$315,000
SOLD MAY 9, 2025

18 Cliftwood Rd Palmyra, VA 22963

3 Beds
2 Baths
2,020 Sq Ft
14,810 Sq Ft Lot

Recently Sold

$156 Per Sq Ft

10% Below List Price

105 Days on Market

Highlights

  • Beach
  • Clubhouse
  • Community Basketball Court
  • Golf Club
  • Main Floor Bedroom
  • Central Heating and Cooling System

About This Home

As of May 2025

Come see this beautiful Lake Monticello home, complete with a covered front porch, over 2000 square feet of finished living space, upgraded kitchen with granite countertops, back deck, attached garage and detached Shed that has electrical already ran to it. The HVAC unit is brand new, and the roof is less than 5 years old, all available inside the Lake community with its wonderful amenities. Lake Monticello includes several public beaches, the club and tennis courts, golf course, and more. Walking distance to beach #4!

Last Agent to Sell the Property

MATT KNEECE

(855) 450-0442 membership@therealbrokerage.com REAL BROKER, LLC License #0225245618[8771] Listed on: 11/20/2024

Last Buyer's Agent

Josh White

(434) 260-1435 dmvbroker@therealbrokerage.com STORY HOUSE REAL ESTATE License #0225221067[7293]

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,936

Year Built

  • Built in 1995

Lot Details

  • 14,810 Sq Ft Lot
  • Property is zoned R-4

HOA Fees

  • $106 Monthly HOA Fees

Home Design

  • Slab Foundation

Interior Spaces

  • Property has 2 Levels
  • Finished Basement

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • 2 Full Bathrooms

Schools

  • Central Elementary School
  • Fluvanna Middle School
  • Fluvanna High School

Utilities

  • Central Heating and Cooling System

Community Details

Overview

  • Lake Monticello Subdivision

Amenities

  • Clubhouse

Recreation

  • Beach
  • Golf Club
  • Community Basketball Court

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,936

Year Built

Built in 1995

Lot Details

0.34 Acres

HOA Fees

$106 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Building Total Sq Ft: 2240.00
  • Exclusions: Please note there will be an estate sale during the first few days on market. Personal items do not convey, however are available for purchase as personal property completely separate from the house sale.
  • Inclusions: All appliances including: oven/range, refrigerator, microwave, dishwasher, laundry machine, dryer. Detached Shed conveys.
  • New Construction: No
  • Story List: Main
  • Year Built: 1995
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Interior Amenities: Entry Level Bedroom
  • Fireplace: No
  • Foundation Details: Slab
  • Levels Count: 2
  • Room List: Full Bath, Additional Bedroom
  • Basement: Yes
  • Basement Type: Fully Finished
  • Living Area Units: Square Feet
  • Total Sq Ft: 2020
  • Living Area Sq Ft: 2020
  • Price Per Sq Ft: 246.09
  • Above Grade Finished Sq Ft: 1280
  • Below Grade Finished Sq Ft: 740
  • Total Below Grade Sq Ft: 740
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • Main Level Bedrooms: 3
  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main Level Bathrooms: 2.00
  • Main Level Full Bathrooms: 2

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Completed: No
  • Water Oriented: No
  • Water View: No

Garage/Parking

  • Garage: No

Utilities

  • Central Air Conditioning: Yes
  • Cooling Type: Central A/C
  • Cooling: No
  • Heating Type: Central
  • Heating: Yes
  • Sewer/Septic System: Private/Community Septic Tank
  • Water Source: Community
  • Internet Services: Cable

Condo/Co-op/Association

  • HOA Fees: 1267.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • Condo Co-Op Fee: 850.00
  • Condo Co-Op Fee Frequency: One Time
  • HOA Condo Co-Op Amenities: Basketball Courts, Beach, Club House, Golf Club
  • HOA: Yes

Schools

  • High School Source: Listing Agent
  • Middle School Source: Listing Agent
  • School District Source: Listing Agent
  • Elementary School: CENTRAL
  • High School: FLUVANNA
  • Middle Or Junior School: FLUVANNA

Lot Info

  • Lot Size Acres: 0.34
  • Zoning: R-4
  • Zoning Description: Residential

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 1936.14
  • Tax Year: 2023

MLS Schools

  • School District Name: FLUVANNA COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Nov 15, 2023
Sold by
Caputo Stephani M
Bought by
Caputo Stephani M and Caputo Gregory
Current Estimated Value
$322,526

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$249,694
Outstanding Balance
$230,530
Interest Rate
6.5%
Mortgage Type
FHA
Estimated Equity
$112,487

Purchase Details

Closed on
Jan 24, 2020
Sold by
Desgrosiellier Richard H and Desgrosiellier Angela M
Bought by
Caputo Stephani M

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$181,050
Interest Rate
3.5%
Mortgage Type
New Conventional
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Gift Deed -- Vylla Title
Bargain Sale Deed $213,000 Old Republic National Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $249,694 FHA
Previous Owner $181,050 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
05/09/2025 05/09/25 Sold $315,000 0.0% $156 / Sq Ft
03/05/2025 03/05/25 Pending -- -- --
01/29/2025 01/29/25 Price Changed $315,000 -6.0% $156 / Sq Ft
01/06/2025 01/06/25 Price Changed $335,000 -4.0% $166 / Sq Ft
11/20/2024 11/20/24 For Sale $349,000 -- $173 / Sq Ft
Source: Bright MLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,477 $330,300 $30,000 $300,300
2024 $19 $229,400 $30,000 $199,400
2023 $1,936 $229,400 $30,000 $199,400
2022 $1,720 $197,700 $27,500 $170,200
2021 $1,720 $197,700 $27,500 $170,200
2020 $1,519 $164,200 $27,500 $136,700
2019 $1,519 $164,200 $27,500 $136,700
2018 $1,447 $159,500 $27,500 $132,000
2017 $1,447 $159,500 $27,500 $132,000
2016 $1,300 $149,100 $27,500 $121,600
2015 $1,300 $149,100 $27,500 $121,600
2014 $1,300 $147,700 $27,500 $120,200
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: 658921

Bright MLS

APN: 18A 12 220

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