
  • Attic: Access
  • Finished area below ground: 1,599
  • Finished area above ground: 4,112

Great Room

  • Area: 0

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Heat Pump,Two-Zone

Interior Area

  • Total structure area: 5,711
  • Total interior livable area: 5,711 sqft

Kitchen

  • Area: 0

Living Room

  • Area: 0

Master Bedroom

  • Level: First
  • Area: 360

Office

  • Area: 0

Property

Details

  • Parcel number: 0320811500
  • Zoning: R1

Features

  • Levels: One and One Half
  • Patio & porch: Patio,Porch,Front Porch,Rear Porch
  • Has view: Yes
  • View description: Mountain(s)
  • On waterfront: Yes
  • Waterfront features: Waterfront Property

Lot

  • Lot size: 1.20 Acres
  • Features: Undergrnd Utilities,Near Golf Course

Parking

  • Parking features: Paved Drive
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Lightning
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
Winter Storm

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

MonthlyAnnual
Mortgage $9,860$118,320
Home Insurance *$563$6,756
Property Taxes $685$8,220
Electricity $550$6,601
Total$11,658$139,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$466,320/yr
35% on housing$399,702/yr
40% on housing$349,740/yr
45% on housing$310,880/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

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.

Insurance Growth Rate5-year average: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 24121$296
Franklin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 24121$239
Franklin County$174

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

DateEventPrice
2026-04-15Price change$1,950,000
2026-03-12Listed for sale$2,200,000
2004-03-03Sold$719,000

For Sale by Agent

AgentMike Pagans
BrokerageMKB, REALTORS at the Lake
Phone540-576-2588
View on Zillow

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