13 Chatham Ln Palmyra, VA 22963
Estimated payment $3,201/month
Highlights
- Boat Ramp
- Beach
- 24-Hour Security
- Water Views
- Golf Club
- Water Oriented
About This Home
Waterfront Paradise Awaits! Lowest-Priced Lakefront Home with Private Dock ? Don?t miss this stunning 4-bed, 2.5-bath Cape Cod retreat on 126 feet of pristine waterfront in the exclusive Lake Monticello community. Priced to sell as the lowest-priced lakefront home, this move-in-ready home features over $100,000 in upgrades, offering an unbeatable value! Inside, enjoy a bright main-level primary suite with a luxurious bath, double vanity, and spacious walk-in closet. The upgraded kitchen boasts new stainless-steel appliances, sleek flooring, modern lighting, and energy-efficient windows with incredible water views. The finished walk-out basement includes a bedroom (or family room), new washer/dryer, bath rough-in, and a large workshop for extra storage. Outside, new concrete steps lead to a refreshed private boat dock with new decking. A single-car garage adds convenience. Lake Monticello offers 22 miles of shoreline, a PGA golf course, tennis and pickleball courts, an Olympic pool, and more. Whether a year-round retreat or a weekend getaway, this home has it all!,Marble Counter,White Cabinets,Fireplace in Family Room
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $3,081
Year Built
- Built in 1984
Lot Details
- 0.49 Acre Lot
- Sloped Lot
- Partially Wooded Lot
- Property is zoned R-4
HOA Fees
- $106 Monthly HOA Fees
Property Views
- Water
- Woods
Home Design
- Cape Cod Architecture
- Wood Foundation
Interior Spaces
- Property has 1.5 Levels
- Gas Fireplace
- Family Room
- Breakfast Room
- Carpet
Bedrooms and Bathrooms
- 2.5 Bathrooms
Laundry
- Dryer
- Washer
Partially Finished Basement
- Heated Basement
- Walk-Out Basement
- Interior and Exterior Basement Entry
- Basement Windows
Home Security
- Security Gate
- Fire and Smoke Detector
Outdoor Features
- Water Oriented
- Property near a bay
Schools
- Central Elementary School
- Fluvanna Middle School
- Fluvanna High School
Utilities
- Forced Air Heating and Cooling System
- Heat Pump System
Community Details
Overview
- Association fees include reserve funds, snow removal, trash
- (434) 589 8263 HOA
- Lake Monticello Subdivision
- Community Lake
Amenities
- Picnic Area
- Clubhouse
Recreation
- Boat Ramp
- Beach
- Golf Club
- Tennis Courts
- Community Basketball Court
- Community Playground
- Jogging Path
Security
- 24-Hour Security
Map
Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $4,361 | $581,520 | $153,000 | $428,520 |
| 2024 | $31 | $365,000 | $153,000 | $212,000 |
| 2023 | $3,081 | $365,000 | $153,000 | $212,000 |
| 2022 | $2,954 | $339,500 | $153,000 | $186,500 |
| 2021 | $2,954 | $339,500 | $153,000 | $186,500 |
| 2020 | $2,972 | $321,300 | $153,000 | $168,300 |
| 2019 | $2,972 | $321,300 | $153,000 | $168,300 |
| 2018 | $2,870 | $316,400 | $153,000 | $163,400 |
| 2017 | $2,870 | $316,400 | $153,000 | $163,400 |
| 2016 | $2,719 | $296,500 | $135,000 | $161,500 |
| 2015 | $2,598 | $296,500 | $135,000 | $161,500 |
| 2014 | $2,598 | $295,200 | $135,000 | $160,200 |
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 08/12/2025 08/12/25 | Price Changed | $524,900 | -1.9% | $249 / Sq Ft |
| 07/24/2025 07/24/25 | Price Changed | $534,990 | -1.8% | $253 / Sq Ft |
| 07/03/2025 07/03/25 | For Sale | $544,990 | 0.0% | $258 / Sq Ft |
| 06/20/2025 06/20/25 | Pending | -- | -- | -- |
| 06/19/2025 06/19/25 | For Sale | $544,990 | 0.0% | $258 / Sq Ft |
| 06/19/2025 06/19/25 | Price Changed | $544,990 | +1.9% | $258 / Sq Ft |
| 06/16/2025 06/16/25 | Off Market | $534,990 | -- | -- |
| 06/02/2025 06/02/25 | For Sale | $534,990 | 0.0% | $253 / Sq Ft |
| 05/26/2025 05/26/25 | Pending | -- | -- | -- |
| 05/23/2025 05/23/25 | Price Changed | $534,990 | -0.9% | $253 / Sq Ft |
| 05/15/2025 05/15/25 | Price Changed | $539,990 | -1.8% | $256 / Sq Ft |
| 04/29/2025 04/29/25 | Price Changed | $549,900 | -3.5% | $260 / Sq Ft |
| 04/04/2025 04/04/25 | For Sale | $569,900 | +34.1% | $270 / Sq Ft |
| 08/06/2024 08/06/24 | Sold | $425,000 | -5.6% | $200 / Sq Ft |
| 07/28/2024 07/28/24 | Pending | -- | -- | -- |
| 07/25/2024 07/25/24 | Price Changed | $450,000 | -15.9% | $212 / Sq Ft |
| 06/25/2024 06/25/24 | Price Changed | $535,000 | -8.5% | $252 / Sq Ft |
| 06/03/2024 06/03/24 | Price Changed | $585,000 | -9.3% | $275 / Sq Ft |
| 05/22/2024 05/22/24 | For Sale | $645,000 | -- | $304 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Bargain Sale Deed | $785,000 | Old Republic Title |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $425,000 | Construction | |
| Closed | $480,000 | New Conventional |
Source: Bright MLS
MLS Number: 662771
APN: 18A-1-341
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