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Enjoy it now, and Build Your Lakefront Lifestyle for a Fraction of the Cost Not ready to build yet? Enjoy all of the lake living amenities now! Or bring your house plans and start living the lake life on this beautiful lot, with access to a sandy beach in a deep water cove with seasonal water views! Designed for those who want the full Smith Mountain Lake experience without the waterfront price tag or upkeep, this property features gentle, rolling terrain for easy site preparation--making it the ideal foundation for a custom permanent residence or a low-maintenance weekend retreat. Enjoy low HOA membership fees alongside the flexibility to use now, build later--all for a great price! Amenities Galore & Great Location On and Off Water! Have all of these premier lake-living amenities available to you as the owner of this beautiful property with seasonal lake views: • Water & Boating: Private boat launch, boat ramp, fishing pier/dock, day docks for your boat, trailer storage, and a sandy beach with a pavilion. • Clubhouse & Recreation: A full-featured community clubhouse equipped with a full kitchen, laundry, and shower facilities--perfect for events and casual gatherings. • Fitness & Sports: Newly resurfaced tennis and pickleball courts, a handball court, and a gym with saunas. • Family & Outdoor Fun: A children's park and direct access to Smith Mountain Lake's 20,000 acres of water and 500 miles of shoreline--renowned for watersports and trophy fishing for Striper, Bass, Crappie, and Catfish. Plus, your prime location places you moments from championship golf courses, scenic Blue Ridge Mountain views, and local landmarks like the National D-Day Memorial.

Highlights

  • Land
  • Unimproved Land
  • 0.71 Acre Lot
  • $175/yr HOA
  • Waterfront
  • 100 days on Market

  • Exterior Features
    Tennis Court(s)

  • Acres
    0.71
  • Lot Features
    Level, Waterfront, Gentle Sloping
  • Water Front
    Yes
  • View
    Lake
  • Utilities
    Cable Available, Electricity Available
  • Water
    None

  • Area
    0600 - Bedford County
  • County
    Bedford
  • City
    Moneta
  • Neighborhood
    Beechwood West
  • Zip Code
    24121
  • High School
    Staunton River
  • Middle School
    Staunton River
  • Elementary School
    Moneta

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Frequently Asked Questions

How do I schedule a tour of 4 Charmwood Cir #LOT?

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 4 Charmwood Cir #LOT.

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

How do I get more information about 4 Charmwood Cir #LOT?

Click Ask a Question to talk with our team. You already know it is a N/A bed, N/A bath, listed for $74,995. We can talk through recent upgrades, potential seller motivation, how this unimproved land compares to others in Moneta, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 4 Charmwood Cir #LOT?

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 4 Charmwood Cir #LOT at around $446. 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 4 Charmwood Cir #LOT?

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 4 Charmwood Cir #LOT?

In most cases, yes. Whether 4 Charmwood Cir #LOT is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Moneta'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 4 Charmwood Cir #LOT?

We can handle that for you. Our preferred local agent specializes in lands in Moneta 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.

How long has this property been on the market?

4 Charmwood Cir #LOT was listed on August 05, 2026, which means it's been on the market for 100 days.

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

What is the lot size of this property?

4 Charmwood Cir #LOT sits on a 0.71-acre lot, which is 30,928 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Moneta
  • Middle: Staunton River
  • High: Staunton River

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 4 Charmwood Cir #LOT?

The most recent public record shows annual property taxes for 4 Charmwood Cir #LOT were approximately $230. 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 $175 paid annually.

Is 4 Charmwood Cir #LOT still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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