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For sale
    • $1,185,000

    14491 Three Oaks Ter, Montpelier, VA 23192

    5beds
    5,271sqft
    : 
    $7,099/mo
    Get pre-qualified
    Single Family Residence
    Built in 1989
    5 Acres Lot
    $1,136,000 Zestimate®
    $225/sqft
    $67/mo HOA

    What's special

    Welcome to Split Oaks, a waterfront retreat situated 5 acres private acres providing exceptional outdoor living. Upon pulling down the paved driveway you will notice the peaceful waterfront setting, mature landscaping and the beautiful custom all brick home. Inside, you will find a grand 2 story foyer with wrap around staircase. To the right of the foyer is an office/study with glass French Doors for privacy, built in bookshelves in the & decorative dental molding. On the other side of the foyer is a formal dining room that flows into the eat in kitchen. The eat in kitchen has a large center island with granite countertop, ample cabinet space, stainless steel appliances, adjacent dining area & views of the lake from the kitchen sink. Adjacent to the kitchen is a Florida room with access to the back deck. The family room offers a fireplace, bar area for entertaining & more views of the water. Rounding out the first floor is a guest bedroom, full hall bathroom, powder room & laundry room. Upstairs, you will find the private owners suite with panoramic views of the lake, a fireplace, his and her separate bathrooms, which is a true luxury and a 2 walk in closets. The basement is perfect for entertaining with a bonus room with wood burning fireplace & bar, plus 2 bedrooms, a full bathroom & a built in sauna. The outdoor spaces are a true highlight, featuring an expansive brick patio with outdoor fireplace, covered dining pavilion, and multi-level deck, creating the perfect setting for entertaining or unwinding in total privacy. There is also a dock to put in paddle board or kayak. This is a rare waterfront property that blends privacy & recreation.
    32 days
    |
    849
    |
    54
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Megan Napier 804-314-9935,

    Napier REALTORS ERA 804-794-4531

    Source: CVRMLS,MLS#: 2614098MLS LogoOriginating MLS: Central Virginia Regional MLS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 5
      • Full bathrooms: 4
      • 1/2 bathrooms: 1
      Primary bedroom
      • Description: carpet/2 en-suite bathrooms/2 walk in closets
      • Level: Second
      • Dimensions: 24.0 x 17.2
      Bedroom 2
      • Description: carpet/closet
      • Level: First
      • Dimensions: 16.3 x 10.8
      Bedroom 3
      • Description: carpet/closet
      • Level: Basement
      • Dimensions: 16.4 x 15.3
      Bedroom 4
      • Description: carpet/closet
      • Level: Basement
      • Dimensions: 15.7 x 15.3
      Bedroom 5
      • Description: carpet/closet
      • Level: Basement
      • Dimensions: 21.7 x 11.10
      Additional room
      • Description: hardwood/built-ins/French Doors
      • Level: First
      • Dimensions: 7.8 x 14.4
      Additional room
      • Description: breakfast nook
      • Level: First
      • Dimensions: 13.3 x 15.3
      Dining room
      • Description: hardwood/chandelier/French Doors
      • Level: First
      • Dimensions: 15.8 x 16.10
      Florida room
      • Description: carpet/access to the deck
      • Level: First
      • Dimensions: 21.9 x 11.10
      Foyer
      • Description: two story, wrap around staircase, chandelier
      • Level: First
      • Dimensions: 15.8 x 16.0
      Other
      • Description: Tub & Shower
      • Level: Basement
      Other
      • Description: Tub & Shower
      • Level: First
      Other
      • Description: Tub & Shower
      • Level: Second
      Half bath
      • Level: First
      Kitchen
      • Description: tile/island/recessed lighting
      • Level: First
      • Dimensions: 15.8 x 15.3
      Living room
      • Description: fireplace/hardwood/wet bar
      • Level: First
      • Dimensions: 24.0 x 18.6
      Office
      • Description: hardwood
      • Level: First
      • Dimensions: 16.3 x 13.7
      Heating
      • Electric, Heat Pump, Propane, Zoned
      Cooling
      • Central Air, Electric, Zoned
      Appliances
      • Included: Built-In Oven, Dishwasher, Electric Water Heater, Gas Cooking, Disposal, Refrigerator, Water Heater
      Features
      • Wet Bar, Bedroom on Main Level, Separate/Formal Dining Room, Eat-in Kitchen, French Door(s)/Atrium Door(s), Fireplace, Granite Counters, Kitchen Island, Walk-In Closet(s)
      • Flooring: Partially Carpeted, Wood
      • Doors: French Doors
      • Basement: Full,Walk-Out Access
      • Attic: Walk-In
      • Number of fireplaces: 3
      • Fireplace features: Gas, Wood Burning
      Interior area
      • Total interior livable area: 5,271 sqft
      • Finished area above ground: 3,603
      • Finished area below ground: 1,668

