$354,900
SOLD SEP 12, 2025

20 Colonial Rd Palmyra, VA 22963

3 Beds
2 Baths
1,566 Sq Ft
0.34 Acres

Recently Sold

$227 Per Sq Ft

47 Days on Market

Highlights

  • Vaulted Ceiling
  • Front Porch
  • Walk-In Closet
  • Skylights
  • Eat-In Kitchen
  • Central Air

About This Home

As of September 2025

The stunning floor-to-ceiling walnut fireplace surround draws your eye to the vaulted ceiling, making the already large living room appear even more spacious. Skylights flood the space with natural light and the wide-plank white oak floors add to the modern feel. The large dining area adjacent to the living room is perfect for both living and entertaining. The kitchen boasts a casual dining area, along with stainless steel appliances including a brand new dishwasher and oven; a large pantry; and a convenient laundry area with newer washer and dryer tucked behind a charming sliding barn door. The split design features a generous primary bedroom on the right side of the house with a walk-in closet and en suite bath, while two ample-sized bedrooms share a bathroom on the opposite side. Completing this exceptional home is an attached two-car garage, a paved driveway, and a large deck overlooking a level, fully fenced backyard with firepit. Beach #2 is just a short distance away and the Riverside gate provides nearby access in and out of the community, making this property an unbeatable blend of style and location. Lake Monticello offers a variety of recreational options, including swimming, boating, golf, tennis, pickleball & more.

Last Agent to Sell the Property

KATHLEEN LONG

SAMSON PROPERTIES License #0255246105 Listed on: 06/12/2025

SAMSON PROPERTIES

Last Buyer's Agent

NONMLSAGENT NONMLSAGENT

NONMLSOFFICE

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,956

Year Built

  • Built in 1998

Lot Details

  • 0.34 Acre Lot
  • Zoning described as R-4 Residential

HOA Fees

  • $122 per month

Parking

  • 2 Car Garage
  • Basement Garage
  • Front Facing Garage

Home Design

  • Block Foundation
  • Stick Built Home

Interior Spaces

  • 1,566 Sq Ft Home
  • 1-Story Property
  • Vaulted Ceiling
  • Skylights
  • Gas Fireplace

Kitchen

  • Eat-In Kitchen
  • Microwave
  • Dishwasher

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms

Outdoor Features

  • Front Porch

Schools

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

Utilities

  • Central Air
  • Heat Pump System

Community Details

  • Lake Monticello Subdivision

Listing and Financial Details

  • Assessor Parcel Number 18A 3 194

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,956

Year Built

Built in 1998

Lot Details

0

HOA Fees

$122 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Parcel Number: 18A 3 194
  • Property Sub Type: Detached
  • LotSizeAcres: 0.34
  • Subdivision Name: LAKE MONTICELLO
  • Above Grade Finished Sq Ft: 1566.0
  • Property Attached Yn: No
  • PropertySubTypeAdditional: Detached
  • PreviousStandardStatus: Active Under Contract
  • Special Features: None

Interior Features

  • Appliances: Dishwasher, Electric Cooktop, Microwave, Refrigerator, Dryer, Washer
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplace Features: Gas
  • Interior Amenities: Primary Downstairs, Skylights, Walk-In Closet(s), Eat-in Kitchen, Vaulted Ceiling(s)
  • Living Area: 1566.0
  • Main Level Bathrooms: 2
  • Main Level Bedrooms: 3
  • Stories: 1
  • Window Features: Skylight(s)

Exterior Features

  • Disclosures: Seller Disclosure
  • Construction Type: Stick Built
  • Foundation Details: Block
  • Patio And Porch Features: Deck, Front Porch, Porch

Garage/Parking

  • Garage Spaces: 2.0
  • Parking Features: Attached, Garage Faces Front, Garage

Utilities

  • Heating: Heat Pump
  • Utilities: Cable Available, Fiber Optic Available, High Speed Internet Available
  • Sewer: Community/Coop Sewer, Shared Septic
  • Cooling: Central Air, Heat Pump
  • Heating Yn: Yes
  • Water Source: Community/Coop

Condo/Co-op/Association

  • Association Fee: 1459.0

Schools

  • Elementary School: Central (Fluvanna)
  • Middle Or Junior School: Fluvanna

Lot Info

  • Land Lease Amount Frequency: Monthly
  • Zoning Description: R-4 Residential

Building Info

  • Year Built: 1998

Tax Info

  • Year: 2023
  • Tax Annual Amount: 1956.39
  • Tax Other Annual Assessment Amount: 231800.0

Multi Family

  • Above Grade Finished Area Units: Square Feet

MLS Schools

  • HighSchool: Fluvanna

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jun 12, 2025
Closed on
Sep 10, 2025
Sold by
Hofstede Mitchell Thomas
Bought by
Camper Jeffrey T
Seller's Agent
KATHLEEN LONG
SAMSON PROPERTIES
Buyer's Agent
NONMLSAGENT NONMLSAGENT
NONMLSOFFICE
List Price
$354,900
Sold Price
$354,900
Views
60
Current Estimated Value
$357,497

