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40 Brougham Rd, Palmyra, VA, 22963

4beds
3baths
3,319sqft
$575,000
$173price/sqft
$3,847/moest. monthly cost
$153,880/yrincome needed

About This Home

Pride of ownership shines throughout this meticulously maintained and thoughtfully updated home! Beautiful landscaping with extensive landscape lighting, a recently paved driveway, fenced backyard, and oversized renovated rear deck create exceptional curb appeal. Inside, you'll appreciate the custom trim, random-width hardwood flooring, large-format tile, soaring 17' ceilings in the living room, and a renovated chef's kitchen with granite countertops. The oversized attached two-car garage offers ample storage. A spacious game room is perfect for entertaining. Upstairs, the private primary level features a generous owner's suite, updated bath, and convenient laundry. The next level includes a versatile loft/media room, three additional bedrooms, and a full bath. A private home office occupies the top level. Two recently replaced high-efficiency Lennox HVAC systems provide year-round comfort while keeping average electric bills under $250/month. This exceptional home offers abundant space for everyday living and entertaining. Schedule your private showing today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
Fluvanna MiddleGrades 5-76.9 mi
5/10
--

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Block
  • Roof: Architectural
  • Construction materials: Stick Built,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Partial

Bathroom

  • Level: Third

Bedroom

  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Breakfast Room Nook

  • Level: First

Dining Room

  • Level: First

Features

  • Entrance Foyer,Home Office,Vaulted Ceiling(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Ceramic Tile,Hardwood
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Finished area below ground: 429
  • Finished area above ground: 2,890

Foyer

  • Level: First

Half Bath

  • Level: First

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 3,919
  • Total interior livable area: 3,319 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Media Room

  • Level: Third

Office

  • Level: Fourth

Recreation

  • Level: Basement

Property

Details

  • Parcel number: 18A1235
  • Zoning description: R-4 Residential

Features

  • Levels: Three Or More,Multi/Split,Quad-Level
  • Stories: 3
  • Pool features: Association
  • Patio & porch: Deck,Front Porch,Porch

Lot

  • Lot size: 0.39 Acres

Parking

  • Total spaces: 2.5
  • Parking features: Garage Door Opener,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Inland Flooding
Tornado
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,907$34,884
Home Insurance *$211$2,532
Property Taxes $410$4,920
Electricity $319$3,836
Total$3,847$46,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,897/yr
40% on housing$115,410/yr
45% on housing$102,586/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 22963$205
Fluvanna County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 22963$192
Fluvanna County$212

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-02Listed for sale$575,000
2020-06-19Listing removed$324,900
2020-04-27Pending sale$324,900
2020-04-06Price change$324,900
2020-03-11Listed for sale$329,000
2011-07-25Sold$270,500
2011-06-09Price change$273,900
2011-05-21Listed for sale$284,000
2007-05-21Sold$350,000

For Sale by Agent

AgentDANIEL BARBER
BrokerageMONTICELLO COUNTRY REALTY, LLC

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