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Active
    • Price cut: $30K (10/8)
    $699,900

    11 Chatham Ln, Palmyra, VA 22963

    4beds
    3,178sqft
    : 
    $4,719/mo
    Get pre-qualified
    Single Family Residence
    Built in 2002
    0.58 Acres Lot
    $689,900 Zestimate®
    $220/sqft
    $125/mo HOA

    What's special

    Peaceful cove viewsGas fireplaceWaterfront homeFinished walkout terrace levelMature hardwoodsOpen great roomFour bedrooms
    Nestled among mature hardwoods off Washington Cove, this waterfront home is just a short boat ride from the main body of Lake Monticello. Located in a gated, amenity-rich golf course community only 25 minutes from Charlottesville, the property offers a private boat dock and bulkhead for relaxing and fishing, a full-length rear deck with a screened porch and space for a hot tub, peaceful cove views, and a gently sloping gravel walkway to the water. Inside, the open great room features cathedral ceilings, beautiful hardwood floors, and a gas fireplace. The home offers four bedrooms and three full baths, including a primary suite with a cathedral ceiling, hardwood floors, soaking tub, double vanity, separate shower, and two closets. The finished walkout terrace level includes the fourth bedroom, third full bath, a spacious family room with a freestanding gas fireplace, a flex room currently used as a home gym, and a large storage area with built-in shelving. Enjoy peaceful lakefront living, convenient community amenities, and easy access to Charlottesville or Richmond!
    86 days
    735
    36

    Zillow last checked:

    Listing updated:

    Listed by:

    RUTH GUSS 434-960-0414,

    RE/MAX REALTY SPECIALISTS-CHARLOTTESVILLE 434-974-1500

    Source: CAAR,MLS#: 679602MLS LogoOriginating MLS: Charlottesville Area Association of Realtors

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      • Main level bathrooms: 2
      • Main level bedrooms: 3
      Rooms
      • Room types: Bathroom, Bonus Room, Bedroom, Family Room, Full Bath, Foyer, Great Room, Kitchen, Laundry
      Primary bedroom
      • Level: First
      Bedroom
      • Level: Basement
      Bedroom
      • Level: First
      Primary bathroom
      • Level: First
      Bathroom
      • Level: First
      Bathroom
      • Level: Basement
      Bonus room
      • Level: Basement
      Family room
      • Level: Basement
      Foyer
      • Level: First
      Great room
      • Level: First
      Kitchen
      • Level: First
      Laundry
      • Level: First
      Heating
      • Central, Forced Air, Propane
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Electric Range, Disposal, Microwave
      • Laundry: Washer Hookup, Dryer Hookup
      Features
      • Primary Downstairs, Skylights, Walk-In Closet(s), Breakfast Bar, Entrance Foyer, High Ceilings, Vaulted Ceiling(s)
      • Flooring: Carpet, Ceramic Tile, Hardwood, Vinyl
      • Windows: Insulated Windows, Vinyl, Skylight(s)
      • Basement: Exterior Entry,Full,Heated,Interior Entry,Partially Finished,Walk-Out Access
      • Has fireplace: Yes
      • Fireplace features: Gas Log
      Interior area
      • Total structure area: 4,200
      • Total interior livable area: 3,178 sqft
      • Finished area above ground: 1,836
      • Finished area below ground: 1,342

      Property

      Parking
      • Total spaces: 2
      • Parking features: Attached, Electricity, Garage Faces Front, Garage, Garage Door Opener
      • Attached garage spaces: 2
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Deck, Front Porch, Porch, Screened
      • Exterior features: Dock, Porch
      • Pool features: Association
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      Lot
      • Size: 0.58 Acres
      • Features: Waterfront
      Details
      • Parcel number: 18A1340
      • Zoning description: PUD Planned Unit Development

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Stick Built, Vinyl Siding
      • Foundation: Block
      • Roof: Architectural
      Condition
      • New construction: No
      • Year built: 2002

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Fiber Optic Available

      Community & HOA

      Community
      • Features: Pond, Gated
      • Security: Smoke Detector(s), Gated Community
      • Subdivision: LAKE MONTICELLO
      HOA
      • Has HOA: Yes
      • Amenities included: Beach Rights, Basketball Court, Boat Dock, Boat Ramp, Clubhouse, Golf Course, Meeting Room, Picnic Area, Playground, Pool, Sports Fields, Tennis Court(s), Water
      • HOA fee: $1,495 annually
      Location
      • Region: Palmyra

      Financial & listing details

      • Price per square foot: $220/sqft
      • Tax assessed value: $584,580
      • Annual tax amount: $4,530
      • Date on market: 7/16/2026
      • Cumulative days on market: 87 days
      • Exclusions: Washer, Dryer, Freezer, Lower Level Refrigerator

        Estimated market value

        $689,900

        $655,000 - $724,000

        $2,809/mo

        Price history

        DateEventPrice
        10/8/2026Price change$699,900-4.1%$220/sqft
        Source: CAAR #679602 Report a problem
        9/10/2026Price change$729,900-1.2%$230/sqft
        Source: CAAR #679602 Report a problem
        7/16/2026Listed for sale$739,000+23.2%$233/sqft
        Source: CAAR #679602 Report a problem
        10/31/2024Sold$600,000+0.2%$189/sqft
        Source: CAAR #656982 Report a problem
        9/24/2024Pending sale$599,000$188/sqft
        Source: CAAR #656982 Report a problem
        9/21/2024Listed for sale$599,000$188/sqft
        Source: CAAR #656982 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$4,384 -5.3%$584,580 +6.5%
        2024$4,632 $548,800
        2023$4,632 $548,800 +10.4%
        2022-- $497,200
        2021-- $497,200
        2020-- $497,200 +9.5%
        2018$3,766 $454,200
        2017$3,766 $454,200 +5.3%
        2016$3,766 $431,400
        2015$3,766 +10.7%$431,400 +0.8%
        2014$3,402 +38.2%$427,900
        2013$2,461 $427,900 -0.9%
        2012-- $431,800
        2011$2,332 $431,800
        2010-- $431,800
        2009-- $431,800
        2008-- $431,800 -5.5%
        2007-- $456,800 +51.6%
        2006-- $301,300
        2005-- $301,300 +36.2%
        2004-- $221,200
        2003-- $221,200 +637.3%
        2002-- $30,000 +20%
        2001$178 $25,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 22963

        Getting around

        1 / 100
        Car-Dependent
        13 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Central (Fluvanna)
        • Middle: Fluvanna
        • High: Fluvanna

        Source: CAAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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