13 CHATHAM LN Palmyra, VA $ 524,900
13 CHATHAM LN
$ 524,900
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13 CHATHAM LN

Palmyra, VA, 22963
$ 524,900
Bedrooms4 Baths2.1 Sq 2,112

Monthly Estimate*

$ 3,275

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Single Family Home for sale in Palmyra, VA

for $524,900 with 4 bedrooms and 2 full baths, 1 half bath. This 2,112 square foot home was built in 1984 on a lot size of 0.49.

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!

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Single Family Active

Price

$ 524,900

Bedrooms

4

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 3,081

Style

Lot Size

0.49

Year Built

1984

Town/City

Palmyra

County/Region

Fluvanna

MLS | Web ID

662771

Features
Interior
Interior Amenities DoubleVanity PrimaryDownstairs Remodeled WalkInClosets BreakfastArea RecessedLighting UtilityRoom
Basement ExteriorEntry Heated InteriorEntry PartiallyFinished WalkOutAccess
Flooring Carpet LuxuryVinylPlank
Total Fireplaces 1
Fireplace Features One GasLog
Basement (Y/N) Y
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 1416.0
Half Baths 1
Total Bedrooms 4
Below Grade Finished Area 696.0
Room Type Bathroom BreakfastRoomNook Bedroom FamilyRoom FullBath HalfBath Kitchen Laundry PrimaryBathroom PrimaryBedroom Recreation UtilityRoom
Main Level Bedrooms 1
Main Level Bathrooms 1
Below Grade Finished Area Unit Type SquareFeet
Below Grade Finished Area Source Owner
Above Grade Finished Area Source Owner
Above Grade Finished Area Unit Type SquareFeet
Total Baths 3
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General
Sewer CommunityCoopSewer
Heating Central Electric ForcedAir HeatPump
Cooling CentralAir HeatPump
Utilities Other
Appliances Dishwasher ElectricRange Disposal Microwave Refrigerator Dryer Washer
HOA Fee 1267.0
Garage Spaces 1.0
Association Fee Includes BoatRamp Clubhouse Golf Playground ReserveFund SnowRemoval TennisCourts Trash
Patio/Porch Features Covered Deck FrontPorch Patio Porch
Architectural Style CapeCod
Security Features TwentyFourHourSecurity SmokeDetectors GatedCommunity
Construction Materials StickBuilt
Year Built 1984
View TreesWoods Water
Topography Rolling
Levels OneAndOneHalf
Property Subtype Detached
Tax Year 2024
Community Features Gated
Assoc Fee Paid Per Annually
County Fluvanna
New Construction N
Property Type Residential
Association Amenities BasketballCourt BoatDock BoatRamp Clubhouse GolfCourse PicnicArea Playground TennisCourts Trails Water BeachRights
HOA Y
Attached Garage N
Subdivision Name LAKE MONTICELLO
Garage Y/N Y
Full Baths 2
Status Active
Directions ENTER MAIN GATE AT ASHLAWN & LAKE MONTICELLO RD:Take I-64 to exit 129 (616).Turn Rt onto Black Cat/Union Mills/616 for 6 miles.Rt on 600 for 1.6 miles.Rt on Lake Monticello.Lft to Enter gate at Ashla
High School Fluvanna
City Palmyra
Disclosures SellerDisclosure
Senior Community Y/N N
Zoning Description R-4 Residential
Carport Y/N N
Elementary School Central (Fluvanna)
Property Attached Y/N N
Land Lease Y/N N
Tax Annual Amount 3081.0
Home Warranty Y/N N
Middle/Junior High School Fluvanna
Property Condition UpdatedRemodeled
Lease Renewal Y/N N
Additional Parcels Y/N N
Lease Considered Y/N N
Rent Control Y/N N
Building Area Units SquareFeet
Standard Status Active
Occupancy Type Vacant
Property Sub Type Additional Detached
Lease Amount Frequency Monthly
Legal Description INST 240001996 ASHLAWN-1 LOT 341 21 463 SF
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Exterior
Exterior Amenities Dock
Parking Features Detached GarageFacesFront Garage
Lot Features Wooded Waterfront
Water Source CommunityCoop
Spa N
Building Area Total 2694.0
Lot Size Acres 0.49
Waterfront Y/N Y
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 13
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* Excluded Features
List By
Re/Max Gateway

Broker

smacdonald@macdonaldhomes.com

Email

Affordability Calculator

$3,531
Per Month
93%
7%
0%
Monthly Principal & Interest
$3,275
Monthly Property Taxes
$257
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
1336775 Elementary School
1820733 Middle School
Fluvanna High School High School
Pricing History
DatePricePrice ChangeDescription
8/12/2025$524,900 -1.89% Price Down
7/28/2025$534,990 Listed Price

Map


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13 CHATHAM LN, Palmyra, VA, 22963 is a Single Family Home for sale at $524,900 with 2,112 sqft and a lot size of 0.49. 13 CHATHAM LN has 4 bedrooms, 2.1 baths, and was built in 1984. The property's zip code is 22963 which is in Palmyra, VA