345 Cambridge Ct Unit A4, Hardy, VA, 24101
About This Home
Waterfront, short-term rentable townhouse in a highly desirable Westlake location! This beautifully updated lakefront property offers the perfect blend of investment opportunity and low-maintenance luxury living. Many Updates, including a new HVAC system, water heater, granite countertops, and new sliding doors (see full upgrade list in documents). Enjoy breathtaking sunset views, abundant natural light, and seamless indoor-outdoor living. Your deeded boat slip is just steps away, making boating, kayaking, and lake days effortless. Located minutes from Westlake shopping, dining, marinas, golf, and entertainment, this move-in-ready home is ideal as a vacation rental, Airbnb investment property, weekend getaway, or full-time residence at Smith Mountain Lake.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 2000
Materials
- Construction materials: Brick,Vinyl
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Electric Range,Refrigerator
Basement
- Has basement: Yes
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Storage,Wet Bar
- Door features: Sliding Doors
- Flooring: Carpet,Ceramic Tile
- Number of fireplaces: 2
- Fireplace features: Basement,Living Room
- Fireplace: Yes
- Finished area below ground: 640
- Finished area above ground: 1,280
Heating & Cooling
- Heating features: Heat Pump Electric
- Cooling features: Heat Pump Electric
Interior Area
- Total structure area: 1,920
- Total interior livable area: 1,920 sqft
Property
Details
- Parcel number: 015 05136 00
- Attached to another structure: Yes
- Zoning: RPD
Features
- Patio & porch: Rear Porch
- Exterior features: Balcony
- Has view: Yes
- View description: Sunset
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Waterfront,Cove
- Waterbody name: Smith Mtn Lake
Parking
- Total spaces: 2
- Parking features: Off Street
- Has uncovered spaces: Yes
- Uncovered spaces: 2
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 | $2,877 | $34,524 |
| Home Insurance * | $136 | $1,632 |
| Property Taxes | $237 | $2,844 |
| Electricity | $202 | $2,433 |
| Total | $3,452 | $41,424 |
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 |
|---|---|---|
| 2026-05-07 | Listed for sale | $595,000 |
| 2016-12-02 | Sold | $261,000 |
| 2016-08-17 | Price change | $265,000 |
| 2016-07-27 | Price change | $277,000 |
| 2016-05-21 | Listed for sale | $269,900 |
| 2016-01-25 | Listing removed | $1,000 |
| 2016-01-20 | Listed for rent | $1,000 |
| 2015-09-29 | Listing removed | $264,900 |
| 2015-06-18 | Listed for sale | $264,900 |
| 2014-01-09 | Listing removed | $900 |
| 2013-12-02 | Listed for rent | $900 |
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