For sale

$969,000

Est. $5,723/mo —

•

2,796

sq ft

320 Fingerlake Rd, Penhook, VA 24137

About this home

Welcome to your newly remodeled waterfront retreat on Smith Mountain Lake! This stunning 3-bedroom, 3-bathroom home combines modern updates with the relaxed charm of lakefront living. Step inside to discover a thoughtfully renovated interior with comfortable living spaces and breathtaking water views. The finished basement provides additional space for entertaining, complete with a built-in bar--perfect for hosting family and friends after a day on the lake. Outside, enjoy your own private waterfront setting with a large dock, offering plenty of room for boating, swimming, fishing, and soaking in the spectacular Smith Mountain Lake sunsets. Whether you're looking for a peaceful full-time residence, a weekend getaway, or an investment opportunity, this property offers exceptional versatility. With its prime waterfront setting, expansive views, remodeled interiors, finished basement, and impressive dock, this home is ready to enjoy. It also has the potential for use as a short-term rental! Come experience lake life at its finest!

Single-familyProperty Type

1981Year Built

0.49 acresLot Size

$347Price/Sq.Ft.

1 spaceParking

Listed by AUDREY EVANS • RE/MAX LAKEFRONT REALTY INC

Listing updated: Nov 6, 2026 at 12:18pm

Redfin checked: a few seconds ago

•Source:MLSRV #931627

Payment calculator

$5,723 per month

Principal and interest$5,223

Property taxes

$331

HOA dues

Home insurance

$170

Utilities

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Nearby open houses (10)

OPEN SUN, 10AM TO 12PM
$629,950
4 beds3.5 baths2,194 sq ft
1157 Lakeland Pines Dr, Moneta, VA 24121
0.35 acre lot • Garage • Built 2006
OPEN SUN, 12PM TO 2PM
$400,000
3 beds3 baths2,550 sq ft
51 Fairway Oaks Dr, Hardy, VA 24101
$208 HOA • Garage • Built 2004
OPEN SUN, 12PM TO 3PM
$349,990
3 beds2.5 baths1,674 sq ft
18 Greenwood Dr, Hardy, VA 24101
$150 HOA • Garage • Listed 19 days
OPEN SUN, 12PM TO 3PM
$364,990
3 beds2.5 baths1,674 sq ft
36 Greenwood Dr, Hardy, VA 24101
$150 HOA • Garage • Listed 19 days
OPEN SUN, 12PM TO 3PM
$359,990
3 beds2 baths2,274 sq ft
19 Greenwood Dr, Hardy, VA 24101
$150 HOA • Garage • Listed 19 days
OPEN SUN, 12PM TO 3PM
$365,000
3 beds2.5 baths1,674 sq ft
14 Greenwood Dr, Hardy, VA 24101
$150 HOA • Garage • Listed 19 days
OPEN SUN, 1PM TO 3PM
$245,000
3 beds1.5 baths1,660 sq ft
200 Walker Rd, Penhook, VA 24137
0.8 acre lot • Garage • Built 1947
OPEN SUN, 1PM TO 4PM
$1,695,000
5 beds3 baths5,889 sq ft
6641 Horseshoe Bend Rd, Goodview, VA 24095
3.13 acre lot • Garage • Built 1999
OPEN SUN, 2PM TO 4PM
$900,000
5 beds3 baths4,557 sq ft
125 Windtree Ct, Moneta, VA 24121
1.2 acre lot • Garage • Built 2004
OPEN SUN, 2PM TO 4PM
$1,419,000
4 beds3 baths3,808 sq ft
240 Woodland Cove Dr, Moneta, VA 24121
5.07 acre lot • Garage • Built 2019

Around this home

Schools

K - 12
Preschool & daycare

Gretna Elementary School

Public PreK-5 • Assigned • 13.3mi

7/10

Gretna Middle School

Public 6-8 • Assigned • 13.1mi

6/10

Gretna High School

Public 9-12 • Assigned • 13.3mi

4/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Offer insights

320 Fingerlake Rd · $969,000

Strong offer

$956K and above

75% chance or better to win

Why $956K+ is a strong offer

DAYS ON MARKET

The average home goes pending in 59 days.

SALE-TO-LIST

Most homes are selling 4% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Fireplace
Total of 3 rooms

Bedrooms
3 bedrooms total
2 main-level bedrooms

Bathrooms
3 full bathrooms
2 main-level bathrooms

Flooring
Vinyl flooring

Heating & cooling
Heat pump (electric) for heating and cooling

Sale and tax history for 320 Fingerlake Rd

Sale History
Tax History

Date

Event

Price

MLSRV #931627

Oct 18, 2026

Price Changed

$969,000

$347/sq ft

Sep 22, 2026

Listed

$995,000

$356/sq ft

MLSRV #915528

Jul 22, 2025

Sold

$650,000

$232/sq ft

May 7, 2025

Pending

—

Mar 25, 2025

Listed

$795,000

$284/sq ft

+27

A Rare Waterfront Opportunity on Smith Mountain Lake! This sprawling 3-bedroom, 3-bath ranch-style home with a finished terrace level is brimming with potential and ready for your personal touch. Perfectly positioned to take in the beauty of Smith Mountain Lake, the open floor plan features a spacious sunroom offering panoramic lake views, along with multiple decks and porches ideal for outdoor living and entertaining. Downstairs, the terrace level boasts a cozy stone fireplace and an impressive bar area—perfect for hosting gatherings or relaxing after a day on the water. Whether you're looking for a full-time residence, a vacation retreat, or an investment property, this rare lakefront gem checks all the boxes—and short-term rentals are allowed, offering incredible income potential Seller is now offering short term owner financing with an acceptable offer. Fantastic investment opportunity.