      Property

      Parking
      • Total spaces: 2
      • Parking features: Attached, Direct Access, Driveway, Garage, Garage Door Opener, Paved, Garage Faces Rear, Garage Faces Side
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      Features
      • Patio & porch: Front Porch, Deck
      • Exterior features: Deck, Dock, Hot Tub/Spa, Sprinkler/Irrigation, Paved Driveway
      • Pool features: None
      • Has spa: Yes
      • Fencing: None
      • On waterfront: Yes
      • Waterfront features: Dock Access, Lake, Lake Front, Mooring, Water Access, Walk to Water, Waterfront
      Lot
      • Size: 5 Acres
      • Features: Landscaped, Waterfront
      Details
      • Parcel number: 7841494573
      • Zoning description: A1
      • Special conditions: Estate

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Cape Cod,Custom
      • Property subtype: Single Family Residence
      Materials
      • Brick, Drywall
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Resale
      • New construction: No
      • Year built: 1989

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Well

      Community & HOA

      Community
      • Features: Home Owners Association
      • Subdivision: Claybank
      HOA
      • Has HOA: Yes
      • Services included: Common Areas
      • HOA fee: $800 annually
      Location
      • Region: Montpelier

      Financial & listing details

      • Price per square foot: $225/sqft
      • Tax assessed value: $1,224,900
      • Annual tax amount: $9,921
      • Date on market: 6/24/2026
      • Ownership: Estate

        Estimated market value

        $1,136,000

        $1.08M - $1.19M

        $5,073/mo

        Price history

        DateEventPrice
        6/25/2026Listed for sale$1,185,000+35.9%$225/sqft
        Source: CVRMLS #2614098 Report a problem
        9/24/2020Sold$872,000-5.7%$165/sqft
        Source: CVRMLS #2017207 Report a problem
        7/19/2020Pending sale$925,000$175/sqft
        Source: Napier REALTORS ERA #2017207 Report a problem
        6/12/2020Listed for sale$925,000+62.3%$175/sqft
        Source: Napier REALTORS ERA #2017207 Report a problem
        12/3/1998Sold$570,000$108/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$8,624 $1,064,700
        2024$8,624 +15.8%$1,064,700 +15.8%
        2023$7,449 +6.1%$919,600 +6.1%
        2022$7,023 $867,000 +16.8%
        2021-- $742,000 +2.4%
        2020$5,868 +13.4%$724,400 +13.4%
        2019$5,173 $638,700
        2018$5,173 $638,700
        2017$5,173 +4.4%$638,700
        2016$4,956 $638,700 +4.4%
        2015$4,956 $611,800
        2014$4,956 $611,800
        2013$4,956 -7.3%--
        2012$5,348 -13.3%--
        2011$6,167 -11.6%--
        2010$6,977 --
        2009$6,977 --
        2008$6,977 --
        2007$6,977 +17.3%--
        2006$5,946 --
        2005$5,946 --
        2004-- --
        2003$4,955 --
        2002$4,955 --
        2001$4,955 --
        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.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 23192

        Getting around

        0 / 100
        Car-Dependent
        16 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: South Anna
        • Middle: Liberty
        • High: Patrick Henry

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

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