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!
Closed
$517,900
13 Chatham Ln, Palmyra, VA 22963
4beds
2,112sqft
Single Family Residence
Built in 1984
0.49 Acres Lot
$512,700 Zestimate®
$245/sqft
$2,595 Estimated rent
Home value
$512,700
$431,000 - $610,000
$2,595/mo
Zestimate® history
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List your homeWhat's special
Pristine waterfrontPrivate boat dockPrivate dockFinished walk-out basementBright main-level primary suiteWater viewsUpgraded kitchen
Zillow last checked:
Listing updated:
Listed by:
SCOTT MACDONALD 703-727-6900,
RE/MAX GATEWAY
Bought with:
KAREN KEHOE, 0225194488
RE/MAX GATEWAY
Source: CAAR,MLS#: 662771
Originating MLS: Charlottesville Area Association of Realtors
Originating MLS: Charlottesville Area Association of RealtorsFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Primary bedroom
- Level: First
Bedroom
- Level: Third
Bedroom
- Level: Second
Bedroom
- Level: Basement
Primary bathroom
- Level: First
Bathroom
- Level: Second
Breakfast room nook
- Level: First
Family room
- Level: First
Half bath
- Level: Basement
Kitchen
- Level: First
Heating
- Central, Electric, Forced Air, Heat Pump
Cooling
- Central Air, Heat Pump
Appliances
- Included: Dishwasher, Electric Range, Disposal, Microwave, Refrigerator, Dryer, Washer
Features
- Double Vanity, Primary Downstairs, Remodeled, Walk-In Closet(s), Breakfast Area, Recessed Lighting, Utility Room
- Flooring: Carpet, Luxury Vinyl Plank
- Basement: Exterior Entry,Heated,Interior Entry,Partially Finished,Walk-Out Access
- Number of fireplaces: 1
- Fireplace features: One, Gas Log
Interior area
- Total structure area: 2,694
- Total interior livable area: 2,112 sqft
- Finished area above ground: 1,416
- Finished area below ground: 696
Property
Parking
- Total spaces: 1
- Parking features: Detached, Garage Faces Front, Garage
- Garage spaces: 1
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Covered, Deck, Front Porch, Patio, Porch
- Exterior features: Dock
- Has view: Yes
- View description: Trees/Woods, Water
- Has water view: Yes
- Water view: Water
Lot
- Size: 0.49 Acres
- Features: Wooded, Waterfront
- Topography: Rolling
Details
- Parcel number: 18/ A 1/ 341/
- Zoning description: R-4 Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subtype: Single Family Residence
Materials
- Stick Built
Condition
- Updated/Remodeled
- New construction: No
- Year built: 1984
Utilities & green energy
- Sewer: Community/Coop Sewer
- Water: Community/Coop
- Utilities for property: Other
Community & neighborhood
Security
- Security features: 24 Hour Security, Smoke Detector(s), Gated Community
Community
- Community features: Gated
Location
- Region: Palmyra
- Subdivision: LAKE MONTICELLO
HOA & financial
HOA
- Has HOA: Yes
- HOA fee: $1,267 annually
- Amenities included: Basketball Court, Boat Dock, Boat Ramp, Clubhouse, Golf Course, Picnic Area, Playground, Tennis Court(s), Trail(s), Water, Beach Rights
- Services included: Boat Ramp, Clubhouse, Golf, Playground, Reserve Fund, Snow Removal, Tennis Courts, Trash
Price history
| Date | Event | Price |
|---|---|---|
| 2/13/2026 | Sold | $517,900-0.4%$245/sqft |
Source:  CAAR #662771 Report a problem | ||
| 1/21/2026 | Pending sale | $519,900$246/sqft |
Source: CAAR #662771 Report a problem | ||
| 12/23/2025 | Price change | $519,900-1%$246/sqft |
Source: CAAR #662771 Report a problem | ||
| 8/12/2025 | Price change | $524,900-1.9%$249/sqft |
Source: CAAR #662771 Report a problem | ||
