Welcome to this beautifully updated three-story home in Lake Monticello, offering exclusive water access and a prime location near the Riverside gate. This well-maintained residence features 3 bedrooms, 3.5 baths, and approximately 2,500 finished square feet of flexible living space designed for everyday comfort and entertaining. The main level offers a welcoming living area with a wood-burning fireplace. The updated eat-in kitchen features granite countertops, a subway tile backsplash, stainless steel appliances, and ample cabinetry. A breakfast area and formal dining room provide multiple options for dining and gatherings. The second level offers 3 bedrooms including the primary suite and primary bathroom. In the hallway is an additional full bathroom. The bedrooms all featured beautiful paint colors and accent walls. The finished basement expands the living space with a spacious recreation room, full bath, laundry room, and office nook, offering versatility for a variety of uses. Outdoor spaces include a large front porch with space for seating, a private back deck, and a covered patio overlooking peaceful wooded surroundings. The newly fenced-in backyard offers added privacy and functionality. An attached garage adds convenience, while the 240 square foot shed with electricity provides excellent flexibility for storage, hobbies, or a workshop. High speed internet is available. Recent improvements include a backfeed switch and surge protector and welding outlet installed in the garage, new garage door and new dishwasher. Enjoy life in the Lake Monticello community, a gated lake neighborhood featuring a 352-acre lake and a wide range of amenities. Residents have access to the community swimming pool, lake beaches and swimming areas, a marina and boat launch, golf course, tennis and sports courts, recreational facilities, walking trails, and community spaces. Conveniently located near shopping and dining at Zion Crossroads and approximately 20 minutes from Charlottesville. Don't wait to schedule your tour and see all this home has to offer you!
Sold for $420,000
$420,000
11 Horseback Ln, Palmyra, VA 22963
3beds
2,484sqft
Single Family Residence
Built in 1996
0.47 Acres Lot
$418,300 Zestimate®
$169/sqft
$2,755 Estimated rent
Home value
$418,300
$376,000 - $464,000
$2,755/mo
Zestimate® history
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$2,606/mo
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Est. payment
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List your homeWhat's special
Beautifully updated three-story homeAttached garageOffice nookGranite countertopsBreakfast areaLaundry roomFormal dining room
Zillow last checked:
Listing updated:
Listed by:
Melanie Lucero 540-870-0714,
Real Broker, LLC,
Listing Team: The M Group
Bought with:
ERRIN SEARCY, 0225095090[1549]
STORY HOUSE REAL ESTATE
Source: Bright MLS,MLS#: VAFN2000566
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Bedroom 1
- Level: Upper
Bedroom 2
- Level: Upper
Bedroom 3
- Level: Upper
Bathroom 1
- Level: Upper
Bathroom 1
- Level: Lower
Bathroom 2
- Level: Upper
Half bath
- Level: Main
Heating
- Central, Heat Pump, Electric, Other
Cooling
- Central Air, Heat Pump, Programmable Thermostat, Electric, Other
Appliances
- Included: Dryer, Washer, Electric Water Heater, Water Heater
- Laundry: Has Laundry
Features
- Primary Bath(s)
- Basement: Full,Finished,Heated,Interior Entry,Exterior Entry,Walk-Out Access,Windows
- Number of fireplaces: 1
- Fireplace features: Wood Burning
Interior area
- Total structure area: 2,484
- Total interior livable area: 2,484 sqft
- Finished area above ground: 1,812
- Finished area below ground: 672
Property
Parking
- Total spaces: 1
- Parking features: Basement, Garage Faces Side, Inside Entrance, Asphalt, Attached, Driveway
- Attached garage spaces: 1
