20 Cottage LN, Moneta, VA 24121

$1,150,000

Property Type: Residential Bedrooms: 3 Baths: 3.1 Square Footage: 2,863 Lot Size (sq. ft.): 8,712 Status: Closed

Current Price: $1,150,000 List Date: 8/08/2025 Last Modified: 2/05/2026

Overview

Description

Welcome 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

Supplements: spaces. NEW ROOF 2024. Beautifully maintained and full of charm, this home offers the perfect blend of lake living and year-round convenience in a neighborhood that truly feels like home.

Listing Details MLS# 919893

Location, Tax & Legal

Area: 0490 - SML Franklin County
Street Number: 20
Street Name: Cottage
Street Suffix: LN
State/Province: VA
Zip Code: 24121
Subdivision: The Boardwalk
Municipality: Franklin County
Elementary School: Dudley
Middle School: Ben Franklin Middle
High School: Franklin County
Major Area: 04 - Franklin County
Phase: 0
Subdivision Map: The Boardwalk
Lot: 17
Block: No
Tax ID: 032 06-10700
Annual Taxes: 4287.1
Section: No
POA Y/N: Yes
POA/Condo Dues: 470
POA/Condo Terms A/M: Monthly

General Property Description

Property Sub-Type: Single Family Residence
Residential Type: Detached
Construction Status: Completed
Year Built: 1998
Total Bdrm: 3
Total Bths: 3.1
Total F Baths: 3
Total H Baths: Yes
Entry Above Grd Fin SQFT: 1179
Upper Above Grd Fin SQFT: 745
Lower Below Grd Fin SQFT: 939
Total Fnshd SqFt: 2863
Total Above Grd Fin SQFT: 1924
Grand Total Attached SQFT: 2863
Basement Y/N: Yes
Prim. Covered Prking: Garage Attached
# Prim Cov Spaces: Yes
Uncovered # Spaces: 4
Total Cov'd Prk Spc: Yes
Total Acreage: 0.2
Water Class: Waterfront Property
Water ID: Smith Mtn Lake
Other Above Grd Fin SQFT: 0
Length of Waterfront: 0
Total Unfin SQFT: 0

Status Change Info

Ratified Contract Dt: 2025-08-10
Sold Date: 2025-09-10

Fireplace

# Fireplaces: 2
Gas Log: Yes
Masonry: Yes
Living Room: Yes
Recreation Room: Yes

Internet Access

Cur'nt Internet Prov: Shentel
Cable: Yes

More Information

Primary Bedrooms

Primary BR Entry Lvl: Yes

Bedrooms

BR Entry Level: Yes
BR Upper Level: 2

Full Baths

Full Baths Entry Lvl: Yes
Full Baths Upper Lvl: Yes
Full Baths Lower Lvl: Yes

Half Baths

Half Baths Entry Lvl: Yes

Laundry

Laundry Entry Level: Yes

Water Details

Number Covered Slips: Yes

Remarks & Misc

Directions: Booker T. Washington Hwy (Rt 122) to Scruggs Rd, L into Boardwalk (Boardwalk Drive), R on Cottage Lane, Second home on Right.

Style of House

Cottage: Yes

Limited Service

Not Limited Service: Yes

Lot Description

Down Slope: Yes
Level: Yes

Construction

Wood: Yes

Basement

Full: Yes
Walk-Out Access: Yes

Views

Lake: Yes
Mountain(s): Yes
Sunrise: Yes

Heating

Heat Pump Electric: Yes

Misc Features

Paved Road: Yes
Underground Util: Yes

Cooling

Heat Pump Electric: Yes

Water Description

Public: Yes

Sewer Description

Shared Septic: Yes

Water Heater Type

Tank: Yes

Interior Features

Bookcases: Yes
Cathedral Ceiling(s): Yes
Ceiling Fan(s): Yes
Walk-In Closet(s): Yes

Exterior Features

Deck: Yes
Paved Driveway: Yes

Porch

Covered Porch: Yes
Front Porch: Yes

Appliances

Dishwasher: Yes
Garage Door Opener: Yes
Microwave Oven (Built In): Yes
Range Electric: Yes
Refrigerator: Yes

Floors

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

Boat Dock Desc

Boat Hoist: Yes
Pers WaterCraft Lift: Yes

Area Amenities

Common Pool: Yes
Tennis Court(s): Yes

Water Features

Beach Front: Yes
Cove: Yes
Main Channel: Yes

Windows

Insulated: Yes

Exterior Doors

Full View: Yes

Water Acc Only B

Community Boat Ramp: Yes
Deed/Assgn Dock: Yes

Water Htr Energy

Electric: Yes

Property Features

Style of House: Cottage Limited Service: Not Limited Service Lot Description: Down Slope; Level Construction: Wood Basement: Full; Walk-Out Access Heating: Heat Pump Electric Cooling: Heat Pump Electric Fireplace: Gas Log; Masonry; Living Room; Recreation Room Interior Features: Bookcases; Cathedral Ceiling(s); Ceiling Fan(s); Walk-In Closet(s) Exterior Features: Deck; Paved Driveway Views: Lake; Mountain(s); Sunrise Appliances: Dishwasher; Microwave Oven (Built In); Garage Door Opener; Refrigerator; Range Electric Misc Features: Paved Road; Underground Util Area Amenities: Common Pool; Tennis Court(s) Floors: Carpet; Tile - i.e. ceramic; Wood Windows: Insulated Exterior Doors: Full View Porch: Covered Porch; Front Porch Water Description: Public Sewer Description: Shared Septic Water Heater Type: Tank Water Htr Energy: Electric Internet Access: Cable Water Acc Only B: Deed/Assgn Dock; Community Boat Ramp Boat Dock Desc: Boat Hoist; Pers WaterCraft Lift Water Features: Cove; Main Channel; Beach Front

Room Information

Primary Bedroom Level: Entry Level: Entry Bedroom 2 Level: Upper Level: Upper Bedroom 3 Level: Upper Level: Upper Den Level: Upper Level: Upper Dining Area Level: Entry Level: Entry Foyer Level: Entry Level: Entry Kitchen Level: Entry Level: Entry Laundry Level: Entry Level: Entry Living Room Level: Entry Level: Entry Office Level: Upper Level: Upper Recreation Room Level: Lower Level: Lower

Listing Office: BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE

Last Updated: February - 05 - 2026

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