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23 Waterpoint Ct, Moneta, VA, 24121

4beds
4baths
4,782sqft
$1,700,000
$355price/sqft
$10,144/moest. monthly cost
$405,760/yrincome needed

About This Home

Experience the best of waterfront living in this beautifully designed 4-bedroom, 3.5-bath home offering the ease of main-floor living and exceptional indoor-outdoor spaces. With 137 feet of shoreline and deep water at the private dock featuring two slips, this property is perfectly suited for boating enthusiasts and those who crave life on the water.Upstairs, you'll love the open-concept living area filled with natural light and designed for entertaining. Step outside onto the expansive deck with custom railings, the perfect place to relax, dine, and soak in the views. During the growing season, the lush flower beds add vibrant color, while two mature fig trees create a warm and inviting entrance.The finished basement is a standout feature, offering incredible flexibility with the option for an in-law suite. There's ample space for a game room, family room, or recreation area--ideal for hosting gatherings and making lasting memories. Car enthusiasts and hobbyists will appreciate the mechanic's dream garage, complete with controlled compressed air. The seller also invested in a comprehensive waterflow management system, providing peace of mind and protection against water intrusion. This waterfront gem blends comfort, function, and lifestyle--ready for you to move in and start enjoying lake life at its finest. Garden space and shrubs will bloom in the spring, every detail to plant and shrub selection has made this property a beautiful addition to lake living

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

7/10
Dudley Elementary SchoolGrades PK-55.8 mi
5/10
Ben. Franklin Middle-WestGrades 6-814.1 mi
4/10
Franklin County High SchoolGrades 9-1214.2 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2006

Materials

  • Construction materials: HardiPlank Type,Stone

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

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

Features

  • Storage
  • Door features: Insulated
  • Window features: Insulated Windows,Other - See Remarks
  • Flooring: Carpet,Slate,Ceramic Tile
  • Finished area above ground: 4,782

Heating & Cooling

  • Heating features: Heat Pump Electric,Other - See Remarks
  • Cooling features: Heat Pump Electric,Attic Fan

Interior Area

  • Total structure area: 4,782
  • Total interior livable area: 4,782 sqft

Property

Details

  • Parcel number: 032 03114 00

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Garden,Garden Space,Other - See Remarks
  • Has view: Yes
  • View description: Sunset
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Waterfront,Cove
  • Waterbody name: Smith Mtn Lake

Lot

  • Lot size: 0.61 Acres
  • Features: Views

Parking

  • Parking features: Attached,Paved,Garage Door Opener
  • Has garage: 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 FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Lightning
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
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 $8,596$103,152
Home Insurance *$491$5,892
Property Taxes $597$7,164
Electricity $460$5,527
Total$10,144$121,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$347,794/yr
40% on housing$304,320/yr
45% on housing$270,506/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$355This listing

vs Other Active Listings

Avg $/sqft

ZIP 24121$296
Franklin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 24121$239
Franklin County$174

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
2026-03-14Listed for sale$1,700,000

For Sale by Agent

AgentDEBRA GATTO
BrokerageRE/MAX LAKEFRONT REALTY INC

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