103 White Oak CIR, Moneta, VA 24121

$1,050,000

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Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 2,288 Lot Size (sq. ft.): 39,204 Status: Active

Current Price: $1,050,000 List Date: 7/22/2026 Last Modified: 8/05/2026

Overview

Description

Welcome to Isle of Pine, and this Peaceful Waterfront Retreat in the Heart of Smith Mountain Lake. This spacious home offers five bedrooms on the upper level, including a comfortable primary suite. While the lower level provides a spacious family room, dining area, eat-in kitchen, an additional full bathroom, and laundry area. Enjoy scenic views from the full-length upper deck with wheelchair access or relax on the lower patio. A detached garage with separate rooms provides abundant storage and flexible space for your needs. A gently sloping concrete walkway leads to your private dock, complete with two covered boat slips and a floater, perfect for enjoying all that Smith Mountain Lake has to offer right now (Owners are currently able to launch their boat and jet ski). The Isle of Pine

Supplements: community offers an impressive array of amenities, including a boat ramp, trailer storage, tennis courts, horseshoes, volleyball, walking trails, and campground sites. Conveniently located near downtown Moneta and Bridgewater Plaza, this property offers the ideal combination of peaceful lake living and easy access to shopping, dining, and entertain ... (Read more)

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Listing Details MLS# 929699

Location, Tax & Legal

Area: 0690 - SML Bedford County
Street Number: 103
Street Name: White Oak
Street Suffix: CIR
State/Province: VA
Zip Code: 24121
Subdivision: Isle Of Pines
Municipality: Bedford County
Elementary School: Moneta
Middle School: Staunton River
High School: Staunton River
Major Area: 06 - Bedford County
Phase: 0
Subdivision Map: 24227400
Lot: 81
Block: No
Tax ID: 242B 2 81
Annual Taxes: 2366.11
Section: No
POA Y/N: Yes
POA/Condo Dues: 230
POA/Condo Terms A/M: Annual

General Property Description

Property Sub-Type: Single Family Residence
Residential Type: Detached
Construction Status: Completed
Year Built: 1977
Total Bdrm: 5
Total Bths: 3
Total F Baths: 3
Upper Above Grd Fin SQFT: 1144
Lower Below Grd Fin SQFT: 1144
Total Fnshd SqFt: 2288
Total Above Grd Fin SQFT: 1144
Grand Total Attached SQFT: 2288
Basement Y/N: Yes
Prim. Covered Prking: Garage Detached
# Prim Cov Spaces: Yes
Uncovered Parking: Off Street Parking
Uncovered # Spaces: 6
Total Cov'd Prk Spc: Yes
Total Acreage: 0.9
Water Class: Waterfront Property
Water ID: Smith Mtn Lake
Length of Waterfront: 100
Entry Above Grd Fin SQFT: 0
Other Above Grd Fin SQFT: 0
Total Unfin SQFT: 0

Fireplace

# Fireplaces: Yes
Living Room: Yes

Primary Bedrooms

Primary BR Upper Lvl: Yes

Bedrooms

BR Upper Level: 5

More Information

Full Baths

Full Baths Upper Lvl: 2
Full Baths Lower Lvl: Yes

Laundry

Laundry Lower Level: Yes

Water Acc Only A

Access - On/Off Site: On Site

Remarks & Misc

Directions: From 122, take Hendricks Store Rd. to R on Isle of Pine, to R on White Oak. First driveway on the right.

Style of House

Split-Foyer: Yes

Limited Service

Not Limited Service: Yes

Lot Description

Gentle Sloping: Yes

Construction

Brick: Yes
Wood: Yes

Basement

Full: Yes
Walk-Out Access: Yes

Views

Lake: Yes

Heating

Heat Pump Electric: Yes

Misc Features

Paved Road: Yes

Cooling

Heat Pump Electric: Yes

Water Description

Public: Yes

Sewer Description

Public Sewer: Yes

Water Heater Type

Tank: Yes

Interior Features

Ceiling Fan(s): Yes

Exterior Features

Deck: Yes
Paved Driveway: Yes

Appliances

Clothes Dryer: Yes
Clothes Washer: Yes
Dishwasher: Yes
Range Electric: Yes
Refrigerator: Yes

Floors

Carpet: Yes
Tile - i.e. ceramic: Yes

Boat Dock Desc

A-Roof: Yes
Boat Hoist: Yes
Floater: Yes

Area Amenities

Tennis Court(s): Yes
Trail Access: Yes

Water Features

Cove: Yes
Riprap Shoreline: Yes

Water Htr Energy

Electric: Yes

Property Features

Style of House: Split-Foyer Limited Service: Not Limited Service Lot Description: Gentle Sloping Construction: Brick; Wood Basement: Full; Walk-Out Access Heating: Heat Pump Electric Cooling: Heat Pump Electric Fireplace: Living Room Interior Features: Ceiling Fan(s) Exterior Features: Deck; Paved Driveway Views: Lake Appliances: Dishwasher; Clothes Dryer; Refrigerator; Range Electric; Clothes Washer Misc Features: Paved Road Area Amenities: Tennis Court(s); Trail Access Floors: Carpet; Tile - i.e. ceramic Water Description: Public Sewer Description: Public Sewer Water Heater Type: Tank Water Htr Energy: Electric Boat Dock Desc: A-Roof; Floater; Boat Hoist Water Features: Cove; Riprap Shoreline

Room Information

Room Name	Level
Primary Bedroom	Upper
Bedroom 2	Upper
Bedroom 3	Upper
Bedroom 4	Upper
Bedroom 5	Upper
Dining Area	Lower
Eat-in Kitchen	Lower
Family Room	Lower
Kitchen	Lower
Laundry	Lower
Living Room	Lower

Listing Office: MKB, REALTORS® - AT THE LAKE

Last Updated: August - 05 - 2026

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