This is The ONE! Your very own picture-perfect mountain lake home and massive boat dock situated in a very expansive deep water cove just off of the main channel with far-reaching lake and mountain views. You will enjoy your grand-fathered private sandy beach and over 200' linear feet of shoreline and an oversized, magnificent boat dock with 2 covered bays each with electric boat lifts can fit boats ranging up to 24' and 44' feet in length respectively and has 2 additional jet ski lifts. There is plenty of space between the homes and docks such that it creates that 'lake getaway'' feeling. There is also a cedar steam sauna and freshwater shower and sink on the boat dock. * Ask your agent for additional details. This gorgeous gated Viceroy stone cabin is magnificent and built with beautiful with beautiful high-quality, construction throughout; custom hardwood flooring, exquisite kitchen cabinetry, open concept living, and massive stone fireplaces. From floor to ceiling every material is superb! You will see birch, maple, and cherry wood species on floors, trim, ceilings, doors, and cabinetry. The vaulted ceiling with a massive bank of UV tinted windows that take premium advantage of the views from all of the primary living spaces. Other feature highlights include media projector and screen room, smart home security and automation systems, whole house stereo, landscape sprinkler system, enormous split level deck with hot tub, 3 car garage. The location by land and water could not be better! This home is located near channel marker R15 in Montego Bay just off the main Westlake corridor where shopping, medical, and entertainment are widely available. This is a smaller well-established neighborhood of high-end homes and with a very reasonable HOA boasting annual dues of only $600 per year. Make this your weekend getaway or your forever home. It's waiting for family and friends to make memories of a lifetime.
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
3
Baths
3.5
Stories
1.9
Lot width
—
Lot depth
—
Lot size
1.03 Acres
Year renovated
2014
Sq. Ft.
4,505
Year built
2001
Style
Single Family Residential
County
Franklin County
APN
032/07/027/00////
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 29, 2026.
A1
Agricultural District
This district includes unincorporated portions of the county that are occupied by various open uses such as farms, forests, lakes, reservoirs, streams and park lands. This district is established for the purpose of facilitating existing and future farming operations, preserving farm and forest lands, conserving water and other natural resources, reducing soil erosion, preventing water pollution, and protecting watersheds and reducing hazards from flood and fire.
Permitted uses
Include but are not limited to:
Agriculture
Greenhouse / nursery
Assembly / meeting place
Religious facility
Day care facility
Commercial & retail-Other
Housing-Single unit
Bed & breakfast
Library
Veterinary clinic
Property details
Parking
Garage and Parking Information
# of Covered Spaces: 3
# of Open Parking Spaces: 4
Other Parking: Off Street Parking
Interior
Bedroom Information
# of Bedrooms (Total): 5
# of Main Level Bedrooms: 1
Bathroom Information
# of Full Bathrooms: 3
# of Half Bathrooms: 1
# of Main Level Bathrooms: 1
Fireplace Information
Has Fireplace
# of Fireplaces (Total): 2
Interior Features
Appliances: Garage Door Opener, Microwave Oven (Built In)
Door Features: Full View, Wood
Window Features: Clad
Flooring: Carpet, Tile, Wood
Interior Features: Sauna
Exterior
Building Information
Building Area (Total): 4,505
Year Built: 2001
Property Information
PropertyType: Residential
Lot Information
Lot Size Area: 1.03
Lot Size Acres: 1.03
Lot Size Square Feet: 44,866.8
Lot Size Units: Acres
Waterfront: Yes
Water Body Name: Smith Mtn Lake
Waterfront Features: Cove, Riprap Shoreline
Financial
Tax Information
Tax Annual Amount: $6,378
Parcel Number: 0320702700
Utilities
Heating & Cooling
Has Heating
Heating: Heat Pump
Location
HOA Information
Has Home Owners Association
Association Fee: $600
Association Fee Frequency: Annually
School Information
Elementary School: Dudley
Middle Or Junior School: Ben Franklin Middle
High School: Franklin County
Location Information
Directions: 122S to L-616 to L-Bluewater to R-Saunders Farm to R-Winding Waters into Montego Bay. R-Montego Bay Dr, L-Mango to end of cull-de-sac.
Community Information
Community Features: Private Golf, Restaurant
Public facts
Beds: 3
Baths: 3.5
Sq. Ft.: 4,505
Stories: 1.9
Lot Size: 1.03 acres
Style: Single Family Residential
Year Built: 2001
Year Renovated: 2014
County: Franklin County
APN: 032/07/027/00////
Home facts updated by county records on Jul 29, 2026
Other
Listing Information
ListingId: 885892
ListPrice: $1,650,000
Around this home
Schools
Dudley Elementary School
Public PreK-5 • Assigned • 6.1mi
6/10
Benjamin Franklin Middle School
Public 6-8 • Assigned • 14.2mi
7/10
Franklin County High School
Public 9-12 • Assigned • 14.2mi
4/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
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
6/10 Heat Factor
7 days above 101° expected this year, 19 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
In this area, properties receive around 9.1 hours in
June and 4.8 hours in December, placing it below the
U.S. average for solar exposure.
9.1 hrs
4.8 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$1.85M – $2.23M
Sell confidently with a local market expert in Moneta. 3 minutes to get started.