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This is your chance to experience life at Lake Vista! This gorgeous home in a premier lake community is priced under $500k and includes a rare bonus: a separate-entry terrace-level apartment that can help offset your mortgage or serve as flexible additional living space. Tucked on a quiet cul-de-sac, the main level features a remodeled kitchen with quartz counters, updated baths, and a living space flowing to a spacious deck. Upstairs offers 4 bedrooms, including a generous primary suite. The finished terrace apartment has its own private entrance, a full kitchen with custom cabinetry and butcher block counters, full bath, living room, and washer/dryer ideal for rental income or extra living space, completely separate from the main home. New HVAC, a storage shed under a year old, plus a pool, clubhouse, pickleball/tennis courts, and lake access complete the lifestyle. Don't miss this one!

  • Bedrooms
    4
  • Bathrooms
    3 full · 1 half
  • Year Built
    1994
  • Stories
    2.0
  • Architectural Style
    Two Story
  • Construction Materials
    Vinyl Siding, Brick
  • Parking Features
    Paved, Off Street
  • Living Area
    3276.0
  • Interior Features
    Pantry
  • Appliances
    Dishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
  • Flooring
    Hardwood, Tile, Vinyl, Carpet, Wood
  • Exterior Features
    Garden
  • Patio And Porch
    Deck
  • Heating
    Heat Pump
  • Basement
    Finished, Walk-Out Access

  • Acres
    0.38

  • County
    Bedford
  • City
    Forest
  • Neighborhood
    Lake Vista
  • Zip Code
    24551
  • High School
    Jefferson Forest-HS
  • Middle School
    Forest Midl
  • Elementary School
    Thomas Jefferson-Elm

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Frequently Asked Questions

How do I schedule a tour of 103 Waterview Cir?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 103 Waterview Cir.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 103 Waterview Cir?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 3 bath, listed for $459,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Forest, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 103 Waterview Cir?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 103 Waterview Cir at around $2,738. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 103 Waterview Cir?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Bedford County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 103 Waterview Cir?

In most cases, yes. Whether 103 Waterview Cir is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Forest's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 103 Waterview Cir?

We can handle that for you. Our preferred local agent specializes in residentials in Forest and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $459,900 with 3,276 sqft of space—that comes out to approximately $140 per square foot.

How long has this property been on the market?

103 Waterview Cir was listed on July 17, 2026, which means it's been on the market for 115 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1994, making it approximately 32 years old.

What is the lot size of this property?

103 Waterview Cir sits on a 0.38-acre lot, which is 16,553 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Thomas Jefferson-Elm
  • Middle: Forest Midl
  • High: Jefferson Forest-HS

Want to see how these schools compare? Check out our Bedford County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 103 Waterview Cir?

The most recent public record shows annual property taxes for 103 Waterview Cir were approximately $1,454. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $80 paid monthly.

This covers access to community features including: Pool, Tennis Court(s).

Is 103 Waterview Cir still available for sale?

This home is pending sale, which means the seller has accepted an offer. You can favorite it to track status or ask our expert to help you find similar homes in this area. We'll also let you know if this property comes back on the market.

Source: ez Home Search, MLS Data

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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. Copyright 2026, Lynchburg Association of REALTORS. All rights reserved.

Last Updated: November 09, 2026 at 10:01AM | Source: Lynchburg Association of REALTORS | MLS#: 368067