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$388,900
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Property Description
Straight from the pages of Southern Living Magazine, this newly renovated and enchanting country cottage will immediately elevate your lifestyle, and leave you smiling, ear-to-ear. Located in the idyllic Lake Monticello community, this adorable home recently enjoyed a complete head-to-toe makeover, including: new white quartz countertops, LVP flooring, new custom wood kitchen cabinets, stainless kitchen appliances, luxurious tile backsplash, renovated bathrooms, new lighting, incredible farm sink, wood-burning fireplace and mantle, new plumbing, and even more improvements! Outside renovations include beautiful new white siding, black window trim, a new HVAC, new plumbing/pipes, new screens, fencing, and more. All of these improvements are listed in the documents section. This cozy abode offers over 1,300 square feet, and is anchored around a large family room, featuring a lovely wood-burning fireplace and chunky statement rustic mantle above. The spacious primary suite includes a walk-in closet, designer wallpaper, ceiling fan, and en suite bathroom, vanity, tile flooring, and beautiful glass shower door with elegant black trim. Your guests will enjoy the spacious guest room and second full bathroom with shiplap and elegant countertops. The kitchen is open, spacious, and features custom wood cabinetry, a large peninsula with bar seating, recessed lighting, and smoothly connects to an open dining area with large storage closet/pantry showcasing rustic barn doors. This home also offers a separate laundry room off the kitchen with washer and dryer. Unwind outside in the extremely private, fairytale-like courtyard, complete with shaded seating beneath a lovely gazebo, constructed on a hardscape patio, a relaxing rock waterfall, hammock, lots of natural shade, large back deck attached to the home, and plenty of private shaded yard space. This property also offers are big detached two-car garage, as well as a convenient storage shed with storage shelving. In addition, you'll also enjoy all of the incredible amenities Lake Monticello has to offer, including a private lake, boating, fishing, 18-hole golf course, tennis courts, swimming pool, sandy beaches, a walking track, and much more.
Full Property Details
Full Property Details for 28 Arapaho Trail
General
- Price: $388,900
- HOA FEE: $122/month
- HOA FEE FREQ.: Annually
- Taxes: $1,464 (2022)
- Status: Active
- Type: Single Family
- Source: BrightMLSMidAtlantic
- MLS ID: VAFN2000492
- Updated: 12/17/2025
- Added to Site: 141 day(s) ago
Interior
- Interior Features: Bathroom - Walk-In Shower, Breakfast Area, Ceiling Fan(s), Combination Kitchen/Dining, Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Eat-In, Primary Bath(s), Recessed Lighting, Kitchen - Galley, Pantry, Upgraded Countertops, Walk-in Closet(s)
- Fireplace: Yes
- Number of Fireplaces: 1
- Fireplace(s): Wood
- Appliances: Built-In Microwave, Dryer, Dishwasher, Freezer, Water Heater, Washer, Stainless Steel Appliances, Stove
- Flooring: Luxury Vinyl Plank
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
- Main Floor Baths: 2
- Main - Full Baths: 2
Bedrooms
- Total Bedrooms: 2
- Bedrooms Main & Up: 2
Other Rooms
- Laundry: Main Floor
Additional Information
- Shared Amenities: Beach, Bike Trail, Boat Ramp, Club House, Common Grounds, Community Center, Fencing, Gated Community, Golf Course, Jog/Walk Path, Lake, Mooring Area, Picnic Area, Pier/Dock, Pool - Outdoor, Putting Green, Recreational Center, Security, Swimming Pool, Tennis Courts, Tot Lots/Playground, Water/Lake Privileges
Exterior
- Exterior Features: Extensive Hardscape, Outbuilding(s), Water Fountains
- Porch/Patio/Deck: Deck(s), Patio(s)
Parking
- Garage: Yes
- Garage Spaces: 2
- Total Spaces: 2
- Parking Features: Asphalt Driveway, Paved Parking
- Parking Type: Attached Garage
- Garage Description: Garage - Front Entry
Location
- County: FLUVANNA
- Subdivision: LAKE MONTICELLO
- Driving Directions: At the traffic circle, take the 2nd exit onto US-522 S. Turn right onto VA-208 W/VA-22 W (you’ll pass Hardee’s on your right). Turn left onto VA-208 W/Courthouse Rd. Merge onto I-64 W toward Charlottesville. Take exit 136 for US-15 S toward Palmyra and continue on US-15 S. Turn right onto State Rte 616, then left onto S Boston Rd (State Rte 600). Turn right onto Lake Monticello Rd, then right onto Chippewa Ln. Turn right onto Pawnee Ln, then left onto Arapaho Trail. Your destination will be on the left.
