Seller's Agent in 2025
CHRISTY BECK
LONG & FOSTER - LAKE MONTICELLO
(386) 365-0460
34 in this area
70 Total Sales
20 Zephyr Rd Palmyra, VA 22963
4
Beds
2.5
Baths
2,395
Sq Ft
0.34
Acres
Highlights
- Boat Ramp
- Golf Club
- Community Lake
- Beach
- Bar or Lounge
- Clubhouse
About This Home
As of August 2025PRICE IMPROVEMENT!! Well-maintained 4-bedroom, 2.5-bath home located in the amenity-rich Lake Monticello community! This spacious home offers nearly 2,400 sq ft of living space on a level lot just minutes from the beach, pool, tennis courts, and more. The main level features a bright living room, dining area, and updated kitchen with butcher block countertops, newer appliances, and a breakfast island. The oversized fourth bedroom offers flexible space for a bonus room, office, or guest suite. The owner?s suite includes a walk-in closet and ensuite bath with double vanities and tile walk in shower plus soaker tub. Enjoy outdoor living on the covered front porch or large back deck. Additional features include fresh interior paint, a 2-car garage, and convenient access to shopping and dining. Don?t miss the opportunity to live in one of Central Virginia?s most desirable lake communities,Fireplace in Living Room
Last Agent to Sell the Property
(386) 365-0460 christylynn@THEGUNNELSGROUP.COM LONG & FOSTER - LAKE MONTICELLO License #0225249946[9038] Listed on: 05/10/2024
Co-Listed By
(434) 361-4987 maggie@gunnelsgroup.com LONG & FOSTER - LAKE MONTICELLO License #0225265900[2756]
Last Buyer's Agent
Default Agent
Default Office License #CAAR:DEFAULT
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,708
Year Built
- Built in 2006
Lot Details
- 0.34 Acre Lot
HOA Fees
- $100 Monthly HOA Fees
Home Design
- Block Foundation
- Vinyl Siding
Interior Spaces
- 2,395 Sq Ft Home
- Property has 2 Levels
- Gas Fireplace
- Living Room
- Dining Room
- Bonus Room
- Home Security System
Flooring
- Wood
- Carpet
Bedrooms and Bathrooms
- 4 Bedrooms
- 2.5 Bathrooms
Laundry
- Laundry Room
- Washer and Dryer Hookup
Schools
- Central Elementary School
- Fluvanna Middle School
- Fluvanna High School
Utilities
- No Cooling
- Heat Pump System
Community Details
Overview
- Association fees include gas, pool(s), road maintenance, snow removal, trash, pier/dock maintenance
- Lake Monticello Subdivision
- Community Lake
Amenities
- Clubhouse
- Bar or Lounge
Recreation
- Boat Ramp
- Beach
- Golf Club
- Tennis Courts
- Baseball Field
- Soccer Field
- Community Basketball Court
- Community Playground
- Community Pool
Security
- Security Service
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
May 10, 2024
Closed on
Aug 26, 2025
Sold by
Moorhouse Matthew
Bought by
Pope Jason Bradley and Pope Jessica Nicole
Seller's Agent
CHRISTY BECK
LONG & FOSTER - LAKE MONTICELLO
Buyer's Agent
Default Agent
Default Office
List Price
$429,900
Sold Price
$424,900
Premium/Discount to List
-$5,000
-1.16%
Views
200
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
117.71%
Original Mortgage
$417,203
Outstanding Balance
$417,203
Interest Rate
6.75%
Mortgage Type
FHA
Estimated Equity
$24,551
Purchase Details
Listed on
Nov 25, 2021
Closed on
Jan 14, 2022
Sold by
Brianne Matthews Alyssa
Bought by
Moorhouse Matthew
Seller's Agent
Katelyn Mancini
HOWARD HANNA ROY WHEELER REALTY CO.- CHARLOTTESVILLE
Buyer's Agent
MILENA WEBB
HERITAGE REAL ESTATE CO.
