




23 Waterpoint Ct, Moneta, VA, 24121
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
Schools
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
- 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 | $8,596 | $103,152 |
| Home Insurance * | $491 | $5,892 |
| Property Taxes | $597 | $7,164 |
| Electricity | $460 | $5,527 |
| Total | $10,144 | $121,728 |
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 |
|---|---|---|
| 2026-03-14 | Listed for sale | $1,700,000 |
