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209 Park Shores Cir, Moneta, VA, 24121

3beds
3baths
3,158sqft
$574,996
$182price/sqft
$3,564/moest. monthly cost
$142,560/yrincome needed

About This Home

Enjoy year-round views of Smith Mountain Lake from this very well maintained 3 bedroom, 3 bath Conway designed contemporary home with 3,158sf. The beautiful water and mountain views from the home and rear porches add a connection to the lake life that is certain to elevate your everyday enjoyment and relaxation. Generously sized rooms with impressive attention to detail. Fine textures of natural oak floors, ceramic tile, and carpet have been thoughtfully selected for quality and comfort. Recently painted long-life exterior siding and trim. The main level features a living room with a cozy gas log fireplace and wall-to-wall glass with a French door that leads out to the waterside covered deck. The dining area and kitchen are adjacent and share the lake views. Primary bedroom has a French door that accesses the lakeside deck and enjoys an ensuite bath and walk-in closet. The 2nd bedroom and a full bath are also on this level. You'll find the laundry/mud room conveniently located off the kitchen with access to the front porch for ease of unloading groceries. Lower level retreat features wall-to-wall glass in the generously sized rec room with two sets of French doors that open to the expansive waterside patio. Also on this level is the 3rd bedroom with large walk-in closet, a bonus room that is ideal for an office, and a full bath. Oversized 2 car garage and paved driveway. Xfinity high-speed internet. Short-term rentals allowed. No HOA. Launch your boat at the Virginia Dare Cruises & Marina just 4/10 mile away. Less than 10 minutes to Mariners Landing Resort and Smith Mountain Lake State Park which offers a boat ramp, sandy beach, and miles of trails. Some photos have been virtually staged with furniture.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
Moneta Elementary SchoolGrades PK-56.0 mi
5/10
3/10

Construction

Condition

  • Property condition: Completed
  • Year built: 2005

Materials

  • Construction materials: HardiPlank Type,Wood

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes

Bedroom1

  • Level: E

Bedroom2

  • Level: L

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: E

Features

  • Door features: French Doors,Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,564
  • Finished area above ground: 1,594

Heating & Cooling

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

Interior Area

  • Total structure area: 3,158
  • Total interior livable area: 3,158 sqft

Kitchen

  • Level: E

Laundry

  • Level: E

Office

  • Level: L

Primary Bedroom

  • Level: E

Recreation Room

  • Level: L

Property

Details

  • Parcel number: 242G 2 27
  • Zoning: R-1

Features

  • Patio & porch: Front Porch,Rear Porch
  • Has view: Yes
  • Has water view: Yes
  • Water view: Lake
  • Waterfront features: Waterfront Community - No Access
  • Waterbody name: Smith Mtn Lake

Lot

  • Lot size: 0.52 Acres

Parking

  • Total spaces: 5
  • Parking features: Attached,Paved,Garage Door Opener,Other
  • Has garage: Yes
  • Covered spaces: 2
  • 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
    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 $2,907$34,884
Home Insurance *$166$1,992
Property Taxes $187$2,244
Electricity $304$3,650
Total$3,564$42,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,194/yr
40% on housing$106,920/yr
45% on housing$95,040/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

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 24121$300
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
2026-05-08Price change$599,000
2026-02-10Listed for sale$620,000
2026-02-03Listing removed$650,000
2025-09-04Price change$650,000
2025-08-19Listed for sale$675,000

For Sale by Agent

AgentALVARO JARAMILLO
BrokerageML REALTY

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