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3533 Airport Rd, Moneta, VA, 24121

2beds
1baths
624sqft
$425,000
$681price/sqft
$2,611/moest. monthly cost
$104,440/yrincome needed

About This Home

Enjoy Smith Mountain Lake living without the waterfront price! This beautifully updated, fully furnished 2-bedroom, 1-bath cottage offers 624 sq. ft. of comfortable, low-maintenance living with lake views. The open kitchen features a breakfast bar with seating for four, perfect for entertaining after a day on the water. Currently enjoyed as a weekend getaway, this home is move-in ready and offers excellent short-term or long-term rental potential. Walk to Virginia Dare Marina, Portside Grill & Bar, cruises, live music, and lake activities. The seller currently leases a boat slip at Virginia Dare Marina, and the new owner may have the opportunity to assume the lease. Boat slip photos are for location reference only; no deeded slip conveys. Home is being sold furnished, with a few personal items excluded. A perfect lake retreat or investment opportunity!

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

9/10
Moneta Elementary SchoolGrades PK-56.1 mi
5/10
2/10

Construction

Condition

  • Year built: 1971

Materials

  • Roof: Shingle
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: First
  • Area: 74.52

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

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

Dining Room

  • Area: 0

Family Room

  • Area: 0

Features

  • Ceiling Fan(s),Main Level Bedroom
  • Flooring: Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: 1 Fireplace
  • Fireplace: Yes
  • Attic: Access,Storage Only
  • Finished area below ground: 0
  • Finished area above ground: 624

Great Room

  • Area: 0

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Mini-Split

Interior Area

  • Total structure area: 624
  • Total interior livable area: 624 sqft

Kitchen

  • Level: First
  • Area: 108.04

Living Room

  • Level: First
  • Area: 233.6

Master Bedroom

  • Level: First
  • Area: 65.61

Office

  • Area: 0

Property

Details

  • Parcel number: 24212500

Features

  • Levels: One
  • Patio & porch: Porch
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.63 Acres

Parking

  • Parking features: Off Street

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 FloodingVery High
  • 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 $2,149$25,788
Home Insurance *$122$1,464
Property Taxes $138$1,656
Electricity $202$2,433
Total$2,611$31,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,520/yr
40% on housing$78,330/yr
45% on housing$69,626/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

$681This listing

vs Other Active Listings

Avg $/sqft

ZIP 24121$299
Bedford County$195

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)

Price History

DateEventPrice
2026-08-18Price change$405,000
2026-07-28Listed for sale$425,000
2019-10-24Sold$70,000

For Sale by Agent

AgentKatrina Fields
BrokerageeXp Realty LLC-Stafford

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