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$429,900

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 3 Full Baths
  • 1 Partial Bath
  • 2,484 Sq. Ft.
  • 1 Car Garage
  • Updated 5 hours ago
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11 Horseback Lane, Palmyra, VAVideo Tour of 11 Horseback Lane, Palmyra, VA.
Welcome to this beautifully updated three-story home in Lake Monticello, offering exclusive water access and a prime location near the Riverside gate. This well-maintained residence features 3 bedrooms, 3.5 baths, and approximately 2,500 finished square feet of flexible living space designed for everyday comfort and entertaining. The main level offers a welcoming living area with a wood-burning fireplace. The updated eat-in kitchen features granite countertops, a subway tile backsplash, stainless steel appliances, and ample cabinetry. A breakfast area and formal dining room provide multiple options for dining and gatherings. The second level offers 3 bedrooms including the primary suite and primary bathroom. In the hallway is an additional full bathroom. The bedrooms all featured beautiful paint colors and accent walls. The finished basement expands the living space with a spacious recreation room, full bath, laundry room, and office nook, offering versatility for a variety of uses. Outdoor spaces include a large front porch with space for seating, a private back deck, and a covered patio overlooking peaceful wooded surroundings. The newly fenced-in backyard offers added privacy and functionality. An attached garage adds convenience, while the 240 square foot shed with electricity provides excellent flexibility for storage, hobbies, or a workshop. High speed internet is available. Recent improvements include a backfeed switch and surge protector and welding outlet installed in the garage and a new garage door. Enjoy life in the Lake Monticello community, a gated lake neighborhood featuring a 352-acre lake and a wide range of amenities. Residents have access to the community swimming pool, lake beaches and swimming areas, a marina and boat launch, golf course, tennis and sports courts, recreational facilities, walking trails, and community spaces. Conveniently located near shopping and dining at Zion Crossroads and approximately 20 minutes from Charlottesville. Don't wait to schedule your tour and see all this home has to offer you!

Full Property Details for 11 Horseback Ln

General

  • Price: $429,900
  • HOA FEE: $122/month
  • Taxes: $2,931 (2025)
  • Status: Active
  • Type: Single Family
  • Source: BrightMLSMidAtlantic
  • MLS ID: VAFN2000566
  • Updated: 2/9/2026
  • Added to Site: 71 day(s) ago

Interior

  • Number of Rooms: 7
  • Rooms/Areas: Bedroom 2, Bedroom 3, Bedroom 1, Bathroom 1, Bathroom 2, Half Bath
  • Interior Features: Primary Bath(s)
  • Fireplace: Yes
  • Number of Fireplaces: 1
  • Fireplace(s): Wood
  • Appliances: Dryer, Washer

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Upper Floor Baths: 2
  • Upper - Full Baths: 2
  • Main Floor Baths: 1
  • Main - 1/2 Baths: 1
  • Lower Floor Baths: 1
  • Lower - Full Baths: 1

Bedrooms

  • Total Bedrooms: 3
  • Bedrooms Upper: 3

Other Rooms

  • Laundry: Has Laundry

Additional Information

  • Shared Amenities: Bar/Lounge, Basketball Courts, Beach, Boat Ramp, Club House, Community Center, Dining Rooms, Exercise Room, Golf Club, Jog/Walk Path, Lake, Picnic Area, Security, Swimming Pool, Tennis Courts, Tot Lots/Playground, Volleyball Courts
  • Shared Pool: Yes
  • Pool: Yes
  • Security/Safety: Security Gate, Security System, Exterior Cameras

Exterior

  • Exterior Features: Other
  • Porch/Patio/Deck: Deck(s), Porch(es)

Parking

  • Garage: Yes
  • Garage Spaces: 1
  • Total Spaces: 1
  • Parking Features: Asphalt Driveway
  • Parking Type: Attached Garage, Driveway
  • Garage Description: Basement Garage, Garage - Side Entry, Inside Access

Location

  • County: FLUVANNA
  • Subdivision: LAKE MONTICELLO
  • Driving Directions: It is best to put in the address to the main gate. Main gate is: 857 Jefferson Dr Palmyra VA 22963. The use GPS to take you to the property.

