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105 Whisperridge Ct, Moneta, VA, 24121

2beds
1baths
896sqft
$174,900
$195price/sqft
$1,193/moest. monthly cost
$47,720/yrincome needed

About This Home

This 2014 singlewide is a fantastic opportunity to enjoy life near Smith Mountain Lake in a sought-after water-access community featuring a private boat ramp. Surrounded by wooded views, the backyard offers a peaceful outdoor setting to relax and unwind. Inside, you'll find an inviting open floor plan designed for comfortable, year-round living. The cozy gas log fireplace makes the perfect spot to gather on cooler evenings, while the split-bedroom layout provides added privacy with bedrooms on opposite ends of the home. Whether you're looking for a primary residence or a weekend retreat, this one is worth a look!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Moneta Elementary SchoolGrades PK-54.3 mi
5/10
3/10

Construction

Condition

  • Year built: 2014

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: First
  • Area: 165

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First
  • Area: 88

Family Room

  • Area: 0

Features

  • Main Level Bedroom
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: 1 Fireplace,Gas Log,Living Room
  • Fireplace: Yes
  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 896

Great Room

  • Area: 0

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 896
  • Total interior livable area: 896 sqft

Kitchen

  • Level: First
  • Area: 77

Living Room

  • Level: First
  • Area: 225

Master Bedroom

  • Level: First
  • Area: 120

Office

  • Area: 0

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Shower

Details

  • Parcel number: 2321890023219000
  • Zoning: R-2

Features

  • Levels: One

Lot

  • Lot size: 2.81 Acres
  • Features: Undergrnd Utilities

Parking

  • Parking features: Off Street,Circular Driveway
  • 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 FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
Tropical Storm
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 $884$10,608
Home Insurance *$50$600
Property Taxes $57$684
Electricity $202$2,433
Total$1,193$14,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,902/yr
40% on housing$35,790/yr
45% on housing$31,813/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 24121$302
Bedford County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 24121$239
Bedford County$181

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)

No zestimate history available

Price History

DateEventPrice
2026-04-23Price change$179,900
2026-02-20Listed for sale$228,000
2026-02-16Listing removed$229,900
2025-10-08Listed for sale$229,900

For Sale by Agent

AgentAudrey Roberts
BrokerageKeller Williams

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