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Patio & porch: Deck, Porch
- Exterior features: Other
- Pool features: Community
- Fencing: Full
- Has view: Yes
- View description: Trees/Woods
- Waterfront features: Lake
- Body of water: Lake Monticello
Lot
- Size: 0.47 Acres
- Features: Landscaped, Wooded, Private
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 18A 3 137
- Zoning: R-4
- Zoning description: Residential
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Block
- Roof: Composition,Asphalt
Condition
- New construction: No
- Year built: 1996
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & neighborhood
Security
- Security features: Security Gate, Security System, Exterior Cameras
Location
- Region: Palmyra
- Subdivision: Lake Monticello
HOA & financial
HOA
- Has HOA: Yes
- HOA fee: $122 monthly
- Amenities included: Bar/Lounge, Basketball Court, Beach Access, Boat Ramp, Clubhouse, Community Center, Dining Rooms, Fitness Center, Golf Club, Jogging Path, Lake, Picnic Area, Security, Pool, Tennis Court(s), Tot Lots/Playground, Volleyball Courts
- Services included: Common Area Maintenance, Insurance, Management, Pool(s), Reserve Funds, Road Maintenance, Snow Removal
- Association name: LAKE MONTICELLO HOME OWNERS ASSOCIATION
Other
Other facts
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 5/7/2026 | Sold | $420,000-2.3%$169/sqft |
Source:  Bright MLS #VAFN2000566 Report a problem | ||
| 3/14/2026 | Pending sale | $429,900$173/sqft |
Source: Bright MLS #VAFN2000566 Report a problem | ||
| 2/9/2026 | Listed for sale | $429,900$173/sqft |
Source: Bright MLS #VAFN2000566 Report a problem | ||
| 1/13/2026 | Listing removed | $429,900$173/sqft |
Source: Bright MLS #VAFN2000566 Report a problem | ||
| 12/14/2025 | Listed for sale | $429,900+6.8%$173/sqft |
Source: Bright MLS #VAFN2000566 Report a problem | ||
| 10/21/2024 | Sold | $402,500+4.5%$162/sqft |
Source:  CAAR #657326 Report a problem | ||
| 10/8/2024 | Pending sale | $385,000$155/sqft |
Source: CAAR #657326 Report a problem | ||
| 10/3/2024 | Listed for sale | $385,000+40%$155/sqft |
Source: CAAR #657326 Report a problem | ||
| 7/21/2020 | Sold | $275,000-1.4%$111/sqft |
Source: Public Record Report a problem | ||
| 5/21/2020 | Listed for sale | $279,000$112/sqft |
Source: MONTICELLO COUNTRY REALTORS #603951 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,511 | $297,500 |
| 2023 | $2,511 | $297,500 +14.9% |
| 2022 | -- | $259,000 |
| 2021 | -- | $259,000 |
| 2020 | -- | $259,000 +19.6% |
| 2018 | $1,798 | $216,600 |
| 2017 | $1,798 | $216,600 +3.4% |
| 2016 | $1,798 | $209,400 |
| 2015 | $1,798 +10.7% | $209,400 +2.5% |
| 2014 | $1,624 -0.3% | $204,300 |
| 2013 | $1,630 | $204,300 -28.5% |
| 2012 | -- | $285,900 |
| 2011 | $1,544 | $285,900 |
| 2010 | -- | $285,900 |
| 2009 | -- | $285,900 |
| 2008 | -- | $285,900 |
| 2007 | -- | $285,900 +34.8% |
| 2006 | -- | $212,100 |
| 2005 | -- | $212,100 +43.4% |
| 2004 | -- | $147,900 |
| 2003 | -- | $147,900 |
| 2002 | -- | $147,900 +17.7% |
| 2001 | $892 | $125,700 |
Find assessor info on the county website
Neighborhood: 22963
Nearby schools
GreatSchools rating
- 6/10Fluvanna MiddleGrades: 5-7Distance: 5.8 mi
- 5/10Fluvanna County High SchoolGrades: 8-12Distance: 2.1 mi
- NAWest Central Primary SchoolGrades: PK-KDistance: 5.9 mi
Schools provided by the listing agent
- Elementary: Central
- Middle: Fluvanna
- High: Fluvanna
- District: Fluvanna County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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Estimated market value
$418,300
Get a cash offer in 3 minutes
Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$418,300
- Virginia
- Fluvanna County
- Palmyra
- 22963
- 11 Horseback Ln
Nearby cities
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