$400,000
SOLD JUL 29, 2025

20 Xebec Rd Palmyra, VA 22963

3 Beds
3 Baths
2,876 Sq Ft
0.39 Acres

Recently Sold

$139 Per Sq Ft

11 Days on Market

Highlights

  • Boat Ramp
  • Golf Club
  • Community Lake
  • Beach
  • Bar or Lounge
  • Clubhouse

About This Home

As of July 2025

Custom ranch in Lake Monticello featuring vaulted ceilings, hardwood floors, and a floor-to-ceiling stone fireplace. The kitchen offers maple cabinetry, stainless appliances, and ample counter space. Includes a bright sunroom and a half-finished basement with plenty of storage. Located just two blocks from Beach 4 in a gated community with lake access, golf, and more.,Formica Counter,Maple Cabinets,Fireplace in Living Room

Last Agent to Sell the Property

PEGGY SHANKLIN

(434) 589-7653 Diane.Miller@longandfoster.com LONG & FOSTER - LAKE MONTICELLO License #0225247109[8859] Listed on: 06/10/2025

Last Buyer's Agent

Paul McArtor

(434) 326-5477 darian@avenuerealtygroup.com AVENUE REALTY, LLC License #0225212733[2212]

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,922

Year Built

  • Built in 2006

Lot Details

  • 0.39 Acre Lot

HOA Fees

  • $122 Monthly HOA Fees

Home Design

  • Rambler Architecture
  • Block Foundation
  • Composition Roof
  • Vinyl Siding

Interior Spaces

  • Property has 1 Level
  • Stone Fireplace
  • Gas Fireplace
  • Family Room
  • Living Room
  • Dining Room
  • Sun or Florida Room

Flooring

  • Wood
  • Carpet
  • Laminate
  • Tile or Brick

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • 3 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Finished Basement

  • Heated Basement
  • Walk-Out Basement
  • Interior and Exterior Basement Entry
  • Basement Windows

Home Security

  • Security Gate
  • Fire and Smoke Detector

Schools

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

Utilities

  • Forced Air Heating and Cooling System
  • Heat Pump System
  • Heating System Powered By Owned Propane

Community Details

Overview

  • Association fees include pool(s), reserve funds, road maintenance, snow removal, trash, pier/dock maintenance
  • Lmoa HOA
  • Lake Monticello Subdivision
  • Community Lake

Amenities

  • Picnic Area
  • Clubhouse
  • Community Center
  • Meeting Room
  • Community Dining Room
  • Community Library
  • 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

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,922

Year Built

Built in 2006

Lot Details

0

HOA Fees

$122 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Ranch/Rambler
  • Building Total Sq Ft: 3568.00
  • Inclusions: All window treatments, washer and dryer, refrigerator, dishwasher
  • New Construction: No
  • Story List: Main
  • Year Built: 2006
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dryer, Washer/Dryer Hookups Only, Washer
  • Flooring Type: Carpet, Hardwood, Laminated, Tile/Brick
  • Interior Amenities: Entry Level Bedroom
  • Fireplace Features: Gas/Propane, Stone
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Block
  • Levels Count: 1
  • Room List: Living Room, Dining Room, Kitchen, Family Room, Sun/Florida Room, Laundry, Full Bath, Additional Bedroom
  • Basement: Yes
  • Basement Type: Fully Finished, Heated, Interior Access, Outside Entrance, Partially Finished, Walkout Level, Windows
  • Living Area Units: Square Feet
  • Total Sq Ft: 3106
  • Living Area Sq Ft: 2876
  • Price Per Sq Ft: 205.76
  • Above Grade Finished Sq Ft: 1944
  • Below Grade Finished Sq Ft: 932
  • Below Grade Sq Ft: 230
  • Total Below Grade Sq Ft: 1162
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • Main Level Bedrooms: 3
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 2.00
  • Lower Levels Bathrooms: 1
  • Main Level Full Bathrooms: 2

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Vinyl Siding
  • Construction Completed: No
  • Roof: Composite
  • Water Oriented: No
  • Water View: No