- Location Details: Lake
School Information
- School District: Fluvanna County Public Schools
- Middle School: Fluvanna
- High School: Fluvanna County
Community
- Association: Yes
- Assoc. Name: LAKE MONTICELLO
- Assoc. Fees Include: Common Area Maintenance, Pier/Dock Maintenance, Security Gate, Trash, Insurance, Management
Heating & Cooling
- Central air: Yes
- Cooling Type: Ceiling Fan(s), Central A/C
- Cooling Fuel: Electric
- Heating Type: Heat Pump(s)
- Heating Fuel: Electric
- Water Heater: Electric
Utilities
- Sewer: Public Sewer
- Water: Public
- Utility Description: Cable TV
Structural Information
- Architectural Style: Ranch/Rambler
- Structure Type: Detached
- Construction: Vinyl Siding
- Foundation: Crawl Space
- Roof: Shingle
- Walls/Ceilings: Dry Wall
- Windows: Insulated
- Doors: Insulated
- Stories Description: Main
- Square Feet: 1,344
- Sq. Ft. Source: Assessor
- Living Area: 1,344 Sq. Ft.
- Finished Above Grnd: 1,344 Sq. Ft.
- Year Built: 1995
- Year Built Source: Assessor
- Property Condition: Excellent
Additional Structures
- Other Structures: Garage(s), Gazebo, Shed
Lot Features
- Lot Size (Acres): 0.34
- Lot Size (Sq. Ft.): 14,985
- Lot Size Source: Assessor
- Zoning: R4
- Lot Description: Landscaping
Water Features
- Navigable Water: Yes
- Water Access: Yes
- Water Access Desc: Personal Watercraft (PWC), Private Access, Public Beach, Sail
- Water Front Type: Lake
- Water Front Name: Lake Monticello
Financial Considerations
- Price Per Sq. Ft.: $289.36
- Association Fee: $1,460
- Assoc Fee Freq.: Annually
- Assessment Year: 2022
- City/TownTax Freq: Annually
- County Tax: $1,464
- County Tax Freq: Annually
- Tax w/Assessment: $168,300
- Tax Amount: $1,464
- Tax Year: 2022
- Tax Total Finished Sq. Ft.: 1344
Disclosures and Reports
- Ownership: Fee Simple
- Inclusions: All appliances in the home.
- Lot Number: 58
Listed by Lake Anna Island Realty, Grayson Hoffman
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Schools
Schools serving 28 Arapaho Trail
School District:Fluvanna County Public Schools
| Name | Grades | Distance |
|---|---|---|
Fluvanna Middle 3717 Central Plains Road, Palmyra, VA 22963 | 5-7 | 8.5 mi |
West Central Primary School 3340 Central Plains Road, Palmyra, VA 22963 | PK-K | 8.5 mi |
Central Elementary School, Palmyra, VA 3340 Central Plains Road, Palmyra, VA 22963 | 1-2 | 8.5 mi |
Fluvanna County High School 1918 Thomas Jefferson Parkway, Palmyra, VA 22963 | 8-12 | 4.9 mi |
Carrysbrook Elementary 9172 James Madison Highway, Fork Union, VA 23055 | 3-4 | 9.7 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 28 Arapaho Trail
Date
Details
Price
Change
Source
12/02/2025
Price Reduced
$388,900
-1.27%
MLS
11/17/2025
Price Reduced
$393,900
-0.25%
MLS
10/02/2025
Price Reduced
$394,900
-1.25%
MLS
8/29/2025
Listed
$399,900
55.6%
MLS
9/10/2021
Sold
$257,000
—
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 28 Arapaho Trail
Year
Property Taxes
Change
Tax Assessment
Change
2024
$1,806
8%
$240,840
21%
2023
$1,680
—
$199,100
—
2022
$1,680
15%
$199,100
18%
2021
$1,464
-2%
$168,300
—
2020
$1,488
5%
$168,300
9%
2019
$1,423
20%
$153,800
4%
2017
$1,184
—
$147,500
—
2016
$1,184
—
$147,500
9%
2015
$1,184
—
$135,700
—
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 28 Arapaho Trail
28 Arapaho Trail, Palmyra, VA 22963 (MLS# VAFN2000492) is a Single Family property with 2 bedrooms and 2 full bathrooms. 28 Arapaho Trail is currently listed for $388,900 and was received on August 29, 2025. Want to learn more about 28 Arapaho Trail? 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.

