109 Creeden Dr, Moneta, VA, 24121
About This Home
Enjoy the best of Smith Mountain Lake living without the waterfront price! This beautifully maintained one-level home offers spacious, easy living in a sought-after community featuring lake access, a fishing dock, and a fantastic location on Smith Mountain Lake.Inside, you'll love the bright, open floor plan with soaring ceilings, expansive windows that fill the home with natural light, a spacious great room, and an inviting kitchen complete with abundant cabinetry, center island, and generous workspace--perfect for entertaining family and friends. Many new upgrades including Brand New Heatpump 2025, New paint, flooring, Paved driveway. The split-bedroom design provides privacy, while the oversized primary suite offers a relaxing retreat with a large ensuite bath. Step outside to enjoy the covered front porch or unwind on the expansive rear deck surrounded by mature trees offering peaceful privacy and plenty of room for outdoor gatherings. An oversized attached garage provides excellent storage for vehicles, lake toys, or a workshop. Located just minutes from shopping, dining, medical facilities, and everyday conveniences, this home offers the perfect combination of comfort, convenience, and the lake lifestyle you've been looking for. Whether you're searching for a full-time residence or a weekend getaway, this move-in-ready home is one you won't want to miss! Off-water. One-level living. Lake access. Prime Moneta location.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Completed
- Year built: 2003
Materials
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Microwave,Electric Range,Refrigerator
Bedroom2
- Level: E
Bedroom3
- Level: E
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Area
- Level: E
Features
- Storage
- Door features: Sliding Doors
- Window features: Insulated Windows
- Flooring: Carpet,Vinyl
- Finished area above ground: 1,962
Foyer
- Level: E
Great Room
- Level: E
Heating & Cooling
- Heating features: Heat Pump Electric
- Cooling features: Heat Pump Electric
Interior Area
- Total structure area: 1,962
- Total interior livable area: 1,962 sqft
Kitchen
- Level: E
Laundry
- Level: E
Living Room
- Level: E
Primary Bedroom
- Level: E
Property
Details
- Parcel number: 242 4 15
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Side Porch
- Exterior features: Garden Space,Maint-Free Exterior
- Has spa: Yes
- Spa features: Bath
- Has view: Yes
- Has water view: Yes
- Water view: Lake
- Waterfront features: Water Access Only
- Waterbody name: Smith Mtn Lake
Lot
- Lot size: 0.97 Acres
- Features: Gentle Sloping,Wooded
Parking
- Total spaces: 2
- Parking features: Attached,Paved,Garage Door Opener
- Has garage: Yes
- Covered 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
- 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 | $2,118 | $25,416 |
| Home Insurance * | $121 | $1,452 |
| Property Taxes | $136 | $1,632 |
| Electricity | $202 | $2,433 |
| Total | $2,577 | $30,924 |
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 |
|---|---|---|
| 2026-08-12 | Price change | $418,777 |
| 2026-08-07 | Price change | $418,788 |
| 2026-07-30 | Price change | $418,877 |
| 2026-07-23 | Price change | $418,878 |
| 2026-07-10 | Price change | $418,886 |
| 2026-07-02 | Price change | $418,887 |
| 2026-06-25 | Listed for sale | $418,888 |
| 2025-03-14 | Sold | $343,900 |
| 2025-01-23 | Pending sale | $339,000 |
| 2024-11-16 | Price change | $339,000 |
| 2024-09-16 | Price change | $349,500 |
| 2024-08-23 | Listed for sale | $365,000 |
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