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Smith Mountain Lake community directory
The named communities people ask us about most — what each one is, where it sits, and which kind of buyer it suits. There are more than 320 waterfront subdivisions on this lake, so treat this as a starting point rather than a census.
| Community | Location | What it is | Area |
|---|---|---|---|
| Bernard's LandingCondos · Resort | Moneta Franklin County |
A 70-acre peninsula with three pools, tennis and pickleball, a beach, marina and waterfront dining. Slips leased; short-term rentals allowed. | Westlake & Hales Ford |
| Bridgewater GrandeWaterfront · New Construction | Moneta Bedford County |
A gated waterfront development of about 30 homesites within walking distance of Bridgewater Plaza, with a pool, pickleball and a community boat storage area. Still building out. | Westlake & Hales Ford |
| Bridgewater PointeCondos | Moneta Bedford County |
Waterfront condominiums near Bridgewater Plaza with a pool, day docks and covered slip leases. Short-term rentals allowed. | Westlake & Hales Ford |
| Clearwater EstatesWaterfront · No HOA | Penhook Franklin County |
Large wooded waterfront estate lots with no homeowners association. | Penhook & Upper Blackwater |
| Copper Cove at WestlakeGolf | Westlake Franklin County |
Semi-private 6,511-yard Russell Breeden course near the lake's commercial hub — the most convenient golf community for everyday life. | Westlake & Hales Ford |
| Fox ChaseMixed | Wirtz Franklin County |
Established mixed-character neighborhood on the Franklin side. | Hardy & the West End |
| Harbor RidgeTownhomes · Deeded Slips | Goodview Bedford County |
Waterfront common area and pool, with one to two deeded slips per property and short-term rental eligibility in Bedford County. | Moneta & North Shore |
| Hickory CoveWaterfront | Moneta Bedford County |
Main-channel eastern-shore views across roughly 55 original homes plus new construction. | Moneta & North Shore |
| High PointWater Access | Moneta Bedford County |
Single-family homes and buildable lots with community boat-ramp access. | Moneta & North Shore |
| Highland LakesMixed | Wirtz Franklin County |
A larger mixed-character community on the west end of the lake. | Hardy & the West End |
| Highland PointeCondos · Deeded Slips | Union Hall Franklin County |
Pool, hot tub, tennis and pickleball, boat ramp — with deeded covered boat slips included and short-term rentals allowed. | Union Hall & South Shore |
| Mariners LandingGolf · Resort · Condos | Huddleston Bedford County |
A large resort community on Craddock Creek with a Robert Trent Jones Sr. course, several restaurants, indoor and outdoor pools, a beach and a spa. Short-term rentals permitted; slips leased. | Huddleston & East End |
| Park PlaceWaterfront | Union Hall Franklin County |
138 acres of hardwood forest and 119 home sites near the Virginia Wine Trail. | Union Hall & South Shore |
| South HarbourWaterfront | Union Hall Franklin County |
Half-acre to 2.5-acre lots on the Blackwater channel; 40 properties, 28 of them waterfront. | Union Hall & South Shore |
| Stripers LandingCondos · Rental | Moneta Bedford County |
Waterfront condominiums where short-term rentals are permitted. | Huddleston & East End |
| The BoardwalkWaterfront | Union Hall Franklin County |
Over 100 acres built around the only boardwalk on Smith Mountain Lake, in a Nantucket style. | Union Hall & South Shore |
| The Cottages of Contentment IslandTownhomes | Moneta Bedford County |
Sixty-two waterfront townhomes up to 5,000 square feet. | Moneta & North Shore |
| The CovesWaterfront · Eco | Moneta Franklin County |
Solar arrays, eco-conscious design and a community amphitheater. | Hardy & the West End |
| The FarmWaterfront · Eco | Moneta Franklin County |
Green-building focused community of 63 properties, 17 of them waterfront. | Westlake & Hales Ford |
| The SanctuaryWaterfront · Lots | Penhook Franklin County |
A waterfront enclave of roughly 135 acres on the south side of the lake, sold as homesites for new construction. | Penhook & Upper Blackwater |
| The Water's EdgeGolf · Equestrian | Penhook Franklin County |
A large country club community on the Blackwater side with an 18-hole championship course and — unusually for the lake — a full equestrian center. | Penhook & Upper Blackwater |
| The Waterfront Country ClubGolf · Waterfront | Moneta Bedford County |
Roughly 750 acres with a 7,000-yard championship course and a 22,000 sq ft clubhouse. Deeded covered slips with electric lifts. | Moneta & North Shore |
| Vista PointeCondos | Moneta Bedford County |
Forty-eight condominiums on a peninsula with 360-degree water views. | Huddleston & East End |
| WaverlyWaterfront · Marina | Union Hall Franklin County |
138 acres and 119 home sites served by a private 26-slip marina. | Union Hall & South Shore |
Details change — verify before you commit
HOA dues, boat slip arrangements, club membership requirements and short-term rental permissions all change over time, and some vary building by building within the same community. Everything here is a starting point for a conversation, not a substitute for current documents.
Don't see the one you're wondering about?
Ask us. We hear about the smaller pockets constantly — the non-HOA coves, the six-home cul-de-sacs, the older subdivisions that never made anybody's marketing page. If you've seen a listing and can't work out what the community is actually like, send it over and we'll tell you what we know.
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