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$2,597
Avg. Annual Appreciation
2.30%
Original Mortgage
$337,155
Outstanding Balance
$337,155
Interest Rate
6.72%
Mortgage Type
New Conventional
Estimated Equity
$20,342

Purchase Details

Listed on
Aug 26, 2021
Closed on
Sep 27, 2021
Sold by
Gilchrist Matthew J
Bought by
Hofstede Mitchell Thomas
Seller's Agent
Robert (Bob) Hughes
NEST REALTY GROUP
Buyer's Agent
KATHLEEN LONG
SAMSON PROPERTIES
List Price
$269,000
Sold Price
$270,000
Premium/Discount to List
$1,000
0.37%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.20%
Original Mortgage
$275,252
Interest Rate
2.8%
Mortgage Type
New Conventional

Purchase Details

Listed on
Jul 18, 2020
Closed on
Aug 24, 2020
Sold by
Morris Dylan S and Morris Makaely T
Bought by
Gilchrist Matthew J
Seller's Agent
Maggie Gunnels Fornecker
LONG & FOSTER - LAKE MONTICELLO
Buyer's Agent
Robert (Bob) Hughes
NEST REALTY GROUP
List Price
$229,900
Sold Price
$229,900

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
15.89%
Original Mortgage
$183,920
Interest Rate
2.9%
Mortgage Type
New Conventional

Purchase Details

Closed on
Aug 15, 2019
Sold by
Doherty Roger B
Bought by
Morris Dylan S and Morris Makaely T

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$169,541
Interest Rate
3.88%
Mortgage Type
New Conventional

Purchase Details

Closed on
Oct 5, 2016
Sold by
Ted J Geissler
Bought by
Doherty Roger B

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$134,800
Interest Rate
3.44%
Mortgage Type
New Conventional

Purchase Details

Closed on
Feb 3, 2009
Sold by
Geissler Ted J and Geissler Judith P
Bought by
Geissler Ted J and Geissler Judith E

Purchase Details

Closed on
May 2, 2006
Sold by
Mooney James P and Mooney Alice Q
Bought by
Geissler Ted J and Geissler Judith P

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$182,175
Interest Rate
6.75%
Mortgage Type
Assumption
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
Deed $354,900 Fidelity National Title
Deed $270,000 Old Republic National Title
Deed $229,900 Old Republic National Title
Bargain Sale Deed $189,500 Chicago Title
Deed $168,500 Chicago Title
Gift Deed -- Chicago Title Insurance Co
Warranty Deed $242,900 None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $337,155 New Conventional
Previous Owner $275,252 New Conventional
Previous Owner $183,920 New Conventional
Previous Owner $169,541 New Conventional
Previous Owner $134,800 New Conventional
Previous Owner $182,175 Assumption
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
09/12/2025 09/12/25 Sold $354,900 0.0% $227 / Sq Ft
08/01/2025 08/01/25 For Sale $354,900 0.0% $227 / Sq Ft
07/29/2025 07/29/25 Pending -- -- --
07/22/2025 07/22/25 For Sale $354,900 0.0% $227 / Sq Ft
07/02/2025 07/02/25 Pending -- -- --
06/12/2025 06/12/25 For Sale $354,900 +31.4% $227 / Sq Ft
10/07/2021 10/07/21 Sold $270,000 +0.4% $172 / Sq Ft View Prior Sale
08/29/2021 08/29/21 Pending -- -- --
08/26/2021 08/26/21 For Sale $269,000 +17.0% $172 / Sq Ft
09/04/2020 09/04/20 Sold $229,900 0.0% $147 / Sq Ft View Prior Sale
07/20/2020 07/20/20 Pending -- -- --
07/18/2020 07/18/20 For Sale $229,900 -- $147 / Sq Ft
Source: Charlottesville area Association of Realtors®

Tax History Compared to Growth

Source: Public Records

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 $2,119 $282,500 $30,000 $252,500
2024 $20 $231,800 $30,000 $201,800
2023 $1,956 $231,800 $30,000 $201,800
2022 $1,706 $196,100 $27,500 $168,600
2021 $1,706 $196,100 $27,500 $168,600
2020 $1,599 $172,900 $27,500 $145,400
2019 $1,599 $172,900 $27,500 $145,400
2018 $1,499 $165,300 $27,500 $137,800
2017 $1,499 $165,300 $27,500 $137,800
2016 $1,492 $162,700 $27,500 $135,200
2015 $1,392 $162,700 $27,500 $135,200
2014 $1,392 $158,200 $27,500 $130,700
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Charlottesville area Association of Realtors®

MLS Number: 665732

Charlottesville area Association of Realtors®

APN: 18A 3 194