1325 Nicholas Ln, Moneta, VA, 24121
About This Home
Exceptional waterfront retreat with short-term rental history on Smith Mountain Lake! Designed for entertaining, this spacious 5 bed, 4.1 bath home offers three ensuite bedrooms, expansive indoor and outdoor gathering spaces, and a huge dock with deep water. The oversized kitchen features a large eat-in countertop, making it the perfect space to cook and gather together. The great room showcases soaring cathedral ceilings and a stunning masonry wood burning fireplace, while the lower-level family room includes a wet bar and gas fireplace. A 3-car garage provides storage for vehicles and lake toys. Whether you're searching for a full-time residence, vacation getaway, or investment opportunity, this property delivers the best of lake living. Sold furnished except sellers personal items. Home is sold turn key with everything but owner's personal items and items in owner's storage closet in primary bedroom on the upper level. Decorated as a 5 bedroom home with a 4 bedroom septic. Propane Hook up for the grill on the upper deck. Great Room Fireplace is Wood Burning. Family Room is a gas fireplace. 8 Person Hot Tub. Stainless Steel Appliances & Granite Countertops. Huge covered front porch with corn hole and lots of space to hang out! Very convenient to restaurants, shopping and medical facility and grocery store.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 2011
Materials
- Construction materials: HardiPlank Type,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Disposal,Microwave,Other - See Remarks,Gas Range,Refrigerator,Oven
Basement
- Has basement: Yes
Bedroom3
- Level: U
Bedroom4
- Level: U
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Dining Area
- Level: E
Family Room
- Level: L
Features
- Breakfast Area
- Flooring: Carpet,Ceramic Tile,Wood
- Number of fireplaces: 2
- Fireplace features: Family Room,Great Room,Masonry,Wood Burning Stove
- Fireplace: Yes
- Finished area below ground: 1,164
- Finished area above ground: 3,452
Great Room
- Level: E
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 4,616
- Total interior livable area: 4,616 sqft
Kitchen
- Level: E
Laundry
- Level: L
Primary Bedroom
- Level: E
Primary Bedroom
- Level: U
Primary Bedroom
- Level: L
Property
Details
- Parcel number: 241 A 6G
Features
- Patio & porch: Deck,Front Porch,Rear Porch
- Has spa: Yes
- Spa features: Heated
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Waterfront,Cove,Riprap Shoreline
- Waterbody name: Smith Mtn Lake
Lot
- Lot size: 1.04 Acres
Parking
- Total spaces: 3
- Parking features: Garage Under,Paved
- Has garage: Yes
- Covered spaces: 3
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
- 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 | $9,081 | $108,972 |
| Home Insurance * | $518 | $6,216 |
| Property Taxes | $597 | $7,164 |
| Electricity | $444 | $5,335 |
| Total | $10,640 | $127,680 |
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 |
|---|---|---|
| 2026-06-06 | Listed for sale | $1,795,995 |
| 2023-04-28 | Sold | $1,750,000 |
| 2023-03-21 | Pending sale | $1,690,000 |
| 2023-03-17 | Listed for sale | $1,690,000 |
| 2022-07-12 | Listing removed | -- |
| 2022-07-03 | Price change | $1,590,000 |
| 2022-06-27 | Listed for sale | $1,690,000 |
| 2019-04-05 | Sold | $678,000 |
| 2019-02-15 | Pending sale | $699,900 |
| 2018-10-26 | Price change | $699,900 |
| 2018-09-20 | Price change | $725,000 |
| 2018-07-19 | Price change | $739,900 |
| 2018-06-21 | Price change | $759,900 |
| 2018-05-18 | Price change | $769,900 |
| 2018-04-16 | Listed for sale | $784,900 |
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