198 Jefferson Dr Palmyra, VA 22963
Estimated payment $3,047/month
Highlights
- Boat Ramp
- On Golf Course
- Private Beach
- Beach
- Golf Club
- Bar or Lounge
About This Home
Welcome to this stunning 4 bedroom, 4 bath Cape Cod nestled in the coveted gated Lake Monticello community, where everyday living feels like a vacation. Set in the desirable Fairway section of the community this home adjoins the golf course and sits on a private wooded oasis enhanced by superb landscaping for year-round beauty. Step onto thequintessential front porch complete with a relaxing multi-person swing/bed-perfect for morning coffee or unwinding at sunset. Inside you'll find 9 ft and vaulted ceilings, plantation blinds and an abundance of natural light bounching off of the real hardwood floors. The open concept kitchen includes stainless steel appliances and a center island that makes a great breakfast spot. The heart of the home is flanked by a generous living room with a cozy fireplace on one side and a huge sunroom for friends and family to gather with easy access to a full back deck creating unbeatable indoor outdoor living and entertaining.
The main level features a primary bedroom with a spa ensuite perfect for those who need multiple generation living. Upstairs and overlooking the living area you will find three additional generously sized bedrooms that share a full bath. The front facing bedroom features a classic dormer that brings in extra light and makes a perfect reading nook.
The fully finished walk-out basement adds even more with a recreation room, full bath and potential 5th bedroom space perfect for guests, hobbies or movie nights.
Residents enjoy beach access, sports courts, a boat ramp, community center, swimming pools and more in this amenity rich neighborhood that truly feels like resort living.
Don't miss your chance to own this rare blend of privacy, space and community perks, listed at an unbeatable price. Schedule your tour today and experience the Lake Monticello lifestyle for yourself!
Listing Agent
(703) 298-8278 PamYourRealtor@gmail.com Blue and Gray Realty, LLC Listed on: 12/12/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $3,813
Year Built
- Built in 2005
Lot Details
- 0.48 Acre Lot
- Private Beach
- On Golf Course
- Private Lot
- Wooded Lot
- Property is in excellent condition
- Property is zoned R-4
HOA Fees
- $122 Monthly HOA Fees
Parking
- 2 Car Attached Garage
- 4 Driveway Spaces
- Side Facing Garage
- Garage Door Opener
Property Views
- Golf Course
- Woods
Home Design
- Cape Cod Architecture
- Architectural Shingle Roof
- Vinyl Siding
- Concrete Perimeter Foundation
Interior Spaces
- Property has 1 Level
- Cathedral Ceiling
- Recessed Lighting
- Gas Fireplace
- Low Emissivity Windows
- Vinyl Clad Windows
- Insulated Windows
- Plantation Shutters
- Double Hung Windows
- Window Screens
- French Doors
- Family Room Off Kitchen
- Living Room
- Recreation Room
- Sun or Florida Room
- Home Security System
Kitchen
- Breakfast Area or Nook
- Electric Oven or Range
- Dishwasher
- Stainless Steel Appliances
- Kitchen Island
- Upgraded Countertops
Flooring
- Wood
- Carpet
- Laminate
- Ceramic Tile
Bedrooms and Bathrooms
- Walk-In Closet
- Soaking Tub
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Finished Basement
- Heated Basement
- Walk-Out Basement
- Interior and Exterior Basement Entry
- Basement Windows
Outdoor Features
- Deck
- Patio
Schools
- Fluvanna High School
Utilities
- Central Air
- Heat Pump System
- Underground Utilities
- Electric Water Heater
Listing and Financial Details
- Tax Lot 53
- Assessor Parcel Number 18A 4 53
Community Details
Overview
- $800 Capital Contribution Fee
- Association fees include insurance, management, reserve funds, road maintenance, snow removal, trash, pier/dock maintenance
- Lake Monticello Owners' Association
- Built by CRF CONSTRUCTION
- Lake Monticello Subdivision
- Community Lake
Amenities
- Picnic Area
- Clubhouse
- Community Center
- Meeting Room
- Bar or Lounge
Recreation
- Boat Ramp
- Beach
- Golf Club
- Tennis Courts
- Baseball Field
- Soccer Field
- Community Basketball Court
- Volleyball Courts
- Community Playground
- Community Pool
- Jogging Path
Security
- Security Service
- Gated Community
Map
Home Values in the Area
Average Home Value in this Area
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 | $3,698 | $493,100 | $55,000 | $438,100 |
| 2024 | $38 | $453,900 | $55,000 | $398,900 |
| 2023 | $3,831 | $453,900 | $55,000 | $398,900 |
| 2022 | $3,069 | $352,800 | $50,000 | $302,800 |
| 2021 | $3,069 | $352,800 | $50,000 | $302,800 |
| 2020 | $3,250 | $351,400 | $50,000 | $301,400 |
| 2019 | $3,250 | $351,400 | $50,000 | $301,400 |
| 2018 | $3,303 | $364,200 | $50,000 | $314,200 |
| 2017 | $3,303 | $364,200 | $50,000 | $314,200 |
| 2016 | $2,886 | $314,700 | $35,000 | $279,700 |
| 2015 | $2,697 | $314,700 | $35,000 | $279,700 |
| 2014 | $2,697 | $306,500 | $35,000 | $271,500 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 12/23/2025 12/23/25 | Price Changed | $499,000 | -4.0% | $144 / Sq Ft | |
| 12/12/2025 12/12/25 | For Sale | $520,000 | +4.0% | $150 / Sq Ft | |
| 01/15/2025 01/15/25 | Sold | $499,900 | 0.0% | $143 / Sq Ft | View Prior Sale |
| 12/12/2024 12/12/24 | Pending | -- | -- | -- | |
| 12/03/2024 12/03/24 | Price Changed | $499,900 | -3.8% | $143 / Sq Ft | |
| 10/21/2024 10/21/24 | Price Changed | $519,900 | -2.8% | $149 / Sq Ft | |
| 09/25/2024 09/25/24 | For Sale | $535,000 | +14.6% | $153 / Sq Ft | |
| 07/07/2022 07/07/22 | Sold | $467,000 | +1.7% | $133 / Sq Ft | View Prior Sale |
| 06/09/2022 06/09/22 | Pending | -- | -- | -- | |
| 06/06/2022 06/06/22 | Price Changed | $459,000 | -3.4% | $131 / Sq Ft | |
| 05/26/2022 05/26/22 | For Sale | $475,000 | -- | $136 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $330,000 | Old Republic Title | |
| Warranty Deed | $310,000 | None Available | |
| Warranty Deed | $398,528 | None Available |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $297,000 | New Conventional | |
| Previous Owner | $358,675 | New Conventional |
Source: Bright MLS
MLS Number: VAFN2000530
APN: 18A-4-53
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