List Price
$355,000
Sold Price
$360,000
Premium/Discount to List
$5,000
1.41%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.71%
Original Mortgage
$368,280
Interest Rate
3.11%
Mortgage Type
VA
Purchase Details
Closed on
Jun 17, 2016
Sold by
Geissler Ted J
Bought by
Byers Alyssa
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$234,179
Interest Rate
3.6%
Mortgage Type
FHA
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 11, 2006
Sold by
Barry Meade Homes Llc
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
$230,925
Interest Rate
6.75%
Mortgage Type
Assumption
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $424,900 | Sage Title | |
| Deed | $360,000 | Chicago Title | |
| Quit Claim Deed | $238,500 | Chicago Title | |
| Gift Deed | -- | Chicago Title Insurance Co | |
| Gift Deed | -- | Chicago Title Insurance Co | |
| Warranty Deed | $307,900 | None Available |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $417,203 | FHA | |
| Previous Owner | $368,280 | VA | |
| Previous Owner | $234,179 | FHA | |
| Previous Owner | $230,925 | Assumption |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 08/28/2025 08/28/25 | Sold | $424,900 | 0.0% | $177 / Sq Ft |
| 07/23/2025 07/23/25 | Pending | -- | -- | -- |
| 07/16/2025 07/16/25 | Price Changed | $424,900 | -1.2% | $177 / Sq Ft |
| 06/01/2025 06/01/25 | For Sale | $429,900 | 0.0% | $179 / Sq Ft |
| 04/30/2025 04/30/25 | Pending | -- | -- | -- |
| 04/23/2025 04/23/25 | Price Changed | $429,900 | -1.1% | $179 / Sq Ft |
| 04/01/2025 04/01/25 | Price Changed | $434,900 | -1.1% | $182 / Sq Ft |
| 03/17/2025 03/17/25 | For Sale | $439,900 | 0.0% | $184 / Sq Ft |
| 03/07/2025 03/07/25 | Pending | -- | -- | -- |
| 05/10/2024 05/10/24 | For Sale | $439,900 | +22.2% | $184 / Sq Ft |
| 01/21/2022 01/21/22 | Sold | $360,000 | +1.4% | $150 / Sq Ft |
| 12/17/2021 12/17/21 | Pending | -- | -- | -- |
| 12/10/2021 12/10/21 | For Sale | $355,000 | 0.0% | $148 / Sq Ft |
| 11/30/2021 11/30/21 | Pending | -- | -- | -- |
| 11/25/2021 11/25/21 | For Sale | $355,000 | -- | $148 / Sq Ft |
Source: Bright MLS
Tax History Compared to Growth
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 | $2,960 | $394,700 | $30,000 | $364,700 |
| 2024 | $27 | $320,800 | $30,000 | $290,800 |
| 2023 | $2,708 | $320,800 | $30,000 | $290,800 |
| 2022 | $2,366 | $272,000 | $27,500 | $244,500 |
| 2021 | $2,366 | $272,000 | $27,500 | $244,500 |
| 2020 | $2,324 | $251,200 | $27,500 | $223,700 |
| 2019 | $2,324 | $251,200 | $27,500 | $223,700 |
| 2018 | $2,160 | $238,200 | $27,500 | $210,700 |
| 2017 | $2,160 | $238,200 | $27,500 | $210,700 |
| 2016 | $2,109 | $230,000 | $27,500 | $202,500 |
| 2015 | $1,958 | $230,000 | $27,500 | $202,500 |
| 2014 | $1,958 | $222,500 | $27,500 | $195,000 |
Source: Public Records
Agents Affiliated with this Home
-
CHRISTY BECK
-
Maggie Gunnels Fornecker
Seller Co-Listing Agent in 2025
Maggie Gunnels Fornecker
LONG & FOSTER - LAKE MONTICELLO
(434) 361-4987
170 in this area
324 Total Sales
-
D
Buyer's Agent in 2025
Default Agent
Default Office
-
Katelyn Mancini
Seller's Agent in 2022
Katelyn Mancini
HOWARD HANNA ROY WHEELER REALTY CO.- CHARLOTTESVILLE
(703) 203-3388
13 in this area
169 Total Sales
-
MILENA WEBB
Buyer's Agent in 2022
MILENA WEBB
HERITAGE REAL ESTATE CO.
(434) 400-8070
8 in this area
75 Total Sales
Map
Source: Bright MLS
MLS Number: 652794
APN: 18A 8 373
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