Garage/Parking

  • Garage: No

Utilities

  • Central Air Conditioning: Yes
  • Cooling Type: Central A/C, Heat Pump(s)
  • Cooling: No
  • Heating Fuel: Electric, Propane - Owned
  • Heating Type: Central, Forced Air, Heat Pump(s)
  • Heating: Yes
  • Security: Security Gate, Smoke Detector
  • Sewer/Septic System: Public Sewer
  • Water Source: Public
  • Internet Services: Cable, DSL, Fiber Optic

Condo/Co-op/Association

  • HOA Fees: 1460.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • Condo Co-Op Fee: 855.00
  • Condo Co-Op Fee Frequency: One Time
  • HOA Condo Co-Op Amenities: Beach, Boat Ramp, Club House, Golf Club, Tot Lots/Playground, Tennis Courts, Bar/Lounge, Baseball Field, Basketball Courts, Community Center, Dining Rooms, Lake, Library, Meeting Room, Picnic Area, Swimming Pool, Soccer Field, Volleyball Courts, Jog/Walk Path
  • HOA Condo Co-Op Fee Includes: Pool(s), Reserve Funds, Road Maintenance, Snow Removal, Trash, Pier/Dock Maintenance
  • HOA Name: LMOA
  • 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: 0.39
  • Zoning: R
  • Zoning Description: Residential

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 2922.00
  • Tax Year: 2025

MLS Schools

  • School District Name: FLUVANNA COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jun 10, 2025
Closed on
Jul 22, 2025
Sold by
Gallo Family Revocable Trust and Gallo Michael F
Bought by
Bronson Timothy A and Bronson Teresa M
Seller's Agent
PEGGY SHANKLIN
LONG & FOSTER - LAKE MONTICELLO
Buyer's Agent
Paul McArtor
AVENUE REALTY, LLC
List Price
$400,000
Sold Price
$400,000
Views
41
Current Estimated Value
$397,590

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$2,410
Avg. Annual Appreciation
-1.20%
Original Mortgage
$300,000
Outstanding Balance
$299,234
Interest Rate
6.84%
Mortgage Type
New Conventional
Estimated Equity
$98,356

Purchase Details

Closed on
Aug 13, 2018
Sold by
Gallo Linda J
Bought by
Gallo Linda Jay and Gallo Family Revocable Trust
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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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 $400,000 None Listed On Document
Gift Deed -- None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $300,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
07/29/2025 07/29/25 Sold $400,000 0.0% $139 / Sq Ft
06/21/2025 06/21/25 Pending -- -- --
06/10/2025 06/10/25 For Sale $400,000 -- $139 / 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 $2,922 $389,600 $30,000 $359,600
2024 $26 $311,900 $30,000 $281,900
2023 $2,632 $311,900 $30,000 $281,900
2022 $2,283 $262,400 $27,500 $234,900
2021 $2,283 $262,400 $27,500 $234,900
2020 $2,139 $231,200 $27,500 $203,700
2019 $2,139 $231,200 $27,500 $203,700
2018 $2,014 $222,100 $27,500 $194,600
2017 $2,014 $222,100 $27,500 $194,600
2016 $1,923 $209,700 $27,500 $182,200
2015 $1,814 $209,700 $27,500 $182,200
2014 $1,814 $206,100 $27,500 $178,600
Source: Public Records

Agents Affiliated with this Home

  • PEGGY SHANKLIN

    Seller's Agent in 2025

    PEGGY SHANKLIN

    LONG & FOSTER - LAKE MONTICELLO

    (434) 962-2762

    88 in this area

    112 Total Sales

    PEGGY SHANKLIN
    Section Image
  • Paul McArtor

    Buyer's Agent in 2025

    Paul McArtor

    AVENUE REALTY, LLC

    (434) 305-0361

    14 in this area

    161 Total Sales

    Paul McArtor
    Section Image
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Map

Source: Bright MLS

MLS Number: 665648

Bright MLS

APN: 18A-8-389

Virginia Fluvanna County Palmyra 22963

20 Xebec Rd, Palmyra, VA

Sold

Detached

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