170 Sailors Cove Dr Unit 1204, Moneta, VA, 24121
About This Home
Welcome to easy lakefront living in the highly sought-after resort community of Bernard's Landing at Smith Mountain Lake. This fully furnished, ground-level 1 bedroom,1 bath condo offers the perfect combination of comfort, convenience, and breathtaking natural beauty. The location of this unit provides stunning views of Smith Mountain Lake and walkout from the patio right to the lake! Inside, you'll find a bright and inviting living space designed for low-maintenance living-perfect as a weekend retreat, full-time residence, or investment property with excellent long and short-term rental potential. Brand new sliding doors and windows throughout the unit! Just a short stroll from your door, enjoy resort-style amenities including 3 pools (1 indoor), beach, tennis/pickleball courts, fitness center, sauna/steam room, community day docks, onsite restaurant, clubhouse and more. The inclusive Condo Association fee covers internet, water, sewer, and many amenities, creating truly hassle-free ownership experience. Summer 2026 could be the best ever, whether you're enjoying endless recreational activities or simply taking in the AMAZING views, every day here will feel like a getaway.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 1985
Materials
- Construction materials: Wood
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Electric Range,Refrigerator
Bedroom1
- Level: E
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Storage
- Door features: Sliding Doors
- Flooring: Carpet,Ceramic Tile
- Number of fireplaces: 1
- Fireplace features: Living Room,Masonry
- Fireplace: Yes
- Finished area above ground: 675
Heating & Cooling
- Heating features: Heat Pump Electric
- Cooling features: Heat Pump Electric
Interior Area
- Total structure area: 675
- Total interior livable area: 675 sqft
Kitchen
- Level: E
Laundry
- Level: E
Living Room
- Level: E
Other
- Level: E
Property
Details
- Parcel number: 048 05112 00
- Zoning: RPD
Features
- Patio & porch: Patio,Rear Porch,Side Porch
- Has view: Yes
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Waterfront,Cove,Main Channel,Riprap Shoreline,Southern Exposure
- Waterbody name: Smith Mtn Lake
Lot
- Features: Varied,Views
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
- Strong Wind
- Lightning
- 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 | $1,858 | $22,296 |
| Home Insurance * | $106 | $1,272 |
| Property Taxes | $153 | $1,836 |
| Electricity | $202 | $2,433 |
| Total | $2,319 | $27,828 |
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 |
|---|---|---|
| 2026-07-23 | Price change | $367,500 |
| 2026-05-15 | Listed for sale | $370,000 |
| 2021-05-07 | Sold | $235,000 |
| 2014-08-20 | Sold | $140,000 |
View on Zillow