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1245 Graves Harbor Trl #224, Huddleston, VA, 24104

2beds
2baths
964sqft
$415,000
$430price/sqft
$2,555/moest. monthly cost
$102,200/yrincome needed

About This Home

Wake up to breathtaking lake views and enjoy resort-style living every day in this beautifully appointed 2BR, 2BA, 2nd floor, lakefront condo. Whether you're looking for a full-time residence, vacation getaway, or investment property, this home offers the perfect blend of comfort, recreation, and relaxation. The open-concept floor plan provides a bright and inviting living space, while the private balcony is the perfect place to enjoy your morning coffee overlooking the water. Located in the Mariners Landing Resort Community, residents enjoy exceptional amenities including:Multiple swimming pools/golf course/athletic courts/fitness facility/walking trails/beach area/fishing pier/Restaurants & more! Experience a carefree lifestyle with endless opportunities for recreation, relaxation, and outdoor enjoyment--all just steps from your front door. POA dues includes: Cable/Wifi/Trash/Owner Amenity Use/Grounds Maintenance. Condo comes completely furnished. Don't miss this opportunity to own your own piece of lakefront paradise. Schedule your private showing today!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
5/10
2/10
Staunton River High SchoolGrades 9-1211.3 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2005

Materials

  • Construction materials: Brick,HardiPlank Type

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Washer,Dishwasher,Microwave,Electric Range,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Door features: Sliding Doors
  • Flooring: Carpet,Laminate,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 964

Heating & Cooling

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

Interior Area

  • Total structure area: 964
  • Total interior livable area: 964 sqft

Property

Details

  • Parcel number: 250 23 224
  • Attached to another structure: Yes

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Balcony
  • Has view: Yes
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Waterfront,Point
  • Waterbody name: Smith Mtn Lake

Lot

  • Features: Gentle Sloping

Parking

  • Total spaces: 2
  • Parking features: Paved,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

  • 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 $2,098$25,176
Home Insurance *$121$1,452
Property Taxes $134$1,608
Electricity $202$2,433
Total$2,555$30,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,600/yr
40% on housing$76,650/yr
45% on housing$68,133/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

$430This listing

vs Other Active Listings

Avg $/sqft

ZIP 24104$250
Bedford County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 24104$193
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
2026-07-08Listed for sale$415,000
2023-07-17Sold$379,900
2023-07-01Pending sale$379,900
2023-06-27Price change$379,900
2023-05-31Listed for sale$389,900
2018-11-21Listing removed$259,900
2018-08-12Price change$259,900
2018-08-09Listed for sale$269,900
2017-10-18Sold$239,000

For Sale by Agent

AgentAMANDA LEIGH SMITH
BrokerageML REALTY

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