Moneta Homes under $400,000

Moneta Homes under $400,000

Welcome to Moneta, Virginia – a hidden gem nestled in the heart of the picturesque Blue Ridge Mountains. This charming lakeside community offers a perfect blend of natural beauty, recreational opportunities, and a welcoming atmosphere. With the shimmering waters of Smith Mountain Lake at your doorstep, Moneta is a haven for outdoor enthusiasts, boasting activities such as boating, fishing, and hiking.

Moneta is not just about stunning landscapes; it’s a vibrant community with a rich history and a variety of local shops, dining options, and cultural events that foster a strong sense of belonging. The area is known for its friendly neighbors and family-oriented environment, making it an ideal place to raise children or enjoy a peaceful retirement.

For those considering a move to Moneta, you’ll be pleased to know that there are beautiful homes available for under $400,000. Whether you’re looking for a cozy cottage with stunning lake views, a charming ranch-style home with ample outdoor space, or a contemporary property equipped with modern amenities, Moneta has something for everyone. The affordability of these homes allows you to embrace the serene lifestyle you’ve always dreamed of without breaking the bank.

Imagine waking up to the gentle sounds of nature, sipping coffee on your porch while soaking in the breathtaking views, and enjoying the community spirit that Moneta has to offer. With its affordable housing options and idyllic surroundings, Moneta, Virginia, is not just a place to live – it’s a place to thrive. Come discover the magic of this charming town and find your dream home today!

Newest Moneta Homes under $400,000

Waterford Dr, Moneta
$359,900
3 Beds ⋅ 2 Baths ⋅ 369511 MLS
Currently under construction with an estimated completion date of 05/01/27. The thoughtfully designed Summit model features one-level living with 3 bedrooms, 2 bathrooms, an attached garage, and an open-concept layout ideal for everyday living and entertaining. The inviting living area offers an electric fireplace, while the kitchen offers a large island, ample cabinetry, and seamless flow into the main living space. The primary suite boasts a walk-in closet and private en-suite bath. Enjoy durable luxury vinyl plank flooring in the main living areas and a rear deck perfect for relaxing or entertaining. The exterior will be finished in elegant black siding. Disclaimer: All images, renderings, and descriptions are for illustrative purposes and may reflect optional upgrades not included in the base price.

Waterford Dr, Moneta
1789 Hickory Cove Ln, Moneta
$339,900
3 Beds ⋅ 2 Baths ⋅ 369216 MLS
MOVE-IN READY new construction!! The thoughtfully designed Summit model features one-level living, 3 bedrooms, 2 bathrooms, a garage, and an open-concept layout ideal for everyday living and entertaining. The inviting living area offers an electric fireplace, while the kitchen includes a large island, ample cabinetry, and seamless flow into the main living space. The primary suite boasts a walk-in closet and private en-suite bath. Enjoy durable luxury vinyl plank flooring in main living areas and a rear deck perfect for relaxing or entertaining. Disclaimer: All images, renderings, and descriptions are for illustrative purposes and may reflect optional upgrades not included in base price.

1789 Hickory Cove Ln, Moneta
2898 White House Rd, Moneta
$359,900
3 Beds ⋅ 3 Baths ⋅ 369189 MLS
Welcome to 2898 White House Road in Moneta, where thoughtful updates make this home move-in ready. The main level offers two bedrooms, including a primary suite, plus two refreshed bathrooms with a new tub and shower, a spacious living room, well appointed kitchen and dining area. Recent improvements include a new roof, new front and side decks, fresh main-level paint, new light fixtures, and a new microwave and dishwasher. The finished basement expands the living space with a rec room, bedroom, full bath, laundry area, and storage closet. Located near Smith Mountain Lake, the home offers convenient access to boating, fishing, swimming, waterfront dining, and year-round recreation. With flexible living space and numerous updates already completed, this inviting home is ready for its next owner.

2898 White House Rd, Moneta
1089 Blue Water Dr Unit 502, Moneta
$224,000
1 Beds ⋅ 1 Baths ⋅ 368558 MLS
Fully remodeled in 2025, this property offers breathtaking views of Smith Mountain Lake and is perfect for a weekend getaway or an investment opportunity. The unit comes furnished, excluding the bed and personal items. The community features an Olympic-sized pool, kiddie pool, boat ramp, gated trailer storage, tennis courts, and a picnic pavilion, with onsite laundry available.

