Adam Lynch
BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE
(540) 590-5647
63 Total Sales
2 in North Shore
$250K - $430K Price Range
20 Cottage Ln Moneta, VA 24121
North Shore AreaEstimated Value: $1,148,159 - $1,228,000
3
Beds
3.5
Baths
2,863
Sq Ft
$416/Sq Ft
Est. Value
Highlights
- Boat Ramp
- 1 Dock Slip
- Waterfront
- Dudley Elementary School Rated A-
- Lake View
- Deck
About This Home
As of September 2025Welcome to The Boardwalk, one of Smith Mountain Lake's most sought-after communities thanks to its ideal location by both land and water. This Nantucket-style home offers just under 3,000 square feet of thoughtfully designed living space across three levels -- perfect for spreading out guests and family while maintaining a comfortable, manageable feel. Enjoy stunning sunrises over Smith Mountain from your home, and take full advantage of the community's exceptional amenities including a pool, tennis courts, game area, picnic pavilion, waterfront gazebo, and scenic lookout tower. HOA dues cover lawn mowing, weed control, and landscaping, allowing for low-maintenance living. This property includes a covered, deeded boat slip (Slip 17), PWC lift, a one-car garage, and four additional parking
Last Agent to Sell the Property
BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE License #0225194874 Listed on: 08/08/2025
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,287
Year Built
- Built in 1998
Lot Details
- 8,712 Sq Ft Lot
- Waterfront
- Level Lot
HOA Fees
- $470 Monthly HOA Fees
Home Design
- Cottage
Interior Spaces
- Living Room with Fireplace
- 2 Fireplaces
- Recreation Room with Fireplace
- Lake Views
- Laundry on main level
- Basement
Kitchen
- Electric Range
- Built-In Microwave
- Dishwasher
Bedrooms and Bathrooms
- 3 Bedrooms | 1 Main Level Bedroom
Parking
- 1 Car Attached Garage
- 4 Open Parking Spaces
- Garage Door Opener
Outdoor Features
- Personal Watercraft Lift
- Boat Hoist or Davit
- 1 Dock Slip
- Deck
- Front Porch
Schools
- Dudley Elementary School
- Ben Franklin Middle School
- Franklin County High School
Utilities
- Heat Pump System
- Underground Utilities
- Electric Water Heater
- Cable TV Available
Listing and Financial Details
- Tax Lot 17
Community Details
Overview
- Mitch Bednar Association
- The Boardwalk Subdivision
Recreation
- Boat Ramp
- Community Pool
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Aug 8, 2025
Closed on
Sep 5, 2025
Sold by
Bought by
Seller's Agent
Jada Turner
BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE
Buyer's Agent
Mike Williams
ML REALTY
List Price
$1,150,000
Sold Price
$1,150,000
Views
25
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$41,540
Avg. Annual Appreciation
3.89%
Original Mortgage
$920,000
Outstanding Balance
$910,633
Interest Rate
6%
Mortgage Type
New Conventional
Estimated Equity
$280,907
Purchase Details
Listed on
Aug 8, 2025
Closed on
Aug 29, 2025
Sold by
Bought by
Seller's Agent
Jada Turner
BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE
Buyer's Agent
Mike Williams
ML REALTY
List Price
$1,150,000
Sold Price
$1,150,000
Views
25
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$920,000
Outstanding Balance
$910,633
Interest Rate
6%
Mortgage Type
New Conventional
Estimated Equity
$280,907
Purchase Details
Closed on
Nov 17, 2011
Sold by
Bought by
Purchase Details
Closed on
Feb 1, 2011
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$222,000
Interest Rate
4.12%
Mortgage Type
New Conventional
Purchase Details
Closed on
Nov 30, 2005
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$283,000
Interest Rate
5.37%
Mortgage Type
New Conventional
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Moneta, VA
-
Adam Lynch
-
Dana Montgomery
Dana Montgomery
Responds QuicklyBERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE
(540) 900-1958
81 Total Sales
23 in North Shore
$25K - $2.1M Price Range
-
Jan McGraw
Jan McGraw
EXP REALTY LLC - STAFFORD
(540) 666-6569
23 Total Sales
9 in North Shore
$86K - $1.4M Price Range
-
Debbie Shelton
Debbie Shelton
BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE
(540) 329-3697
160 Total Sales
26 in North Shore
$6K - $5.7M Price Range
-
Lucinda Scruggs
Lucinda Scruggs
QUALITY REALTY
(540) 401-5951
125 Total Sales
3 in North Shore
$21K - $555K Price Range
-
Brad Thomas
Brad Thomas
Responds QuicklyMOUNTAIN VIEW REAL ESTATE LLC
(540) 900-1493
558 Total Sales
7 in North Shore
$60K - $905K Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| -- | None Listed On Document | ||
| $1,150,000 | Century Title Services | ||
| $749,000 | -- | ||
| -- | -- | ||
| -- | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $920,000 | ||
| Previous Owner | $222,000 | ||
| Previous Owner | $283,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 09/10/2025 09/10/25 | Sold | $1,150,000 | 0.0% | $402 / Sq Ft | |
| 08/10/2025 08/10/25 | Pending | -- | -- | -- | |
| 08/08/2025 08/08/25 | For Sale | $1,150,000 | +9.5% | $402 / Sq Ft | |
| 04/15/2024 04/15/24 | Sold | $1,050,000 | -8.7% | $370 / Sq Ft | View Prior Sale |
| 03/12/2024 03/12/24 | Pending | -- | -- | -- | |
| 02/19/2024 02/19/24 | For Sale | $1,150,000 | -- | $406 / Sq Ft |
Source: Roanoke Valley Association of REALTORS®
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $4,287 | $997,000 | $220,000 | $777,000 |
| 2024 | $4,287 | $997,000 | $220,000 | $777,000 |
| 2023 | $3,840 | $629,500 | $215,000 | $414,500 |
| 2022 | $3,840 | $629,500 | $215,000 | $414,500 |
| 2021 | $3,617 | $629,500 | $215,000 | $414,500 |
| 2020 | $4,063 | $666,000 | $215,000 | $451,000 |
| 2019 | $3,463 | $567,700 | $215,000 | $352,700 |
| 2018 | $3,463 | $567,700 | $215,000 | $352,700 |
| 2017 | $3,122 | $571,400 | $215,000 | $356,400 |
| 2016 | $3,122 | $571,400 | $215,000 | $356,400 |
| 2015 | $3,086 | $571,400 | $215,000 | $356,400 |
| 2014 | $3,086 | $571,400 | $215,000 | $356,400 |
| 2013 | $3,086 | $571,400 | $215,000 | $356,400 |
Source: Public Records
Agents Affiliated with this Home
-
Jada Turner
Seller's Agent in 2025
Jada Turner
BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE
(540) 263-0202
125 Total Sales
-
Mike Williams
Buyer's Agent in 2025
Mike Williams
ML REALTY
(540) 525-2939
66 Total Sales
-
Genie Rust
G
Seller's Agent in 2024
Genie Rust
SETTLELAND & REALTY LLC
(540) 529-3575
11 Total Sales
Map
Source: Roanoke Valley Association of REALTORS®
MLS Number: 919893
APN: 0320610700
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
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