Price improvement! Wake up each morning to peaceful water views and the quiet comfort of single-level living in the inviting Mallard Cove Estates. This is a true water-access home--offering the lake lifestyle without paying the waterfront price. Updates since 2025 include upgraded kitchen cabinetry, an elegant LED-lit backsplash, refreshed ceiling fans, a fully serviced septic system with riser, HVAC cleaning, new crawlspace lighting, generator back-feed wiring, epoxy-mortar sidewalks, professionally reseeded grounds, and many more improvements too numerous to list. Every detail has been handled so you can simply settle in and enjoy the ease of lakeside living. Set on 1.24 acres of lush, usable land, the property feels like your own private retreat. Evenings are made for unwinding under the freshly painted, electricity-equipped gazebo/pavilion on its solid concrete slab--perfect for outdoor dinners, morning coffee, or gathering with friends. The garden shed and wooded backdrop add charm and privacy, creating a sense of space that feels both expansive and intimate.
Just a short stroll down the road, the lake becomes an extension of your backyard. Launch a boat from the community ramp, spend the afternoon at the day docks, or enjoy a picnic by the water. Whether you're seeking quiet weekends, memorable summers, or a year-round escape, this home offers a lifestyle centered around ease, nature, and the simple joy of being near the lake.
For sale
Price cut: $5.5K (8/13)
$449,000
414 Mallard Cove Rd, Moneta, VA 24121
3beds
1,728sqft
Single Family Residence
Built in 1999
1.24 Acres Lot
$-- Zestimate®
$260/sqft
$17/mo HOA
What's special
New crawlspace lightingProfessionally reseeded groundsEpoxy-mortar sidewalksGarden shedPeaceful water viewsUpgraded kitchen cabinetryElegant led-lit backsplash
- 150 days
- 756
- 35
Zillow last checked:
Listing updated:
Listed by:
MELINDA KAY MILLER 540-814-2234,
LAKE RETREAT PROPERTIES INC. 540-297-6002
Source: RVAR,MLS#: 927007
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Heating
- Heat Pump Electric
Cooling
- Heat Pump Electric
Appliances
- Included: Microwave Oven (Built In)
Features
- Flooring: Tile, Wood, Luxury Vinyl Plank
- Doors: Insulated
- Windows: Insulated Windows
- Basement: Crawl Space
- Number of fireplaces: 1
- Fireplace features: Family Room
Interior area
- Total structure area: 1,728
- Total interior livable area: 1,728 sqft
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 6
- Parking features: Paved Driveway
- Uncovered spaces: 6
- Details: Off Street Parking
Features
- Patio & porch: Front Porch, Side Porch, Covered Porch, Deck
- Exterior features: Garden Space
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Body of water: Smith Mtn Lake
Lot
- Size: 1.24 Acres
- Features: Gentle Sloping, Views
Details
- Parcel number: 030 07026 00
- Zoning: A1
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
Condition
- Year built: 1999
Utilities & green energy
- Sewer: Private Septic
- Water: Private Well
- Utilities for property: Underground Utilities
Community & HOA
Community
- Features: Marina Access
- Subdivision: Mallard Cove Estates
HOA
- Has HOA: Yes
- HOA fee: $200 annually
Location
- Region: Moneta
Financial & listing details
- Price per square foot: $260/sqft
- Tax assessed value: $356,800
- Annual tax amount: $1,535
- Date on market: 4/28/2026
- Cumulative days on market: 152 days
Estimated market value
Not available
Estimated sales range
Not available
$2,201/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/13/2026 | Price change | $449,000-1.2%$260/sqft |
Source: | ||
| 7/23/2026 | Price change | $454,500-3.2%$263/sqft |
Source: | ||
| 6/26/2026 | Price change | $469,500-2%$272/sqft |
Source: | ||
| 5/14/2026 | Price change | $479,000-2.1%$277/sqft |
Source: | ||
| 4/28/2026 | Listed for sale | $489,321+11.2%$283/sqft |
Source: | ||
| 7/28/2025 | Sold | $440,000-2%$255/sqft |
Source: | ||
| 7/1/2025 | Pending sale | $449,000$260/sqft |
Source: | ||
| 5/23/2025 | Listed for sale | $449,000+142.7%$260/sqft |
Source: | ||
| 7/16/2018 | Sold | $185,000+5.1%$107/sqft |
Source: | ||
| 5/16/2018 | Listed for sale | $176,000-14.1%$102/sqft |
Source: LAKE & LAND REALTY #848487 Report a problem | ||
| 2/17/2011 | Sold | $204,950$119/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,534 | $356,800 |
| 2024 | $1,534 +17.6% | $356,800 +66.8% |
| 2023 | $1,305 | $213,900 |
| 2022 | $1,305 +0% | $213,900 |
| 2021 | $1,305 | $213,900 |
| 2020 | $1,305 +29.1% | $213,900 +29.1% |
| 2019 | $1,011 | $165,700 |
| 2018 | $1,011 +36.4% | $165,700 -6.9% |
| 2017 | $741 -18.7% | $177,900 |
| 2016 | $911 | $177,900 |
| 2015 | $911 -5.1% | $177,900 |
| 2014 | $961 | -- |
| 2013 | $961 | $177,900 |
| 2012 | -- | -- |
| 2011 | -- | -- |
| 2010 | -- | -- |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 24121
Nearby schools
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.







