




301 Indian Ridge Dr, Moneta, VA, 24121
About This Home
Lovingly maintained SML water access home in a prime location with one-level living, amenities galore and short-term rentable! Only 2 owners, spacious with 4 BRs, 2.5 BAs, thoughtful updates, and an oversized 3-car garage that is both heated and cooled. Sitting on 2.01 acres, there's plenty of outdoor space & privacy. Neighborhood amenities include a community pool, pool house with showers, grills, picnic area, pickle ball courts, nearby boat launch and day docks - all for just $950 a year. The pool and boat storage area are within walking distance. Inside, the bright kitchen features white painted cabinetry, an island, built-in desk, eat-in dining area, and newer stainless-steel appliances--including a gas range with a built-in air fryer. The great room showcases vaulted ceilings, a cozy gas log fireplace, and an open dining area leading to a sizeable covered back deck--ideal for gathering and entertaining. With mature trees, the backyard setting is peaceful and private. Other recent updates include LVP flooring in the primary bedroom and bath and brand-new LVP on the lower level. The expanded laundry room offers added functionality with a sink and folding counter. The septic system was pumped in 2025 and consistently maintained every 2-3 years. The exterior was repainted approximately 5 years ago. New well pump installed in 2020. The walk-out lower level is filled with natural light and opens to a covered patio through French doors. This level includes a spacious family room, a bedroom with a large walk-in closet and built-in bookshelves, and a half bath--creating an ideal private retreat for guests. There is ample storage space, including a workshop area, and room for a pool or ping-pong table for added recreation. Outdoor enthusiasts will appreciate the raised garden bed ready for planting and the unique 3-hole driving range. A security system with six exterior cameras provides added peace of mind. 30 amp hook up for a camper or RV.
Getting Around
Schools
Construction
Condition
- Property condition: Completed
- Year built: 2004
Materials
- Construction materials: Cement,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Microwave,Gas Range,Range Hood,Refrigerator
Basement
- Has basement: Yes
Bedroom2
- Level: E
Bedroom3
- Level: E
Bedroom4
- Level: L
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Area
- Level: E
Eat In Kitchen
- Level: E
Family Room
- Level: L
Features
- Breakfast Area,Storage
- Door features: French Doors,Sliding Doors
- Window features: Insulated Windows
- Flooring: Carpet,Ceramic Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Great Room
- Fireplace: Yes
- Finished area below ground: 1,036
- Finished area above ground: 1,989
Foyer
- Level: E
Great Room
- Level: E
Heating & Cooling
- Heating features: Heat Pump Electric
- Cooling features: Heat Pump Electric
Interior Area
- Total structure area: 3,501
- Total interior livable area: 3,025 sqft
Kitchen
- Level: E
Laundry
- Level: E
Other
- Level: L
Primary Bedroom
- Level: E
Property
Details
- Parcel number: 241B 2 52 & 241B 2 52A
- Zoning: R2
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Patio,Front Porch
- Exterior features: Garden Space
- Waterfront features: Water Access Only
- Waterbody name: Smith Mtn Lake
Lot
- Lot size: 2.01 Acres
- Features: Cleared
Parking
- Total spaces: 6
- Parking features: Attached,Paved,Garage Door Opener
- Has garage: Yes
- Covered spaces: 3
- Has uncovered spaces: Yes
- Uncovered spaces: 3
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 | $3,231 | $38,772 |
| Home Insurance * | $184 | $2,208 |
| Property Taxes | $208 | $2,496 |
| Electricity | $291 | $3,496 |
| Total | $3,914 | $46,968 |
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 |
|---|---|---|
| 2026-04-29 | Price change | $639,000 |
| 2026-04-01 | Listed for sale | $649,000 |
| 2008-05-29 | Listing removed | $334,900 |
| 2008-04-23 | Listed for sale | $334,900 |
