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1217 Graves Harbor Trl APT 122, Huddleston, VA, 24104

3beds
3baths
1,445sqft
$599,999
$415price/sqft
$3,606/moest. monthly cost
$144,240/yrincome needed

About This Home

Exquisitely designed and fully furnished, this stunning three-bedroom, two and half bath waterfront condominium is situated at The Pointe at Mariners Landing. Enjoy breathtaking long-range water and mountain views from the balcony or seating in the reading area looking out the windows. This unit is rental ready and currently in a short term rental program. Residents benefit from the oversized elevators that provides access to the lower level, which connects all three buildings. This level leads to Tiff's Restaurant, a charming market, the community pool, marinas, and a sandy beach. The Property Owners Association (POA) dues include a variety of amenities, including an 18-hole golf course, two outdoor pools, an indoor pool, a fitness center, tennis, basketball, volleyball, pickleball, a hot tub, and extensive walking and biking trails. Leased boat slips and kayak racks are available when conditions allow. Additionally, high-speed Xfinity cable internet and television services are included.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

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

Construction

Condition

  • Property condition: Completed
  • Year built: 2004

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

Bedroom2

  • Level: E

Bedroom3

  • Level: E

Bedrooms & Bathrooms

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

Dining Area

  • Level: E

Features

  • Breakfast Area,Other - See Remarks,Storage
  • Door features: Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Great Room
  • Fireplace: Yes
  • Finished area above ground: 1,445

Heating & Cooling

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

Interior Area

  • Total structure area: 1,445
  • Total interior livable area: 1,445 sqft

Kitchen

  • Level: E

Laundry

  • Level: E

Other

  • Level: E

Primary Bedroom

  • Level: E

Property

Details

  • Parcel number: 250 21 122
  • Attached to another structure: Yes

Features

  • Exterior features: Balcony,Maint-Free Exterior
  • Has view: Yes
  • View description: Sunrise,Sunset
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Waterfront,Point
  • Waterbody name: Smith Mtn Lake

Lot

  • Features: Gentle Sloping,Level

Parking

  • Parking features: Off Street
  • Has uncovered spaces: Yes

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 $3,033$36,396
Home Insurance *$176$2,112
Property Taxes $195$2,340
Electricity $202$2,433
Total$3,606$43,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,634/yr
40% on housing$108,180/yr
45% on housing$96,160/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

$415This listing

vs Other Active Listings

Avg $/sqft

ZIP 24104$244
Bedford County$194

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
2026-06-26Price change$599,999
2026-03-28Price change$620,000
2026-02-06Listed for sale$645,000
2026-02-04Listing removed$645,000
2025-09-24Listed for sale$645,000

For Sale by Agent

AgentMARY LOU MCDONALD
BrokerageML REALTY

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