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Smith Mountain Lake Real Estate “I have to say I was a bit skeptical that it would just be a marketing pitch, but have been very pleasantly surprised to find a great deal of valuable information.” Brian Bissell “I would highly recommend Paul’s book…to anyone who is considering purchasing property on the lake. It answers not only the obvious questions but also details many items (like dock permits) that a novice lake buyer would not think to ask.” Suzy & Dave Barta “Paul Moore’s book on buying property on SML is a must read.” Linda & Judd Riedinger “I just wish we had been exposed to this kind of education about SML before we made our purchase!” Robert Harbert “We have never seen a real estate agent that supplied so much information… It is all so informative and helpful in our hunt for a home at SML.” Charles & Gladys Impink “Thank you for this information, this is a great book that you have assembled!!! I have never seen such effort from a real estate agent.” Will Rogers, Jr. “Your book is extremely helpful to both buyers and your realty staff.” Scott from NJ “We will be happy to pass your name along as a referral to anyone interested in moving to the lake. Your book tells volumes about your knowledge and my husband and I would not hesitate to recommend you so that anyone interested in coming into the area may avoid some of the issues we ran into, some of which were costly and time consuming. Most of the issues would have been avoided had we read your book first.” Carol Ridgely “Paul’s book is a must read for anyone considering relocating to or purchasing a vacation home or investment property at SML. He is a dear friend, and I have co-owned a house with him and co-invested in properties with him at SML for years. He is the real deal; read his book and learn from him. You will not be disappointed!” Dr. Austin Spruill The Definitive Guide to Smith Mountain Lake Real Estate 3rd Edition Paul Moore Copyright © 2008, 2012 & 2016 Paul Moore – R EALTOR ® All Rights Reserved All rights reserved. No part of this book may be reproduced in any form, except for the inclusion of brief quotations in a review, without permission in writing from the author or publisher. Library of Congress Control Number: 2008901283 ISBN: 978-0-615-32514-9 Additional copies of this book are available on Amazon.com® or by contacting the author at SmithMountainHomes.com 1-877-SML-HOME P.O. Box 7301 Roanoke, VA 24019 Published by Paul Moore Cover Photos by Eric and Shannon Grierson Edited & Updated by Carole McFarland, Larry Pierce, Carrie Thompson & Doug & Holly Nicholson Cover Design by Esther Joy & Savanna Kahle Third Edition Table of Contents Acknowledgements................................................................. 11 Introduction to This Guide.................................................... 13 Section I: Introduction to Smith Mountain Lake................ 15 The Crown Jewel of the Blue Ridge.........................................17 Smith Mountain Lake Quick Facts ...........................................19 Overview of Smith Mountain Lake ..........................................21 How Do I Start My Lake Property Search?..............................33 Section II: Assessing SML Property Values ........................ 39 How is Smith Mountain Lake Waterfront Property Valued? Seven Key Factors......................................................41 What is the Quality of the Water at Smith Mountain Lake? Does Water Quality Affect Property Values?................48 How Does Water Depth Affect My Lake Experience and Property Value? ........................................................................49 How Does the Rising and Falling Water Level Affect My Experience at Smith Mountain Lake?.......................................50 Can I Dredge in Front of My Property to Get Deeper Water?.......................................................................................51 What is Riprap Anyway? What Options Do I Have to Control Erosion in Front of My Waterfront Property? ..........................53 Can I Have a Dock? What about a Full Boathouse?.................55 Can I Get a Beach? ...................................................................61 Can I Cut Down or Trim Trees to Improve My View? ............62 What Restrictions May I Face From Homeowner Associations? ............................................................................67 What is a Water-Access Home? ...............................................68 Section III: SML Investment Properties .............................. 69 I Want to Rent Out My Home. Are All SML Homes Rentable? ..................................................................................71 How Do I Find the Perfect Rental Home?................................72 Is There Cash Flow Potential from a Waterfront Rental Home?.......................................................................................77 Section IV: The Ideal Waterfront Lot.................................. 79 Finding the Perfect Waterfront Lot. How Are Lots Valued?.....................................................................................81 Should I be Concerned About a Septic System? .....................86 Can I Split my Waterfront Property into Multiple Parcels? .....................................................................................88 Section V: Building A New Home ......................................... 91 I Want to Build a Home. Is There an Ideal Mountain-Lake Home Style?..............................................................................93 How Close to the Water Can I Build My New Home? ............94 Is it Tough to Obtain a Building Permit at SML?.....................98 Building a Home: What Will It Cost? How Long Will It Take?.........................................................................................99 Building a Home: What About Modular Homes? ..................101 Building a Home: Should I Add a Basement or a Garage? ...................................................................................104 How Do I Design My Basement for Maximum Enjoyment and Resale Value? .........................................................................106 Building a Home: How Do I Find a Contractor?....................108 Building a Boathouse or Dock: What Will It Cost? ...............115 How Do I Finance My New Home Construction? .................117 Can I Build Multiple Homes on One Property? Can I Build a Guesthouse on My Property?..................................................118 Section VI: Purchasing Property at SML .......................... 119 I Can’t Afford It… Or Can I? Some Creative Ways to Finance a Waterfront Home at Smith Mountain Lake .........................121 Seller and Buyer, Sittin’ in a Tree…What is a Love Letter? Should I Write One? Why and How? .....................................126 Do I Need a Home Inspection?...............................................128 Do I Need a Property Survey? ................................................131 I Want to Buy a Home at the Lake, but I Dread Paying for Flood Insurance. Will I Need it?.............................................133 How is the Dock Transferred to the New Owner at Closing? ..................................................................................134 How Do I Close on my Smith Mountain Lake Property?.......136 Section VII: Choosing a REALTOR ® at SML ................... 141 Choosing a R EALTOR ® for Your SML Transaction...............143 Choosing a Buyer’s Agent at Smith Mountain Lake..............145 Selling Your Home? Special Considerations in Selecting a Listing Agent at Smith Mountain Lake ..................................148 Section VIII: Smith Mountain Lake – A Great Place to Own Real Estate! ................................................................. 157 What Amenities, Accommodations & Entertainment Does Smith Mountain Lake Offer?..................................................159 How Does the Cost of Living Compare to Other Areas of the United States? ........................................................................162 How is the Weather at Smith Mountain Lake? Do You Have Hurricanes Like Other Waterfront Destinations? ...................163 I Love to Sail or Want to Learn. Are there Areas of the Lake that are Better for Sailing?......................................................164 Is There a Warm Side Versus a Cold Side of this Lake?........165 How Could Global Warming Affect Vacation Properties in the U.S.? How Will this Affect Smith Mountain Lake?...............166 Is Smith Mountain Lake a Profitable Place to Invest?............170 Smith Mountain Lake Versus the Beach ................................173 Come to the Mountains….......................................................176 Appendices ............................................................................ 177 Appendix A: A Brief History of Smith Mountain Lake .........179 Appendix B: How Electricity is Produced at Smith Mountain Lake........................................................................184 Appendix C: From You to SML - Drive Times & Distances.................................................................................186 Appendix D: Smith Mountain Lake in the National Media ......................................................................................187 Appendix E: When Smith Mountain Lake Won’t Satisfy ......194 Appendix F: The Dreamer’s Challenge..................................197 About the Author.................................................................. 203 A Special
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