3 Elm Ct Palmyra, VA 22963
Lake Monticello AreaEstimated payment $2,518/month
Highlights
- Community Boat Dock
- Golf Course Community
- Property is near a marina
- Beach
- Fitness Center
- Concrete Pool
About This Home
GATED LAKE MONTICELLO POOL HOME ON 1.18± ACRES — 3 ELM CT, PALMYRA, VA 5 Bed | 4 Bath | 3,370± SF + Finished Basement | Saltwater Pool | 1.18± Acre Lot
A rare find in one of Central Virginia's premier gated lake communities: a spacious, structurally sound home with a saltwater pool, an oversized lot, and room to grow — priced to sell with updates factored into the Reserve.
Live in it now, upgrade on your terms. On public water/sewer, low-risk flood zone. Roof, HVAC, and water heater are near end of life and reflected in pricing — buy right and capture the equity yourself instead of paying a flipper's markup.
STANDOUT FEATURES: In-ground saltwater pool (792± SF), pump ~5 years old -
1.18± acre lot — nearly double neighboring parcels-
Two decks (626± & 528± SF), covered porch, storage shed-
3,370± SF finished living space plus 778± SF finished basement-
Heat pump w/ central air, block foundation, composition roof- LAKE MONTICELLO LIFESTYLE: Gated, privately patrolled community on a 350-acre lake with 5 beaches, marina, boat launches/slips. 18-hole golf course & Fairway Clubhouse, Ashlawn Clubhouse pool, pickleball, tennis, basketball, playgrounds, walking trails, and The Bistro dining — all for ~$1,200/yr HOA. Zoned for Fluvanna County Schools (B+ Niche rating). ~15 miles / 30 min to Charlottesville & UVA.
IDEAL FOR: Investors, flippers, contractors, owner-occupants, and 203(k)/renovation-loan buyers seeking more house, more land, and more amenities in a community people pay to join.
RealAVMTM $582,300 | Confidence Score 93 | Range $542,200–$622,300 | As of 06/08/2026
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $3,533
Year Built
- Built in 1988
Lot Details
- 1.18 Acre Lot
- Cul-De-Sac
- Zoning described as R-4
HOA Fees
- $100 Monthly HOA Fees
Parking
- 2 Car Direct Access Garage
- Basement Garage
- Oversized Parking
- Workshop in Garage
- Garage Door Opener
- Driveway
- RV or Boat Parking
Home Design
- A-Frame Home
- Fire Rated Drywall
- Shingle Roof
- Composition Roof
- Wood Siding
- Concrete Block And Stucco Construction
- Plaster
Interior Spaces
- 3,370 Sq Ft Home
- 2-Story Property
- Built-In Features
- Bookcases
- Ceiling Fan
- Bay Window
- Window Screens
- Formal Dining Room
- Finished Basement
- Heated Basement
- Attic Fan
- Fire and Smoke Detector
Kitchen
- Breakfast Area or Nook
- Eat-In Kitchen
- Stove
- Cooktop
- Microwave
- Freezer
- Ice Maker
- Dishwasher
- Granite Countertops
Flooring
- Wood
- Partially Carpeted
- Ceramic Tile
Bedrooms and Bathrooms
- 5 Bedrooms
- Main Floor Bedroom
- Double Vanity
Laundry
- Dryer
- Washer
Pool
- Concrete Pool
- In Ground Pool
- Fence Around Pool
Outdoor Features
- Property is near a marina
- Balcony
- Deck
- Exterior Lighting
- Shed
- Rear Porch
Schools
- Cunningham Elementary School
- Fluvanna Middle School
- Fluvanna High School
Utilities
- Forced Air Heating and Cooling System
- Water Heater
Listing and Financial Details
- Tax Lot 99
- Assessor Parcel Number 18-A-3-99
Community Details
Overview
- Lake Monticello Subdivision
- Community Lake
- Pond in Community
Amenities
- Community Deck or Porch
- Clubhouse
Recreation
- Community Boat Dock
- Community Boat Facilities
- Beach
- Golf Course Community
- Fitness Center
- Community Pool
- Trails
Security
- Security Guard
- Controlled Access
- Gated Community
Map
Home Values in the Area
Average Home Value in this Area
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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 |
|---|---|---|---|---|
| 2026 | $3,557 | $471,134 | $34,800 | $436,334 |
| 2025 | $3,533 | $471,134 | $34,800 | $436,334 |
| 2024 | $30 | $361,000 | $34,800 | $326,200 |
| 2023 | $3,047 | $361,000 | $34,800 | $326,200 |
| 2022 | $2,686 | $308,700 | $31,800 | $276,900 |
| 2021 | $2,686 | $308,700 | $31,800 | $276,900 |
| 2020 | $2,634 | $284,800 | $31,800 | $253,000 |
| 2019 | $2,634 | $284,800 | $31,800 | $253,000 |
| 2018 | $2,465 | $271,800 | $31,800 | $240,000 |
| 2017 | $2,465 | $271,800 | $31,800 | $240,000 |
| 2016 | $2,560 | $279,200 | $31,800 | $247,400 |
| 2015 | $2,399 | $279,200 | $31,800 | $247,400 |
| 2014 | $2,399 | $272,600 | $31,800 | $240,800 |
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 07/27/2026 07/27/26 | Price Changed | $385,000 | +70.4% | $114 / Sq Ft |
| 07/24/2026 07/24/26 | Price Changed | $226,000 | +22.2% | $67 / Sq Ft |
| 07/06/2026 07/06/26 | For Sale | $185,000 | -- | $55 / Sq Ft |
Source: Central Virginia Regional MLS
MLS Number: 2618384
APN: 18A-3-99
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
All or a portion of th multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are ©2026 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.
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