School Information

  • School District: Fluvanna County Public Schools
  • Elementary School: Central
  • Middle School: Fluvanna
  • High School: Fluvanna

Community

  • Association: Yes
  • Assoc. Name: LAKE MONTICELLO HOME OWNERS ASSOCIATION
  • Assoc. Fees Include: Common Area Maintenance, Insurance, Management, Pool(s), Reserve Funds, Road Maintenance, Snow Removal

Heating & Cooling

  • Central air: Yes
  • Cooling Type: Central A/C, Heat Pump(s), Programmable Thermostat
  • Cooling Fuel: Electric, Other
  • Heating Type: Central, Heat Pump(s)
  • Heating Fuel: Electric, Other
  • Water Heater: Electric, Other

Utilities

  • Sewer: Public Sewer
  • Water: Public

Structural Information

  • Architectural Style: Colonial
  • Structure Type: Detached
  • Construction: Vinyl Siding
  • Basement: Yes
  • Basement Entrance: Yes
  • Basement Desc.: Full, Fully Finished, Heated, Interior Access, Outside Entrance, Walkout Level, Windows
  • Foundation: Block
  • Roof: Composite, Asphalt
  • Stories Description: Lower 1, Main, Upper 1
  • Square Feet: 2,484
  • Sq. Ft. Source: Assessor
  • Living Area: 2,484 Sq. Ft.
  • Finished Above Grnd: 1,812 Sq. Ft.
  • Finished Below Grnd: 672 Sq. Ft.
  • Year Built: 1996
  • Year Built Source: Estimated

Unit Information

Unit 1

  • Bathrooms-Lower: 1

Lot Features

  • Property View: Trees/Woods
  • Lot Size (Acres): 0.47
  • Lot Size (Sq. Ft.): 20,473
  • Lot Size Source: Estimated
  • Zoning: R-4
  • Lot Description: Landscaping, Partly Wooded, Private
  • Fencing (Description): Fully

Water Features

  • Navigable Water: Yes
  • Water Access: Yes
  • Water Front Type: Lake
  • Water Front Name: Lake Monticello

Financial Considerations

  • Price Per Sq. Ft.: $237.25
  • Association Fee: $122
  • Assoc Fee Freq.: Monthly
  • Assessment Year: 2025
  • Tax w/Assessment: $390,900
  • Tax Amount: $2,931
  • Tax Year: 2025

Disclosures and Reports

  • Ownership: Fee Simple
  • Inclusions: kitchen appliances, window blinds, washer, dryer, built-in garage shelf, shed items

Listed by Real Broker, LLC, Melanie Virginia Lucero

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Listing agent

— 11 Horseback Ln —

  • Melanie Virginia Lucero

    Real Broker, LLC

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 11 Horseback Ln

School District:Fluvanna County Public Schools
NameGradesDistance
Fluvanna Middle
3717 Central Plains Road, Palmyra, VA 22963
5-75.8 mi
West Central Primary School
3340 Central Plains Road, Palmyra, VA 22963
PK-K5.8 mi
Central Elementary School, Palmyra, VA
3340 Central Plains Road, Palmyra, VA 22963
1-25.8 mi
Fluvanna County High School
1918 Thomas Jefferson Parkway, Palmyra, VA 22963
8-122.3 mi
Carrysbrook Elementary
9172 James Madison Highway, Fork Union, VA 23055
3-46.9 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 11 Horseback Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/13/2025
Listed
$429,900
6.81%
MLS
10/21/2024
Sold
$402,500
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 11 Horseback Ln

Year
Property Taxes
Change
Tax Assessment
Change
2024
$2,932
17%
$390,900
31%
2023
$2,511
—
$297,500
—
2022
$2,511
11%
$297,500
15%
2021
$2,253
-2%
$259,000
—
2020
$2,290
10%
$259,000
15%
2019
$2,090
16%
$226,000
4%
2017
$1,798
—
$216,600
—
2016
$1,798
—
$216,600
3%
2015
$1,798
—
$209,400
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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Listed by Real Broker, LLC, Melanie Virginia Lucero

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11 Horseback Lane, Palmyra, VA 22963 (MLS# VAFN2000566) is a Single Family property with 3 bedrooms, 3 full bathrooms and 1 partial bathroom. 11 Horseback Lane is currently listed for $429,900 and was received on December 13, 2025. Want to learn more about 11 Horseback Lane? Do you have questions about finding other Single Family real estate for sale in Palmyra? You can browse all Palmyra real estate or contact a Coldwell Banker agent to request more information.

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