A rare opportunity to own one of Lake Monticello’s premier waterfront properties! Situated on a spectacular lot with over 100 feet of shoreline, this property offers breathtaking lake views and endless potential. Whether you’re ready to restore the existing home or start fresh with a custom waterfront build, opportunities like this are few and far between. The value is truly in the location—enjoy direct water access, stunning sunsets, and the chance to create your dream lakefront retreat in one of Central Virginia’s most sought-after communities. Bring your vision, your builder, or your renovation plans and unlock the incredible potential this property has to offer. Conveniently located within the gated Lake Monticello community, residents enjoy access to a private lake, beaches, golf course, tennis and pickleball courts, swimming pool, walking trails, playgrounds, dining, and more. Don’t miss this chance to invest in an exceptional waterfront property where the possibilities are as expansive as the views.
Active
$710,000
21 Vine Ridge Dr, Palmyra, VA 22963
5beds
2,808sqft
Single Family Residence
Built in 1979
0.56 Acres Lot
$692,900 Zestimate®
$253/sqft
$122/mo HOA
What's special
Stunning sunsetsBreathtaking lake viewsDirect water access
- 8 days |
- 481 |
- 21 |
Zillow last checked:
Listing updated:
Listed by:
CHRISTY BECK,
LONG & FOSTER - LAKE MONTICELLO 434-589-7653,
THE GUNNELS GROUP 434-960-8987,
LONG & FOSTER - LAKE MONTICELLO
Source: CAAR,MLS#: 680466
Originating MLS: Charlottesville Area Association of Realtors
Originating MLS: Charlottesville Area Association of RealtorsFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 3
- Main level bedrooms: 5
Rooms
- Room types: Bathroom, Bedroom, Dining Room, Eat-in Kitchen, Family Room, Full Bath, Kitchen, Laundry, Living Room, Primary Bathroom, Primary Bedroom, Office
Primary bedroom
- Level: First
Bedroom
- Level: First
Primary bathroom
- Level: First
Bathroom
- Level: First
Dining room
- Level: First
Family room
- Level: Basement
Kitchen
- Level: First
Laundry
- Level: Basement
Living room
- Level: First
Office
- Level: Basement
Heating
- Central, Forced Air
Cooling
- Central Air
Features
- Primary Downstairs, Eat-in Kitchen, Home Office
- Flooring: Carpet, Hardwood
- Basement: Finished,Interior Entry
Interior area
- Total structure area: 3,240
- Total interior livable area: 2,808 sqft
- Finished area above ground: 1,512
- Finished area below ground: 1,296
Property
Parking
- Total spaces: 2
- Parking features: Attached, Garage Faces Front, Garage, Garage Door Opener
- Attached garage spaces: 2
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck, Patio
- Pool features: Community, Pool, Association
Lot
- Size: 0.56 Acres
- Features: Native Plants
Details
- Parcel number: 18A 12 11
- Zoning description: R-4 Residential
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Stick Built
- Foundation: Block
- Roof: Composition,Shingle
Condition
- New construction: No
- Year built: 1979
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, Fiber Optic Available, Satellite Internet Available
Community & HOA
Community
- Features: Pond, Dock, Pool
- Subdivision: LAKE MONTICELLO
HOA
- Has HOA: Yes
- Amenities included: Beach Rights, Boat Dock, Boat Ramp, Clubhouse, Golf Course, Picnic Area, Playground, Pool, Water
- HOA fee: $1,459 annually
Location
- Region: Palmyra
Financial & listing details
- Price per square foot: $253/sqft
- Tax assessed value: $517,700
- Annual tax amount: $4,845
- Date on market: 8/7/2026
Estimated market value
$692,900
$658,000 - $728,000
$2,470/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/7/2026 | Listed for sale | $710,000+89.3%$253/sqft |
Source:  CAAR #680466 Report a problem | ||
| 12/15/2006 | Sold | $375,000+44.2%$134/sqft |
Source: Agent Provided Report a problem | ||
| 4/30/2002 | Sold | $260,000$93/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $4,369 | $517,700 |
| 2023 | $4,369 | $517,700 +9.4% |
| 2022 | -- | $473,100 |
| 2021 | -- | $473,100 |
| 2020 | -- | $473,100 +6.8% |
| 2018 | $3,685 | $442,800 |
| 2017 | $3,685 | $442,800 +5.3% |
| 2016 | $3,685 | $420,400 |
| 2015 | $3,685 +10.7% | $420,400 +0.4% |
| 2014 | $3,329 +20.5% | $418,800 |
| 2013 | $2,763 | $418,800 -13.6% |
| 2012 | -- | $484,800 |
| 2011 | $2,618 | $484,800 |
| 2010 | -- | $484,800 |
| 2009 | -- | $484,800 |
| 2008 | -- | $484,800 |
| 2007 | -- | $484,800 +55.5% |
| 2006 | -- | $311,800 |
| 2005 | -- | $311,800 +39.4% |
| 2004 | -- | $223,700 |
| 2003 | -- | $223,700 |
| 2002 | -- | $223,700 +25.5% |
| 2001 | $1,265 | $178,200 |
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.Climate risks
Neighborhood: 22963
Nearby schools
GreatSchools rating
- 6/10Fluvanna MiddleGrades: 5-7Distance: 6.8 mi
- 5/10Fluvanna County High SchoolGrades: 8-12Distance: 3 mi
- NAWest Central Primary SchoolGrades: PK-KDistance: 6.8 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.
