CHARMING 3 BEDROOM, 2.5 BATH HOME IN LAKE MONTICELLO COMMUNITY! This well-maintained property offers comfortable living in one of Fluvanna’s most desirable gated communities. The main level features a spacious living room, dining area, and a bright kitchen with ample cabinet space. Upstairs, the primary suite includes a private bath, while two additional bedrooms share a full hall bath. A convenient half bath is located on the main level. Set on a private lot, the home offers outdoor space for relaxing or entertaining. Enjoy all of Lake Monticello’s amenities including the 352-acre lake with beaches, golf course, tennis, swimming pool, and clubhouse, plus easy access to shopping, dining, and Charlottesville.
Active
Price cut: $10K (11/7)
$299,900
13 Zephyr Rd, Palmyra, VA 22963
3beds
1,440sqft
Est.:
Single Family Residence
Built in 2019
0.34 Acres Lot
$298,800 Zestimate®
$208/sqft
$122/mo HOA
What's special
Private lotBright kitchenAmple cabinet spaceDining areaConvenient half bath
- 98 days |
- 862 |
- 54 |
Zillow last checked: 8 hours ago
Listing updated: November 10, 2025 at 12:12pm
Listed by:
GARY PALMER 434-436-2760,
TOWN REALTY
Source: CAAR,MLS#: 668623
Originating MLS: Charlottesville Area Association of Realtors
Originating MLS: Charlottesville Area Association of RealtorsTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Rooms
- Room types: Bathroom, Bedroom, Dining Room, Full Bath, Great Room, Half Bath, Kitchen, Laundry
Primary bedroom
- Level: Second
Bedroom
- Level: Second
Primary bathroom
- Level: Second
Bathroom
- Level: Second
Dining room
- Level: First
Great room
- Level: First
Half bath
- Level: First
Kitchen
- Level: First
Laundry
- Level: First
Heating
- Central, Heat Pump
Cooling
- Central Air, Heat Pump
Appliances
- Laundry: Washer Hookup, Dryer Hookup
Features
- Walk-In Closet(s)
- Windows: Insulated Windows, Low-Emissivity Windows, Screens, Tilt-In Windows
- Basement: Crawl Space
Interior area
- Total structure area: 1,440
- Total interior livable area: 1,440 sqft
- Finished area above ground: 1,440
- Finished area below ground: 0
Video & virtual tour
Property
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Front Porch, Porch
Lot
- Size: 0.34 Acres
- Features: Garden, Partially Cleared
Details
- Parcel number: 18A8272
- Zoning description: R-1 Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subtype: Single Family Residence
Materials
- Stick Built, Vinyl Siding
- Foundation: Brick/Mortar, Poured
- Roof: Composition,Shingle
Condition
- New construction: No
- Year built: 2019
Details
- Builder name: LIBERTY HOMES VA
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available
Community & HOA
Community
- Features: Gated
- Security: Gated Community, 24 Hour Security, Surveillance System
- Subdivision: LAKE MONTICELLO
HOA
- Has HOA: Yes
- Amenities included: Clubhouse, Playground, Tennis Court(s), Trail(s), Water, Beach Rights
- Services included: Clubhouse, Insurance, Playground, Reserve Fund, Road Maintenance, Snow Removal, Security, Tennis Courts
- HOA fee: $122 monthly
Location
- Region: Palmyra
Financial & listing details
- Price per square foot: $208/sqft
- Tax assessed value: $203,700
- Annual tax amount: $2,167
- Date on market: 9/3/2025
- Cumulative days on market: 98 days
Estimated market value
$298,800
$284,000 - $314,000
$2,238/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/7/2025 | Price change | $299,900-3.2%$208/sqft |
Source:  CAAR #668623 Report a problem | ||
| 10/7/2025 | Price change | $309,900-1.6%$215/sqft |
Source: CAAR #668623 Report a problem | ||
| 9/30/2025 | Price change | $314,900-1.6%$219/sqft |
Source: CAAR #668623 Report a problem | ||
| 9/4/2025 | Listed for sale | $319,900+75.9%$222/sqft |
Source: CAAR #668623 Report a problem | ||
| 3/11/2019 | Sold | $181,890+1112.6%$126/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2023 | $1,719 | $203,700 +16% |
| 2022 | -- | $175,600 |
| 2021 | -- | $175,600 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$1,837/mo
Principal & interest
$1448
Property taxes
$162
Other costs
$227
Climate risks
Neighborhood: 22963
Nearby schools
GreatSchools rating
- 6/10Fluvanna MiddleGrades: 5-7Distance: 7.1 mi
- 6/10Fluvanna County High SchoolGrades: 8-12Distance: 3.6 mi
- NAWest Central Primary SchoolGrades: PK-KDistance: 7.1 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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