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 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.
Sold for $1,150,000
$1,150,000
20 Cottage Ln, Moneta, VA 24121
3beds
2,863sqft
Single Family Residence
Built in 1998
8,712 Square Feet Lot
$1,195,500 Zestimate®
$402/sqft
$3,952 Estimated rent
Home value
$1,195,500
$777,000 - $1.84M
$3,952/mo
Zestimate® history
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List your homeWhat's special
Waterfront gazeboPwc liftOne-car garageGame areaThoughtfully designed living spaceCovered deeded boat slipScenic lookout tower
Zillow last checked:
Listing updated:
Listed by:
JADA A. TURNER 540-263-0202,
BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE
Bought with:
MIKE WILLIAMS, 0225234646
ML REALTY BROKERED BY MAGNOLIA MOUNTAIN REALTY LLC
Source: RVAR,MLS#: 919893
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Primary bedroom
- Level: E
Bedroom 2
- Level: U
Bedroom 3
- Level: U
Den
- Level: U
Dining area
- Level: E
Foyer
- Level: E
Kitchen
- Level: E
Laundry
- Level: E
Living room
- Level: E
Office
- Level: U
Recreation room
- Level: L
Heating
- Heat Pump Electric
Cooling
- Heat Pump Electric
Appliances
- Included: Dishwasher, Microwave, Electric Range, Refrigerator
Features
- Flooring: Carpet, Ceramic Tile, Wood
- Doors: Full View
- Windows: Insulated Windows
- Has basement: Yes
- Number of fireplaces: 2
- Fireplace features: Gas Log, Living Room, Masonry, Recreation Room
Interior area
- Total structure area: 2,863
- Total interior livable area: 2,863 sqft
- Finished area above ground: 1,924
- Finished area below ground: 939
Property
Parking
- Total spaces: 5
- Parking features: Attached, Paved, Garage Door Opener
- Has attached garage: Yes
- Covered spaces: 1
- Uncovered spaces: 4
Features
- Patio & porch: Deck, Front Porch
- Has view: Yes
- View description: Sunrise
- Has water view: Yes
- Water view: Lake
- Waterfront features: Waterfront, Cove, Main Channel
- Body of water: Smith Mtn Lake
Lot
- Size: 8,712 sqft
- Features: Sloped Down, Level
Details
- Parcel number: 032 0610700
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subtype: Single Family Residence
Materials
- Wood
Condition
- Completed
- Year built: 1998
Utilities & green energy
- Electric: 0 Phase
- Sewer: Shared Septic
- Utilities for property: Underground Utilities, Cable
Community & neighborhood
Community
- Community features: Pool
Location
- Region: Moneta
- Subdivision: The Boardwalk
HOA & financial
HOA
- Has HOA: Yes
- HOA fee: $470 monthly
Other
Other facts
- Road surface type: Paved
Price history
| Date | Event | Price |
|---|---|---|
| 9/10/2025 | Sold | $1,150,000$402/sqft |
Source:  RVAR #919893 Report a problem | ||
| 8/11/2025 | Pending sale | $1,150,000$402/sqft |
Source: RVAR #919893 Report a problem | ||
| 8/8/2025 | Listed for sale | $1,150,000+9.5%$402/sqft |
Source: RVAR #919893 Report a problem | ||
| 4/15/2024 | Sold | $1,050,000-8.7%$367/sqft |
Source: RVAR #905078 Report a problem | ||
| 3/12/2024 | Pending sale | $1,150,000$402/sqft |
Source: RVAR #905078 Report a problem | ||
| 2/19/2024 | Listed for sale | $1,150,000+9.6%$402/sqft |
Source: RVAR #905078 Report a problem | ||
| 8/7/2023 | Listing removed | -- |
Source: RVAR #899058 Report a problem | ||
| 7/18/2023 | Pending sale | $1,049,000$366/sqft |
Source: RVAR #899058 Report a problem | ||
| 7/10/2023 | Listing removed | -- |
Source: RVAR #899058 Report a problem | ||
| 6/29/2023 | Pending sale | $1,049,000$366/sqft |
Source: RVAR #899058 Report a problem | ||
| 6/23/2023 | Listed for sale | $1,049,000+39.9%$366/sqft |
Source: RVAR #899058 Report a problem | ||
| 1/1/2019 | Listing removed | $749,900$262/sqft |
Source: BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE #851320 Report a problem | ||
| 8/9/2018 | Listed for sale | $749,900+0.1%$262/sqft |
Source: BERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE #851320 Report a problem | ||
| 11/17/2011 | Sold | $749,000$262/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,287 | $997,000 |
| 2024 | $4,287 +11.6% | $997,000 +58.4% |
| 2023 | $3,840 | $629,500 |
| 2022 | $3,840 +0% | $629,500 |
| 2021 | $3,840 -5.5% | $629,500 |
| 2020 | $4,063 +17.3% | $629,500 +10.9% |
| 2019 | $3,463 | $567,700 |
| 2018 | $3,463 | $567,700 -0.6% |
| 2017 | $3,463 +10.9% | $571,400 |
| 2016 | $3,122 | $571,400 |
| 2015 | $3,122 +1.2% | $571,400 |
| 2014 | $3,086 | -- |
| 2013 | $3,086 | $571,400 |
| 2012 | -- | -- |
| 2011 | -- | -- |
| 2010 | -- | -- |
Find assessor info on the county website
Neighborhood: 24121
Nearby schools
GreatSchools rating
- 6/10Dudley Elementary SchoolGrades: PK-5Distance: 7 mi
- 7/10Benjamin Franklin Middle SchoolGrades: 6-8Distance: 14.9 mi
- 4/10Franklin County High SchoolGrades: 9-12Distance: 14.8 mi
Schools provided by the listing agent
- Elementary: Dudley
- Middle: Ben Franklin Middle
- High: Franklin County
Source: RVAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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- Virginia
- Franklin County
- Moneta
- 24121
- 20 Cottage Ln
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