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!
Active
Price cut: $10K (7/24)
$534,990
13 Chatham Ln, Palmyra, VA 22963
4beds
2,112sqft
Est.:
Single Family Residence
Built in 1984
0.49 Acres Lot
$535,500 Zestimate®
$253/sqft
$106/mo HOA
What's special
Pristine waterfrontPrivate boat dockPrivate dockFinished walk-out basementBright main-level primary suiteWater viewsUpgraded kitchen
- 51 days
- on Zillow |
- 2,965 |
- 176 |
Zillow last checked: 7 hours ago
Listing updated: July 24, 2025 at 09:47am
Listed by:
SCOTT MACDONALD 703-727-6900,
RE/MAX GATEWAY
Source: CAAR,MLS#: 662771
Originating MLS: Charlottesville Area Association of Realtors

Travel times
Tour with a buyer's agent
Tour with a buyer's agent
Open house
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Rooms
- Room types: Bathroom, Breakfast Room/Nook, Bedroom, Family Room, Full Bath, Half Bath, Kitchen, Laundry, Primary Bathroom, Primary Bedroom, Recreation, Utility Room
Primary bedroom
- Level: First
Bedroom
- Level: Basement
Bedroom
- Level: Second
Bedroom
- Level: Third
Primary bathroom
- Level: First
Bathroom
- Level: Second
Breakfast room nook
- Level: First
Family room
- Level: First
Half bath
- Level: Basement
Kitchen
- Level: First
Heating
- Central, Electric, Forced Air, Heat Pump
Cooling
- Central Air, Heat Pump
Appliances
- Included: Dishwasher, Electric Range, Disposal, Microwave, Refrigerator, Dryer, Washer
Features
- Double Vanity, Primary Downstairs, Remodeled, Walk-In Closet(s), Breakfast Area, Recessed Lighting, Utility Room
- Flooring: Carpet, Luxury Vinyl Plank
- Basement: Exterior Entry,Heated,Interior Entry,Partially Finished,Walk-Out Access
- Number of fireplaces: 1
- Fireplace features: One, Gas Log
Interior area
- Total structure area: 2,694
- Total interior livable area: 2,112 sqft
- Finished area above ground: 1,416
- Finished area below ground: 696
Property
Parking
- Total spaces: 1
- Parking features: Detached, Garage Faces Front, Garage
- Garage spaces: 1
Features
- Levels: One and One Half
- Stories: 1.5
- Patio & porch: Covered, Deck, Front Porch, Patio, Porch
- Exterior features: Dock
- Has view: Yes
- View description: Trees/Woods, Water
- Has water view: Yes
- Water view: Water
Lot
- Size: 0.49 Acres
- Features: Wooded, Waterfront
- Topography: Rolling
Details
- Parcel number: 18/ A 1/ 341/
- Zoning description: R-4 Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subtype: Single Family Residence
Materials
- Stick Built
Condition
- Updated/Remodeled
- New construction: No
- Year built: 1984
Utilities & green energy
- Sewer: Community/Coop Sewer
- Water: Community/Coop
- Utilities for property: Other
Community & HOA
Community
- Features: Gated
- Security: 24 Hour Security, Smoke Detector(s), Gated Community
- Subdivision: LAKE MONTICELLO
HOA
- Has HOA: Yes
- Amenities included: Basketball Court, Boat Dock, Boat Ramp, Clubhouse, Golf Course, Picnic Area, Playground, Tennis Court(s), Trail(s), Water, Beach Rights
- Services included: Boat Ramp, Clubhouse, Golf, Playground, Reserve Fund, Snow Removal, Tennis Courts, Trash
- HOA fee: $1,267 annually
Location
- Region: Palmyra
Financial & listing details
- Price per square foot: $253/sqft
- Tax assessed value: $365,000
- Annual tax amount: $3,081
- Date on market: 4/4/2025
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