13 Chatham Ln
PALMYRA, VA 22963
- 4 beds
- 3 baths
- 2,112 sqft
- $269 per sqft
- 1984 build
WATERFRONT Oasis with Private Dock! - Move-In Ready Cape Cod! Prepare to be captivated by this stunning 4-bedroom, 2.5-bath retreat, perfectly situated on 126 feet of pristine waterfront in a tranquil cove. Step inside to discover a first-floor primary suite that?s a true haven?complete with an attached bath featuring a double vanity and an expansive walk-in closet. The upgraded kitchen and bathrooms boast modern finishes, new stainless-steel appliances, sleek flooring, stylish lighting, and energy-efficient windows framing breathtaking water views. Downstairs, a 696 sq ft finished walk-out basement offers endless possibilities?featuring a spacious bedroom (or optional family room), a laundry area with new washer and dryer, a bath rough-in, and a large workshop with ample storage. Outside, all-new concrete steps lead to a refreshed boat dock with new decking, ready for your lake adventures. A single-car garage completes this gem. Nestled in the gated Lake Monticello community (with 22 miles of shoreline), this home is your ticket to year-round lakefront bliss or the ultimate getaway. Enjoy exclusive amenities like a PGA golf course, tennis and pickleball courts, and an Olympic-sized pool!
Last checked:
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Last updated Apr 14, 2025
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MLS# 662771 —
The Building
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Year Built:1984
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Year Built Source:Estimated
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New Construction:No
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Construction Completed:No
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Structure Type:Detached
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Architectural Style:Cape Cod
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Levels:1.5
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Security Features:24 hour security, Security Gate, Smoke Detector
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Accessibility Features:None
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Foundation Details:Block
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Basement:Yes
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Basement Type:Heated, Interior Access, Outside Entrance, Partially Finished, Walkout Level, Windows
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Building Area Units:Square Feet
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Building Total SqFt:2694.00
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Total SqFt Source:Estimated
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Total Below Grade SqFt:984
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Total Below Grade SqFt Source:Estimated
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Above Grade Finished Area Units:Square Feet
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Above Grade Unfinished Area Units:Square Feet
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Above Grade Finished SqFt:1416
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Above Grade Finished SqFt Source:Estimated
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Above Grade Unfinished SqFt Source:Estimated
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Below Grade Finished Area Units:Square Feet
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Below Grade Unfinished Area Units:Square Feet
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Below Grade Finished SqFt Source:Estimated
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Below Grade Finished SqFt:696
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Below Grade Unfinished SqFt:288
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Below Grade Unfinished SqFt Source:Estimated
Interior
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Interior Features:Entry Level Bedroom
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Room List:Full Bath, Half Bath, Additional Bedroom
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Flooring Type:Carpet
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Fireplace:No
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Living Area SqFt Source:Estimated
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Living Area Units:Square Feet
Room Dimensions
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Total SqFt:2400
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Living Area SqFt:2,112 Sqft
Financial & Terms
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Sale Type:Standard
Location
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Directions:ENTER MAIN GATE AT ASHLAWN & LAKE MONTICELLO RD:Take I-64 to exit 129 (616).Turn Rt onto Black Cat/Union Mills/616 for 6 miles.Rt on 600 for 1.6 miles.Rt on Lake Monticello.Lft to Enter gate at Ashlawn.Lft on Jefferson.Rt on Woodridge.Rt on Chatham.
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Latitude:37.90836300
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Longitude:-78.29808900
The Property
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Property Type:Residential
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Lot Size Acres:0.49
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Lot Features:Sloping, Partly Wooded
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Inclusions:Refrigerator with ice maker, washer, dryer, range - electric, built-in microwave, dishwasher.
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Zoning:R-4
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Zoning Description:Residential
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View:Water, Trees/Woods
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Other Structures:Above Grade, Below Grade
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Waterview:Yes
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Waterfront:Yes
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Water Oriented:Yes
Listing Agent
- Contact info:
- Agent phone:
- (703) 727-6900
- Office phone:
- (540) 341-1000
Taxes
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Tax Year:2024
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Tax Annual Amount:$3,081
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Total Taxes Payment Frequency:Annually
Beds
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Bedrooms:4
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Bedrooms Main Level:1
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Upper Level Bedrooms:2
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Lower Level Bedrooms:1
Baths
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Total Baths:3
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Full Baths:2
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Half Baths:1
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Main Level Baths:1.00
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Main Level Full Baths:1
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Upper Level Total Baths:1
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All Lower Levels Total Baths:1
Heating & Cooling
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Cooling:No
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Cooling Type:Central A/C, Heat Pump(s)
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Central Air:Yes
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Heating:Yes
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Heating Type:Central, Forced Air, Heat Pump(s)
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Heating Fuel:Electric
Utilities
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Sewer/Septic:Private/Community Septic Tank
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Water Source:Community
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Internet Services:Other
Appliances
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Appliances:Dryer, Washer
Schools
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Elementary School:Central
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Middle School:Fluvanna
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High School:FLUVANNA
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School District Name:Fluvanna County Public Schools
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School District Source:Listing Agent
The Community
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Subdivision Name:Lake Monticello
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HOA:Yes
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Condo/Coop Association:No
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HOA/Condo/Coop Amenities:Beach, Boat Ramp, Club House, Golf Club, Tot Lots/Playground, Tennis Courts, Basketball Courts, Lake, Picnic Area, Jog/Walk Path
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HOA Fee:$1,267
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HOA Fee Frequency:Annually
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Condo/Coop Fee:$871
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Condo/Coop Fee Frequency:One Time
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HOA/Condo/Coop Fee:Reserve Funds, Snow Removal, Trash
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HOA Name:(434) 589 8263
Parking
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Garage:No
Extra Units
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Vacation Rental:No
Monthly cost estimate

Asking price
$569,900
Expense | Monthly cost |
---|---|
Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$3,051
|
Taxes | $256 |
Insurance | $156 |
Utilities | $181 See report |
Total | $3,644/mo.* |
*This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Sale history
Date | Event | Source | Price | % Change |
---|---|---|---|---|
4/4/25
Apr 4, 2025
|
Listed / Active | BRIGHT | $569,900 | 34.1% |
8/6/24
Aug 6, 2024
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BRIGHT | $425,000 | ||
7/28/24
Jul 28, 2024
|
BRIGHT |