1089 Blue Water Dr Unit 502, Moneta
622 Gap Bridge Rd, Moneta
$319,900
3 Beds ⋅ 2 Baths ⋅ 366582 MLS
Discover luxury living in Beechwood West! This thoughtfully designed Pinnacle model is currently under construction with an estimated completion date of 2/15/27. This home features single-level living with 3 bedrooms, 2 bathrooms, an open-concept floor plan with a spacious living area. The kitchen is a chef's delight, boasting a kitchen island and ample cabinetry. The primary bedroom is complete with an en-suite bathroom and walk-in closet. Step outside to enjoy a beautiful backyard and relax on your back deck. The exterior will be finished with grey vinyl siding. Community amenities include; clubhouse access with a workout room, racquetball court, showers, meeting space, boat ramp, recreation area, playground, sandy beach, pavilion, and tennis court!

622 Gap Bridge Rd, Moneta
105 Whisperridge Ct, Moneta
$174,900
2 Beds ⋅ 1 Baths ⋅ 367763 MLS
Enjoy the convenience of lake-area living in this well-maintained 2014 singlewide, located in a desirable water-access community with a private boat ramp to beautiful Smith Mountain Lake. Surrounded by peaceful wooded scenery, this home features a bright, open-concept layout that's ideal for everyday living. A cozy gas log fireplace creates the perfect gathering spot during cooler months, while the split-bedroom design offers added comfort and privacy. Experience the charm and relaxed lifestyle this property has to offer-Schedule your showing today!

105 Whisperridge Ct, Moneta
Hickory Cove Ln, Moneta
$319,800
3 Beds ⋅ 2 Baths ⋅ 367333 MLS
This Pinnacle model is currently under construction with an estimated completion date of 02/15/27. Enjoy single-level living with 3 bedrooms, 2 bathrooms, and a desirable split-bedroom floor plan separating the primary suite from the two additional bedrooms. The open-concept living area flows into the kitchen, featuring a kitchen island and ample cabinetry. The primary suite offers a walk-in closet and en-suite bathroom. Step outside onto the rear deck, perfect for relaxing or entertaining. forest green vinyl siding adds timeless curb appeal. Don't miss this beautiful new construction home designed for comfort, style, and everyday living! Disclaimer: Images, renderings, and descriptions are for illustrative purposes only and may include optional upgrades or features not included in the base price.

Hickory Cove Ln, Moneta
Cherrywood Ln, Moneta
$359,800
3 Beds ⋅ 2 Baths ⋅ 367153 MLS
Discover luxury living in Beechwood West! The thoughtfully designed Summit model is currently under construction with an ETA 3/15/27. Offering single-level living with 3 bedrooms, 2 bathrooms, a garage, and features an open-concept floor plan with a spacious living area. The kitchen is a chef's delight, boasting a kitchen island and ample cabinetry. Retreat to the generous primary suite, complete with an en-suite bathroom and walk-in closet. Step outside to enjoy a beautiful backyard and relax on your back deck, perfect for entertaining. The exterior will be finished with forest green vinyl siding. Enjoy community amenities; clubhouse access with a workout room, racquetball court, a boat ramp, recreation area, playground, sandy beach, pavilion, and tennis court!

Cherrywood Ln, Moneta
3959 Diamond Hill Rd, Moneta
$329,000
3 Beds ⋅ 2 Baths ⋅ 366555 MLS
Nicely Maintained one level living home on Wooded Lot. Move-in Ready. Perfect home if you have allergies. No carpet and the HVAC has a REME Air Purification System. Electric/Convection Oven. Eat-in Kitchen. Just 3 miles from SML and 1 Mile from Grocery stores and Shopping. Fenced yard.

3959 Diamond Hill Rd, Moneta
1010 Allendale Dr, Moneta
$319,800
3 Beds ⋅ 2 Baths ⋅ 366231 MLS
$5,000 Builder CREDIT - YOUR WAY! With an acceptable offer, receive up to $5,000 in builder credit toward an interest rate buydown, closing costs, or upgrades. Limited-time offer. Offer ends October 31, 2026. Currently under construction with an estimated completion date of 11/30/26. This new construction Pinnacle model with single-level living features 3 bedrooms, 2 bathrooms, an open-concept floor plan with a spacious living area. The kitchen is a chef's delight, boasting a kitchen island and ample cabinetry. Retreat to the generous primary suite, complete with an en-suite bathroom and a walk-in closet. Step outside to enjoy a beautiful backyard and relax on your back deck, perfect for entertaining family and friends. This home will be completed with elegant black vinyl siding. Disclaimer: This property is under construction; all images, renderings, and descriptions are for illustrative purposes only and may include optional upgrades or features not included in the base price.

1010 Allendale Dr, Moneta
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