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103 Bluebird Ct, Huddleston, VA, 24104

6beds
4baths
4,196sqft
$3,200,000
$763price/sqft
$18,568/moest. monthly cost
$742,720/yrincome needed

About This Home

There's something special about this Smith Mountain Lake home, near the dam, where the water views stretch out before you and every July 4th brings a front-row seat to the fireworks overhead. Tucked among mature trees, the property feels wonderfully private and peaceful. The board-and-batten home has a welcoming charm. A screened porch off the kitchen is perfect for morning coffee, and two sleeping porches invite lazy afternoons and cool evenings by the water. Walk down the paver pathway to your own beach and double-slip dock, all set on a level, park-like lot. And because this home was designed with everyone in mind, the entry level offers wide doorways and a zero-entry shower, so family of all ages and abilities can gather for years to come. It's a rare find.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
5/10
2/10
Staunton River High SchoolGrades 9-1213.6 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2013

Materials

  • Construction materials: Stone,Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Washer,Dishwasher,Gas Range,Range Hood,Refrigerator

Bedroom2

  • Level: U

Bedroom3

  • Level: U

Bedroom4

  • Level: U

Bedroom5

  • Level: U

Bedroom6

  • Level: U

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Area

  • Level: E

Family Room

  • Level: E

Features

  • Door features: French Doors,Full View
  • Flooring: Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Great Room,Masonry
  • Fireplace: Yes
  • Finished area above ground: 4,196

Game Room

  • Level: U

Great Room

  • Level: E

Heating & Cooling

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

Interior Area

  • Total structure area: 4,196
  • Total interior livable area: 4,196 sqft

Kitchen

  • Level: E

Office

  • Level: E

Primary Bedroom

  • Level: E

Property

Details

  • Parcel number: 257C2 3 3
  • Zoning: R2
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Side Porch
  • Has view: Yes
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Waterfront,Main Channel,Riprap Shoreline
  • Waterbody name: Smith Mtn Lake

Lot

  • Lot size: 0.41 Acres
  • Features: Cul-De-Sac,Level,Views

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
    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 $16,180$194,160
Home Insurance *$940$11,280
Property Taxes $1,044$12,528
Electricity $404$4,849
Total$18,568$222,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$636,617/yr
40% on housing$557,040/yr
45% on housing$495,146/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

$763This listing

vs Other Active Listings

Avg $/sqft

ZIP 24104$214
Bedford County$191

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
2026-08-13Price change$2,950,000
2026-07-17Listed for sale$3,200,000
2011-11-18Sold$465,000

For Sale by Agent

AgentDEBBIE SHELTON
BrokerageBERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE

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