| 7/24/2025 | Price change | $534,990-1.8%$253/sqft |
Source: CAAR #662771 Report a problem | ||
| 7/3/2025 | Listed for sale | $544,990$258/sqft |
Source: CAAR #662771 Report a problem | ||
| 6/20/2025 | Pending sale | $544,990$258/sqft |
Source: CAAR #662771 Report a problem | ||
| 6/19/2025 | Listed for sale | $544,990+1.9%$258/sqft |
Source: CAAR #662771 Report a problem | ||
| 6/7/2025 | Listing removed | $534,990$253/sqft |
Source: CAAR #662771 Report a problem | ||
| 6/2/2025 | Listed for sale | $534,990$253/sqft |
Source: CAAR #662771 Report a problem | ||
| 5/27/2025 | Pending sale | $534,990$253/sqft |
Source: CAAR #662771 Report a problem | ||
| 5/23/2025 | Price change | $534,990-0.9%$253/sqft |
Source: CAAR #662771 Report a problem | ||
| 5/15/2025 | Price change | $539,990-1.8%$256/sqft |
Source: CAAR #662771 Report a problem | ||
| 4/29/2025 | Price change | $549,900-3.5%$260/sqft |
Source: CAAR #662771 Report a problem | ||
| 4/4/2025 | Listed for sale | $569,900-2.6%$270/sqft |
Source: CAAR #662771 Report a problem | ||
| 4/1/2025 | Listing removed | $584,900$277/sqft |
Source: CAAR #657274 Report a problem | ||
| 3/17/2025 | Price change | $584,900-0.8%$277/sqft |
Source: CAAR #657274 Report a problem | ||
| 3/12/2025 | Price change | $589,900-0.9%$279/sqft |
Source: CAAR #657274 Report a problem | ||
| 3/7/2025 | Price change | $595,000-0.8%$282/sqft |
Source: CAAR #657274 Report a problem | ||
| 2/16/2025 | Price change | $599,9000%$284/sqft |
Source: CAAR #657274 Report a problem | ||
| 2/11/2025 | Price change | $599,925+0%$284/sqft |
Source: CAAR #657274 Report a problem | ||
| 12/5/2024 | Price change | $599,900-4%$284/sqft |
Source: CAAR #657274 Report a problem | ||
| 11/20/2024 | Price change | $624,900-0.7%$296/sqft |
Source: CAAR #657274 Report a problem | ||
| 11/4/2024 | Price change | $629,000-3.1%$298/sqft |
Source: CAAR #657274 Report a problem | ||
| 10/7/2024 | Price change | $649,000-4.4%$307/sqft |
Source: CAAR #657274 Report a problem | ||
| 9/27/2024 | Listed for sale | $679,000+59.8%$321/sqft |
Source: CAAR #657274 Report a problem | ||
| 8/6/2024 | Sold | $425,000$201/sqft |
Source: CAAR #653205 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,081 | $365,000 |
| 2023 | $3,081 | $365,000 +7.5% |
| 2022 | -- | $339,500 |
| 2021 | -- | $339,500 |
| 2020 | -- | $339,500 +7.3% |
| 2018 | $2,598 | $316,400 |
| 2017 | $2,598 | $316,400 +6.7% |
| 2016 | $2,598 | $296,500 |
| 2015 | $2,598 +10.7% | $296,500 +0.4% |
| 2014 | $2,347 +14.9% | $295,200 |
| 2013 | $2,042 | $295,200 -17.6% |
| 2012 | -- | $358,200 |
| 2011 | $1,934 | $358,200 |
| 2010 | -- | $358,200 |
| 2009 | -- | $358,200 |
| 2008 | -- | $358,200 |
| 2007 | -- | $358,200 +47.3% |
| 2006 | -- | $243,100 |
| 2005 | -- | $243,100 +25.2% |
| 2004 | -- | $194,100 |
| 2003 | -- | $194,100 |
| 2002 | -- | $194,100 +9.7% |
| 2001 | $1,257 | $177,000 |
Find assessor info on the county website
Neighborhood: 22963
Nearby schools
GreatSchools rating
- 6/10Fluvanna MiddleGrades: 5-7Distance: 5.9 mi
- 5/10Fluvanna County High SchoolGrades: 8-12Distance: 2.3 mi
- NAWest Central Primary SchoolGrades: PK-KDistance: 6 mi
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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Estimated market value
$512,700
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Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$512,700
- Virginia
- Fluvanna County
- Palmyra
- 22963
- 13 Chatham Ln
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