Calling all nature lovers- Tucked away at the end of a quiet cul-de-sac, this rare 1.8-acre property offers unmatched wooded privacy and over 550 feet of pristine waterfront on Lake Monticello, affording the opportunity to enjoy some of the most sweeping views of the lake. Surrounded by mature trees, the setting is peaceful and secluded, ideal for nature lovers seeking a private retreat. As you enter the home through the vaulted entryway, you’re welcomed by an open, airy layout that blends beautifully with the natural surroundings. The spacious kitchen is perfect for entertaining, and the first-floor primary suite provides lake views and direct access to the outdoors. Upstairs, two generous bedrooms with walk-in closets and panoramic lake views perfect for family or guests. The finished terrace level includes a cozy living area, an office, and another bath—perfect for guests or quiet evenings. Whether you enjoy kayaking from your private dock, relaxing on the deck, or taking in the beauty of the wooded landscape, this property offers privacy rarely found on the lake. Located in a sought-after golf course community with resort-style amenities, including a pub with live music, community pool, beaches, tennis courts and more.
Active
Price cut: $30K (2/6)
$695,000
42 Cliftwood Rd, Palmyra, VA 22963
3beds
2,268sqft
Est.:
Single Family Residence
Built in 1996
1.83 Acres Lot
$662,800 Zestimate®
$306/sqft
$122/mo HOA
What's special
Pristine waterfrontPrivate dockFirst-floor primary suiteFinished terrace levelPanoramic lake viewsSurrounded by mature treesOpen airy layout
- 334 days |
- 1,870 |
- 81 |
Zillow last checked: 7 hours ago
Listing updated: March 03, 2026 at 07:39pm
Listed by:
DIANE MILLER 434-960-5856,
LONG & FOSTER - LAKE MONTICELLO
Source: CAAR,MLS#: 663466
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: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 1
Rooms
- Room types: Bathroom, Bedroom, Dining Room, Family Room, Full Bath, Foyer, Half Bath, Kitchen, Laundry, Living Room, Office
Primary bedroom
- Level: First
Bedroom
- Level: Second
Primary bathroom
- Level: First
Bathroom
- Level: Second
Dining room
- Level: First
Family room
- Level: Basement
Foyer
- Level: First
Half bath
- Level: First
Half bath
- Level: Basement
Kitchen
- Level: First
Laundry
- Level: First
Living room
- Level: First
Office
- Level: Basement
Heating
- Central, Heat Pump
Cooling
- Central Air, Heat Pump
Appliances
- Included: Dishwasher, Electric Range, Refrigerator, Dryer, Washer
- Laundry: Washer Hookup, Dryer Hookup
Features
- Primary Downstairs, Breakfast Bar, Entrance Foyer, Home Office
- Flooring: Carpet, Parquet, Vinyl
- Basement: Finished,Heated,Interior Entry,Walk-Out Access
- Has fireplace: Yes
- Fireplace features: Gas
Interior area
- Total structure area: 2,746
- Total interior livable area: 2,268 sqft
- Finished area above ground: 1,654
- Finished area below ground: 614
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Attached, Basement, Electricity, Garage, Garage Door Opener, Gravel, Garage Faces Side
- Attached garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Front Porch, Porch
- Has view: Yes
- View description: Trees/Woods, Water
- Has water view: Yes
- Water view: Water
Lot
- Size: 1.83 Acres
- Features: Wooded, Waterfront
Details
- Parcel number: 18A12 181
- Zoning description: R-4 Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subtype: Single Family Residence
Materials
- Stick Built, Vinyl Siding
- Foundation: Block
- Roof: Composition,Shingle
Condition
- New construction: No
- Year built: 1996
Utilities & green energy
- Electric: Underground
- Sewer: Community/Coop Sewer
- Water: Community/Coop
- Utilities for property: Cable Available, Fiber Optic Available, High Speed Internet Available, Propane, Satellite Internet Available
Community & HOA
Community
- Features: Pond
- Security: 24 Hour Security
- Subdivision: LAKE MONTICELLO
HOA
- Has HOA: Yes
- Amenities included: Basketball Court, Boat Dock, Boat Ramp, Clubhouse, Sport Court, Picnic Area, Playground, Sports Fields, Water, Beach Rights
- Services included: Boat Ramp, Common Area Maintenance, Clubhouse, Golf, Playground, Pool(s), Road Maintenance, Snow Removal, Security, Trash
- HOA fee: $1,464 annually
Location
- Region: Palmyra
Financial & listing details
- Price per square foot: $306/sqft
- Tax assessed value: $524,600
- Annual tax amount: $5,139
- Date on market: 4/21/2025
- Cumulative days on market: 333 days
Estimated market value
$662,800
$630,000 - $696,000
$2,722/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/6/2026 | Price change | $695,000-4.1%$306/sqft |
Source:  CAAR #663466 Report a problem | ||
| 1/6/2026 | Price change | $725,000-3.2%$320/sqft |
Source: CAAR #663466 Report a problem | ||
| 9/8/2025 | Price change | $749,000-5.8%$330/sqft |
Source: CAAR #663466 Report a problem | ||
| 6/20/2025 | Price change | $795,000-4.8%$351/sqft |
Source: CAAR #663466 Report a problem | ||
| 6/2/2025 | Price change | $835,000-1.6%$368/sqft |
Source: CAAR #663466 Report a problem | ||
| 4/24/2025 | Listed for sale | $849,000+2325.7%$374/sqft |
Source: CAAR #663466 Report a problem | ||
| 3/1/1996 | Sold | $35,000$15/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $4,428 | $524,600 |
| 2023 | $4,428 | $524,600 +9.3% |
| 2022 | -- | $479,800 |
| 2021 | -- | $479,800 |
| 2020 | -- | $479,800 +11.5% |
| 2018 | $3,526 | $430,200 |
| 2017 | $3,526 | $430,200 +6.1% |
| 2016 | $3,526 | $405,600 |
| 2015 | $3,526 +10.7% | $405,600 +1.2% |
| 2014 | $3,186 +20.4% | $400,700 |
| 2013 | $2,647 | $400,700 -13.7% |
| 2012 | -- | $464,300 |
| 2011 | $2,507 | $464,300 |
| 2010 | -- | $464,300 |
| 2009 | -- | $464,300 |
| 2008 | -- | $464,300 |
| 2007 | -- | $464,300 +22.4% |
| 2006 | -- | $379,200 |
| 2005 | -- | $379,200 +30.4% |
| 2004 | -- | $290,900 |
| 2003 | -- | $290,900 |
| 2002 | -- | $290,900 +33.3% |
| 2001 | $1,549 | $218,200 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$4,012/mo
Principal & interest
$3514
Property taxes
$376
HOA Fees
$122
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Climate risks
Neighborhood: 22963
Nearby schools
GreatSchools rating
- 6/10Fluvanna MiddleGrades: 5-7Distance: 7.3 mi
- 6/10Fluvanna County High SchoolGrades: 8-12Distance: 3.7 mi
- NAWest Central Primary SchoolGrades: PK-KDistance: 7.3 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.
Local experts in 22963
- Virginia
- Fluvanna County
- Palmyra
- 22963
- 42 Cliftwood Rd
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