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!,Marble Counter,White Cabinets,Fireplace in Family Room

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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

Cape Cod

Lot Size

0.49

Year Built

1984

Town/City

Palmyra

County/Region

Fluvanna

MLS | Web ID

662771

Features
General
Living Area 2112
Sewer Public Sewer
Heating Central Forced Air Heat Pump(s)
Cooling Central A/C Heat Pump(s)
Appliances Dryer Washer
Zoning R-4
HOA Fee 1267.00
Association Fee Includes Reserve Funds Snow Removal Trash
Architectural Style Cape Cod
Security Features 24 hour security Security Gate Smoke Detector
School District FLUVANNA COUNTY PUBLIC SCHOOLS
Year Built 1984
View Water Trees/Woods
Levels 1.5
Tax Year 2024
Ownership Other
Accessibility None
HOA Fee 2 871.00
Assoc Fee Paid Per Annually
County FLUVANNA
New Construction N
Property Type Residential
Association Amenities Beach Boat Ramp Club House Golf Club Tot Lots/Playground Tennis Courts Basketball Courts Lake Picnic Area Jog/Walk Path
HOA Y
Subdivision Name LAKE MONTICELLO
Garage Y/N N
Other Structures Above Grade Below Grade
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
City PALMYRA
Disclosures Prop Disclosure
Association Name (434) 589-8263
HOA Fee 2 Frequency One Time
Tax Annual Amount 3081.0
Structure Type Detached
Condo/Coop Association fee Y/N N
Bathrooms Full Main Level 1
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 370.69
Construction Completed Y/N N
Vacation Rental Y/N N
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Year Built Source Estimated
Legal Subdivision ASHLAWN
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Interior
Interior Amenities Entry Level Bedroom
Heating Fuel Electric
Basement Heated Interior Access Outside Entrance Partially Finished Walkout Level Windows
Flooring Carpet
Total Fireplaces 1
Fireplace Features Gas/Propane
Basement (Y/N) Y
Air Conditioning Y/N N
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 1416
Half Baths 1
Central Air Y/N Y
Total Bedrooms 4
Below Grade Finished Area 696
Room Type Kitchen Family Room Breakfast Room Full Bath Half Bath Additional Bedroom
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
Below Grade Finished Area Source Estimated
Above Grade Finished Area Source Estimated
Above Grade Finished Area Unit Type Square Feet
Total Baths 3
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Exterior
Lot Features Sloping Partly Wooded
Water Source Community
Inclusions Refrigerator with ice maker washer dryer range - electric built-in microwave dishwasher.
Foundation Details Wood
Water View Y/N Y
Building Area Total 2694.00
Lot Size Acres 0.49
Water Body Type Bay
Waterfront Y/N Y
Water Oriented Y/N Y
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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
4067364 Elementary School
3542116 Middle School
Fluvanna High School High School
Pricing History
DatePricePrice ChangeDescription
8/12/2025$524,900 -1.89% Price Down
5/23/2025$534,990 -0.93% Price Down
5/15/2025$539,990 -1.80% Price Down
4/29/2025$549,900 -3.51% Price Down
4/4/2025$569,900 Listed Price

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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