Year

Property tax

Land + Additions

Assessment*

2026

$3,355 (+10.7%)

$300,000 + $241,100

$541,100

2025

$3,030

$300,000 + $241,100

$541,100

2024

$3,030 (+35.3%)

$300,000 + $241,100

$541,100

2023

$2,240

$200,000 + $161,300

$361,300

2022

$2,240 (+100.0%)

$200,000 + $161,300

$361,300

2021

$1,120 (−50.0%)

$200,000 + $161,300

$361,300

2020

$2,240

$200,000 + $161,300

$361,300

2019

$2,240

$200,000 + $161,300

$361,300

2018

$2,240 (+5.1%)

$200,000 + $161,300

$361,300

2017

$2,130

2016

$2,130

2014

$2,130

Public record

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

0.49 Acres

Year renovated

—

Finished Sq. Ft.

2,796

Unfinished Sq. Ft.

—

Total Sq. Ft.

2,796

Year built

1981

Style

Mobile/Manufactured Home

County

Pittsylvania County

APN

1563-42-1053

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 8, 2026.

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, 19 days in 30 years

2/10 Wind Factor

4% 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

Penhook, VA • 24137

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

Try the sun simulator tool to see how light moves across the property at different times of day and year.

Provided by Shadowmap

Redfin Estimate for 320 Fingerlake Rd

$935,068

$34K under list price of $969K

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $880K to $1.5M.

SOLD OCT 2, 2026
$1,145,000 Last sold price
3 beds4 baths3,024 sq ft
121 Penhook Pt, Penhook, VA 24137
$32/sq ft
larger lot
15 years newer
SOLD SEP 25, 2026
$880,000 Last sold price
5 beds4.5 baths3,828 sq ft
25 Lands End Cir, Union Hall, VA 24176
$117/sq ft
smaller lot
26 years newer
SOLD SEP 10, 2026
$980,000 Last sold price
3 beds2 baths1,932 sq ft
200 Anthony Home Rd, Huddleston, VA 24104
$160/sq ft
larger lot
19 years newer
SOLD SEP 15, 2026
$1,539,565 Last sold price
5 beds4 baths3,689 sq ft
2810 Waters Edge Dr, Penhook, VA 24137
$70/sq ft
11 years newer
SOLD JUL 14, 2026
$1,200,000 Last sold price
4 beds3 baths3,504 sq ft
80 Pinewood Dr, Penhook, VA 24137
$5/sq ft
larger lot
34 years newer
SOLD DEC 1, 2025
$1,045,000 Last sold price
3 beds2.5 baths3,200 sq ft
245 Key West St, Moneta, VA 24121
$20/sq ft
larger lot
34 years newer

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Early Access listings

EARLY ACCESSCOMPASS COMING SOON

$535,000

3 beds2 baths2,277 sq ft

1439 Courthouse Rd, Louisa, VA 23093

EARLY ACCESSREDFIN COMING SOON

$790,000

4 beds3 baths5,211 sq ft

16410 Little River Dr, Beaverdam, VA 23015

EARLY ACCESSREDFIN COMING SOON

$394,000

3 beds2.5 baths2,384 sq ft

7477 Lexington Dr, Mechanicsville, VA 23111

Nearby similar homes

FOR SALE BY OWNER3D WALKTHROUGH

$395,000

2 beds2 baths1,074 sq ft

1273 Graves Harbor Trl, Huddleston, VA 24104

Sweeping lake views • Recently remodeled • Community beach

$2,750,000

6 beds3.5 baths4,196 sq ft

103 Bluebird Ct, Huddleston, VA 24104

Water views • Screened porch • Double-slip dock

NEW CONSTRUCTION

$899,000

4 beds3.5 baths4,088 sq ft

27 Smokehouse Rd, Moneta, VA 24121

Water access • Lake view • Stunning kitchen

$995,000

6 beds4 baths6,314 sq ft

235 Waverly Ln, Moneta, VA 24121

Private wooded lots • Leased covered slip • Two master suites

NEW CONSTRUCTION

$2,950,000

5 beds5.5 baths5,880 sq ft

51 Island View Dr, Penhook, VA 24137

Waterfront home • Private master suite • Gourmet kitchen

NEW CONSTRUCTIONVIDEO TOUR

$3,999,000

5 beds7 baths6,892 sq ft

104 Mountain Gln Dr, Penhook, VA 24137

Waterfront living • Private retreat • Vaulted great room

New listings for sale in 24137

OPEN SUN, 1PM TO 3PM

$245,000

3 beds1.5 baths1,660 sq ft

200 Walker Rd, Penhook, VA 24137

Primary en-suite • Working wood stove • Spacious kitchen

$1,499,000

4 beds4.5 baths3,221 sq ft

6 Low Country Dr, Penhook, VA 24137

Lakefront living • Secluded acres • 1.7 acre lot

$599,000

3 beds2 baths1,596 sq ft

348 Munsons Rd, Penhook, VA 24137

Walk-in closet • Soaking tub • Gas log fireplace

Details provided by MLSRV and may not match the public record. Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Payment calculator

Affordability tools

See this home in person

Nearby open houses (10)

Around this home

Schools

Lifestyle

Offer insights

Property details

Sale and tax history for 320 Fingerlake Rd

Public record

Climate risks

Historical weather

Sun exposure

Redfin Estimate for 320 Fingerlake Rd

Early Access listings

Nearby similar homes

New listings for sale in 24137

More real estate resources