From the moment you enter this idyllic property through the majestic stone and wrought iron entrance gates, you sense something special awaits. This exceptional updated like-new waterfront home sits on a very gently sloping lot, offering privacy, security and very nice lake views. The owners have invested significant love and money over the years updating the property with many highly desired quality features. Major updates include Approved 6 Bedroom Septic Permit, Composite Decking on the front and rear decks providing low maintenance, charm and quality finishes; a beautiful Granite Countertop in the updated kitchen making it a special place to work and entertain, Updated Bathrooms throughout the house, a fully Finished Basement with luxury vinyl flooring, two New Bathrooms a comfortable Family Room and a 'Flexible' area that could be more bedrooms or a workout area or a workshop just waiting for you to decide what to call it; and the construction of a large detached $100,000 Shop Building (28' deep x 40' wide x 10' high) with heating and cooling providing 1120sf of year round work space with 3 bays and also features 10' x 40' of upstairs storage. Additionally, the house has a New Furnace. Both new furnaces can be monitored from your Cell Phone! A list of the numerous updates is detailed in the Document file. This house has never been short-term rented but would be ideal for that use. The house currently has a 3-bedroom septic system but engineering is complete to expand to a 6-bedroom system, awaiting only county approval. See the Document File The Flexible Space shown on the basement floor plan could easily be converted to additional bedroom space. Being good stewards of the property, the owners also updated the waterfront which is only a few steps from the back door making it an easy multigenerational walk to enjoy the water. The dock has been enlarged and extended further into the lake, creating a fully functional boat lift that currently provides lake access even when the water level is 5' below full pond. The cove's gentle nature has created a highly desired beach area coveted by all ages, making it ideal for boating and swimming. This property provides the unique opportunity to enjoy the lake's most sought-after amenities: A Quality Built Home, An Abundance of Bedrooms and Bathrooms, Large Work Shop, Gently Sloping Lot, Central Location by Land and Lake, Short Term Rental Potential, Close to the SML Airport, Only a Few Steps from the Lake, Quiet Water and a Beach! Come live the Lake Dream!
Single-familyProperty Type
2003Year Built
1.05 acresLot Size
$462Price/Sq.Ft.
$24/moHOA Dues
5 spacesParking
Listed by JIM SINGLETON• BUYERS AGENCY OF SMITH MOUNTAIN LAKE LLC
This 2003 home has never been rented, one owner. 3 BR on the main level & 2 full & one 1/2 bath. 2 car garage, paved drive, large back deck and patio. Great party deck dock built in the late 1990's. Short gentle walk to dock. This home is within walking distance to the SML Airport. A perfect home for a pilot or for full time or as a rental. Move in ready and neat as a pin.
Year
Property tax
Land + Additions
Assessment*
2026
$2,865
$300,000 + $398,900
$698,900
2025
$2,865
$300,000 + $398,900
$698,900
2024
$2,865 (+30.4%)
$300,000 + $398,900
$698,900
2021
$2,198
$220,000 + $219,500
$439,500
2020
$2,198
$220,000 + $219,500
$439,500
2019
$2,198 (+6.5%)
$220,000 + $219,500
$439,500
2018
$2,063
2017
$2,063
2016
$2,063 (−1.0%)
$200,000 + $196,800
$396,800
2014
$2,083
$202,500 + $198,100
$400,600
Public record
Public record
Zoning
Permits
Beds
—
Baths
3
Stories
1
Lot width
—
Lot depth
—
Lot size
1.05 Acres
Year renovated
—
Finished Sq. Ft.
1,508
Unfinished Sq. Ft.
—
Total Sq. Ft.
1,508
Year built
2003
Style
Single Family Residential
County
Bedford County
APN
24323300
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 21, 2026.
R-1
AO
WHP
Low Density Residential District
The R-1, Low density residential district is established for areas of the county within the urban service area with existing low-middle density residential development, with an average density of from one (1) to three (3) units per acre, and land which appears appropriate for such development. The R-1 district is intended to provide the highest degree of protection from potentially incompatible uses and residential development of a significantly different density, size, or scale, in order to maintain the health, safety, appearance, and overall quality of life of existing and future neighborhoods.
Zone overlays
Well-Head Protection Overlay District
Permitted uses
Include but are not limited to:
Housing-Other
Infrastructure
Post office
Oct 20, 2021 • Final
Residential building - accessory structure
ADU
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
5/10 Heat Factor
7 days above 101° expected this year, 18 days in 30 years
2/10 Wind Factor
3% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Moneta, VA • 24121
Average low and high temperatures (°F)
43
27
49
33
66
42
73
52
74
56
85
65
88
71
80
65
79
60
70
50
61
43
47
32
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
99/ 100
Exceptional sunlight
Sunscore
This home receives average direct sun exposure in Moneta. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.4 hrs
5.8 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 1811 Cutlass Rd
$1,371,711
$18K under list price of $1.39M
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $575K to $1.9M.