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$519,900
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Property Description
Waterfront Paradise Awaits! Lowest-Priced Lakefront Home with Private Dock ? Don?t miss this stunning 4-bed, 2.5-bath Cape Cod retreat on 126 feet of pristine waterfront in the exclusive Lake Monticello community. Priced to sell as the lowest-priced lakefront home, this move-in-ready home features over $100,000 in upgrades, offering an unbeatable value! Inside, enjoy a bright main-level primary suite with a luxurious bath, double vanity, and spacious walk-in closet. The upgraded kitchen boasts new stainless-steel appliances, sleek flooring, modern lighting, and energy-efficient windows with incredible water views. The finished walk-out basement includes a bedroom (or family room), new washer/dryer, bath rough-in, and a large workshop for extra storage. Outside, new concrete steps lead to a refreshed private boat dock with new decking. A single-car garage adds convenience. Lake Monticello offers 22 miles of shoreline, a PGA golf course, tennis and pickleball courts, an Olympic pool, and more. Whether a year-round retreat or a weekend getaway, this home has it all!,Marble Counter,White Cabinets,Fireplace in Family Room
Full Property Details
Full Property Details for 13 Chatham Ln
General
- Price: $519,900
- HOA FEE: $106/month
- HOA FEE FREQ.: Annually
- Taxes: $3,081 (2024)
- Status: Active
- Type: Single Family
- Source: BrightMLSMidAtlantic
- MLS ID: 662771
- Updated: 12/23/2025
- Added to Site: 287 day(s) ago
Interior
- Rooms/Areas: Kitchen, Family Room, Breakfast Room, Full Bath, Half Bath, Additional Bedroom
- Interior Features: Entry Level Bedroom
- Fireplace: Yes
- Number of Fireplaces: 1
- Fireplace(s): Gas/Propane
- Appliances: Dryer, Washer
- Flooring: Carpet
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 2
- Half Bathrooms: 1
- Upper Floor Baths: 1
- Main Floor Baths: 1
- Main - Full Baths: 1
- Lower Floor Baths: 1
Bedrooms
- Total Bedrooms: 4
- Bedrooms Upper: 2
- Bedrooms Lower: 1
- Bedrooms Main & Up: 1
Additional Information
- Shared Amenities: Beach, Boat Ramp, Club House, Golf Club, Tot Lots/Playground, Tennis Courts, Basketball Courts, Lake, Picnic Area, Jog/Walk Path
- Security/Safety: 24 hour security, Security Gate, Smoke Detector
Location
- County: FLUVANNA
- Subdivision: LAKE MONTICELLO
- Driving 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.
School Information
- School District: Fluvanna County Public Schools
- Elementary School: Central
- Middle School: Fluvanna
- High School: Fluvanna
Community
- Association: Yes
- Assoc. Name: (434) 589-8263
- Assoc. Fees Include: Reserve Funds, Snow Removal, Trash
Heating & Cooling
- Central air: Yes
- Cooling Type: Central A/C, Heat Pump(s)
- Heating Type: Central, Forced Air, Heat Pump(s)
- Heating Fuel: Electric
Utilities
- Sewer: Public Sewer
- Water: Community
Structural Information
- Architectural Style: Cape Cod
- Structure Type: Detached
- Basement: Yes
- Basement Entrance: Yes
- Basement Desc.: Heated, Interior Access, Outside Entrance, Partially Finished, Walkout Level, Windows
- Foundation: Wood
- Stories Description: Main
- Building Size: 2694
- Square Feet: 2,400
- Sq. Ft. Source: Estimated
- Living Area: 2,112 Sq. Ft.
- Finished Above Grnd: 1,416 Sq. Ft.
- Finished Below Grnd: 696 Sq. Ft.
- Year Built: 1984
- Year Built Source: Estimated
Lot Features
- Property View: Water, Trees/Woods
- Lot Size (Acres): 0.49
- Zoning: R-4
- Lot Description: Sloping, Partly Wooded
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Type: Bay
Financial Considerations
- Price Per Sq. Ft.: $367.16
- Association Fee: $1,267
- Assoc Fee Freq.: Annually
- Condo Fee: $871
- Condo Fee Freq: One Time
- Tax Amount: $3,081
- Tax Year: 2024
Disclosures and Reports
- Ownership: Other
- Inclusions: Refrigerator with ice maker, washer, dryer, range - electric, built-in microwave, dishwasher.
Listed by Re/Max Gateway, SCOTT MACDONALD
Get Pre-Approved Today
Schools
Schools serving 13 Chatham Ln
School District:Fluvanna County Public Schools
| Name | Grades | Distance |
|---|---|---|
Fluvanna Middle 3717 Central Plains Road, Palmyra, VA 22963 | 5-7 | 5.9 mi |
West Central Primary School 3340 Central Plains Road, Palmyra, VA 22963 | PK-K | 6 mi |
Central Elementary School, Palmyra, VA 3340 Central Plains Road, Palmyra, VA 22963 | 1-2 | 6 mi |
Fluvanna County High School 1918 Thomas Jefferson Parkway, Palmyra, VA 22963 | 8-12 | 2.5 mi |
Carrysbrook Elementary 9172 James Madison Highway, Fork Union, VA 23055 | 3-4 | 7 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 13 Chatham Ln
Date
Details
Price
Change
Source
12/23/2025
Price Reduced
$519,900
-0.95%
MLS
8/12/2025
Price Reduced
$524,900
-1.89%
MLS
7/24/2025
Price Reduced
$534,990
-1.83%
MLS
6/19/2025
Price Increased
$544,990
1.87%
MLS
5/23/2025
Price Reduced
$534,990
-0.93%
MLS
5/15/2025
Price Reduced
$539,990
-1.8%
MLS
4/29/2025
Price Reduced
$549,900
-3.51%
MLS
4/04/2025
Listed
$569,900
-27.4%
MLS
6/11/2019
Sold
$785,000
—
Public Record
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
Tax History for 13 Chatham Ln
Year
Property Taxes
Change
Tax Assessment
Change
2024
$4,361
42%
$581,520
59%
2023
$3,081
—
$365,000
—
2022
$3,081
4%
$365,000
8%
2021
$2,954
-2%
$339,500
—
2020
$3,001
1%
$339,500
6%
2019
$2,972
14%
$321,300
2%
2017
$2,598
—
$316,400
—
2016
$2,598
—
$316,400
7%
2015
$2,598
—
$296,500
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 13 Chatham Ln
13 Chatham Ln, Palmyra, VA 22963 (MLS# 662771) is a Single Family property with 4 bedrooms, 2 full bathrooms and 1 partial bathroom. 13 Chatham Ln is currently listed for $519,900 and was received on April 04, 2025. Want to learn more about 13 Chatham Ln? 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.