- $997,8004 bd5 ba6.6k sqft23 Vine Ridge Dr, Palmyra, VA 22963Off Market
- $816,5003 bd3 ba2.4k sqft19 Vine Ridge Dr, Palmyra, VA 22963Off Market
- $650,0004 bd3 ba2.4k sqft17 Vine Ridge Dr, Palmyra, VA 22963Sold
- $963,9003 bd3 ba1.7k sqft25 Vine Ridge Dr, Palmyra, VA 22963Off Market
- $685,6003 bd3 ba3.1k sqft20 Vine Ridge Dr, Palmyra, VA 22963Off Market
- $650,5003 bd2 ba1.4k sqft22 Vine Ridge Dr, Palmyra, VA 22963Off Market
- $899,3004 bd3 ba300 sqft15 Vine Ridge Dr, Palmyra, VA 22963Off Market
- $621,5004 bd3 ba2k sqft18 Vine Ridge Dr, Palmyra, VA 22963Off Market
A local agent can set up tours, give advice and negotiate with sellers.
Similar homes
- $725,0003 bd3 ba2.9k sqft274 Jefferson Dr, Palmyra, VA 22963For Sale
MLS ID #680341, DENISE RAMEY TEAM, LONG & FOSTER - CHARLOTTESVILLE WEST. CAAR - $675,0004 bd4 ba3.8k sqft17 Acre Ln, Palmyra, VA 22963For Sale
MLS ID #680562, KEVIN QUICK, RE/MAX REALTY SPECIALISTS-CHARLOTTESVILLE. CAAR - $685,0003 bd4 ba2.2k sqft42 Cliftwood Rd, Palmyra, VA 22963For Sale
MLS ID #678194, HELEN ASCOLI, NEST REALTY GROUP. CAAR - $739,0004 bd3 ba3.1k sqft11 Chatham Ln, Palmyra, VA 22963For Sale
MLS ID #679602, RUTH GUSS, RE/MAX REALTY SPECIALISTS-CHARLOTTESVILLE. CAAR - $629,9004 bd3 ba3.4k sqft32 Mulligan Dr, Palmyra, VA 22963For SaleMLS ID #678921, KAREN KEHOE, RE/MAX GATEWAY. CAAR
- $549,9004 bd4 ba3.6k sqft39 Cliftwood Rd, Palmyra, VA 22963For SaleMLS ID #680067, KAREN KEHOE, RE/MAX GATEWAY. CAAR
- $479,0004 bd4 ba2.9k sqft27 Ponderosa Ln, Palmyra, VA 22963For SaleMLS ID #680178, PEGGY SHANKLIN, LONG & FOSTER - LAKE MONTICELLO. CAAR
- $449,0004 bd3 ba2.7k sqft211 Justin Dr, Palmyra, VA 22963For SaleMLS ID #680413, IRIS HELFRICH, MONTICELLO COUNTRY REALTY, LLC. CAAR
- $520,0004 bd3 ba2.7k sqft2 Whippoorwill Ln, Palmyra, VA 22963For SaleMLS ID #674634, VICKI WILSON, MONTICELLO COUNTRY REALTY, LLC. CAAR
- $425,0003 bd4 ba2.5k sqft54 Amethyst Rd, Palmyra, VA 22963For SaleMLS ID #677432, LISA CAMPBELL, YES REALTY PARTNERS. CAAR
- $932,0004 bd3 ba3.1k sqft13 Condor Rd, Palmyra, VA 22963For SaleMLS ID #676896, GENEVIEVE REILLY, LONG & FOSTER - LAKE MONTICELLO. CAAR
- $429,0003 bd3 ba2.6k sqft26 Wildwood Dr, Palmyra, VA 22963For SaleMLS ID #679826, MATT MERLENE, REAL BROKER, LLC. CAAR
- $399,9004 bd3 ba1.8k sqft9 Morewood Pl, Palmyra, VA 22963For SaleMLS ID #677636, THE GUNNELS GROUP. Long & Foster Broker Feed
- $373,0004 bd3 ba2k sqft25 Bunker Blvd, Palmyra, VA 22963For SaleMLS ID #678093, COLLEEN MARSHALL, HOWARD HANNA ROY WHEELER REALTY - ZION CROSSROADS. CAAR
- $498,0003 bd3 ba2k sqft56 Ponderosa Ln, Palmyra, VA 22963For SaleMLS ID #678122, IRIS HELFRICH, MONTICELLO COUNTRY REALTY, LLC. CAAR
- $379,0003 bd3 ba1.9k sqft5881 Thomas Jefferson Pkwy, Palmyra, VA 22963For SaleMLS ID #679142, VICKI WILSON, MONTICELLO COUNTRY REALTY, LLC. CAAR
- $399,0004 bd3 ba3.1k sqft11 Shiloh Ct, Palmyra, VA 22963For SaleMLS ID #677909, JOSEPH SULLIVAN, DOGWOOD REALTY GROUP LLC. CAAR
- $769,0003 bd2 ba2.1k sqft1663 Wilmington Rd, Palmyra, VA 22963For SaleMLS ID #680063, CONOR MURRAY, FRANK HARDY SOTHEBY'S INTERNATIONAL REALTY. CAAR
- $379,0003 bd2 ba1.6k sqft37 Laguna Rd, Palmyra, VA 22963For SaleMLS ID #675645, IRIS HELFRICH, MONTICELLO COUNTRY REALTY, LLC. CAAR
- $380,0004 bd4 ba2.5k sqft31 Lafayette Dr, Palmyra, VA 22963For SaleMLS ID #675048, MARJORIE ADAM, BETTER HOMES & GARDENS R.E.-PATHWAYS. CAAR
