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$995,000
103 White Oak CIR
Moneta, VA 24121
MLS# 929699
5 beds  |  3 baths  |  2288 sqft
Smith Mountain Lake Home
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Smith Mountain Lake Home 103 White Oak Cir 01-DJI_20260721093710_0001 02-DJI_20260721093806_0004 08-DSC01141 09-DSC01144 10-DSC01147 11-DSC01150 12-DSC01153 13-DSC01156 14-DSC01159 15-DSC01162 16-DSC01165 17-DSC01168 Lower Bath Lower Laundry Primary Primary Bath Primary Bath #2 Bedroom #3 Bedroom 25-DSC01195 #4 Bedroom #5 Bedroom Upper Hall Bathroom 29-DSC01225 30-DSC01231 31-DSC01234 32-DSC01237 39-DSC01210 40-DSC01213 41-DSC01216 42-DSC01219 43-DJI_20260721094032_0013 44-DJI_20260721093843_0007 45-DJI_20260721094111_0016 04-DJI_20260721093916_0010 46-DJI_20260721094154_0019 48-DJI_20260721094352_0025 49-Floor Plan IMG_0005 Community Boat Ramp Community Community Community Community Community

Property Description
Welcome to Isle of Pine, and this Peaceful Waterfront Retreat in the Heart of Smith Mountain Lake. This spacious home offers five bedrooms on the upper level, including a comfortable primary suite. While the lower level provides a spacious family room, dining area, eat-in kitchen, an additional full bathroom, and laundry area. Enjoy scenic views from the full-length upper deck with wheelchair access or relax on the lower patio. A detached garage with separate rooms provides abundant storage and flexible space for your needs. A gently sloping concrete walkway leads to your private dock, complete with two covered boat slips and a floater, perfect for enjoying all that Smith Mountain Lake has to offer right now (Owners are currently able to launch their boat and jet ski). The Isle of Pine

Details
Maps
General Property Description
Property Sub-Type: Single Family Residence
Residential Type: Detached
Construction Status: Completed
Year Built: 1977
Total Bdrm: 5
Total Bths: 3
Total F Baths: 3
Upper Above Grd Fin SQFT: 1144
Lower Below Grd Fin SQFT: 1144
Total Fnshd SqFt: 2288
Total Above Grd Fin SQFT: 1144
Grand Total Attached SQFT: 2288
Basement Y/N: Yes
Prim. Covered Prking: Garage Detached
# Prim Cov Spaces: 1
Uncovered Parking: Off Street Parking
Uncovered # Spaces: 6
Total Cov'd Prk Spc: 1
Total Acreage: 0.9
Water Class: Waterfront Property
Water ID: Smith Mtn Lake
Length of Waterfront: 100
Location, Tax & Legal
Area: 0690 - SML Bedford County
Street Number: 103
Street Name: White Oak
Street Suffix: CIR
State/Province: VA
Zip Code: 24121
Subdivision: Isle Of Pines
Municipality: Bedford County
Elementary School: Moneta
Middle School: Staunton River
High School: Staunton River
Fireplace
# Fireplaces: 1
Water Acc Only A
Access - On/Off Site: On Site
Primary Bedrooms
Primary BR Upper Lvl: 1
Bedrooms
BR Upper Level: 5
Full Baths
Full Baths Upper Lvl: 2
Full Baths Lower Lvl: 1
Laundry
Laundry Lower Level: 1
Contract Information
Current Price: $995,000
List Price: $995,000
List Date: 2026-07-22
Status: Active
Property Features
Style of House: Split-Foyer
Limited Service: Not Limited Service
Lot Description: Gentle Sloping
Construction: Brick; Wood
Basement: Full; Walk-Out Access
Heating: Heat Pump Electric
Cooling: Heat Pump Electric
Fireplace: Living Room
Interior Features: Ceiling Fan(s)
Exterior Features: Deck; Paved Driveway
Views: Lake
Appliances: Dishwasher; Clothes Dryer; Refrigerator; Range Electric; Clothes Washer
Misc Features: Paved Road
Area Amenities: Tennis Court(s); Trail Access
Floors: Carpet; Tile - i.e. ceramic
Water Description: Public
Sewer Description: Private Septic
Water Heater Type: Tank
Water Htr Energy: Electric
Boat Dock Desc: A-Roof; Floater; Boat Hoist
Water Features: Cove; Riprap Shoreline
Water Details: Short Term Rental
Supplements
community offers an impressive array of amenities, including a boat ramp, trailer storage, tennis courts, horseshoes, volleyball, walking trails, and campground sites. Conveniently located near downtown Moneta and Bridgewater Plaza, this property offers the ideal combination of peaceful lake living and easy access to shopping, dining, and entertainment. Call and schedule your tour today.
Room Information
Room Name Level
Primary BedroomUpper
Bedroom 2Upper
Bedroom 3Upper
Bedroom 4Upper
Bedroom 5Upper
Dining AreaLower
Eat-in KitchenLower
Family RoomLower
KitchenLower
LaundryLower
Living RoomLower
Listing Office: MKB, REALTORS® - AT THE LAKE

Last Updated: September - 13 - 2026

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