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4 Lakeview Cir, Palmyra, VA, 22963

5beds
3baths
3,514sqft
$1,049,999
$299price/sqft
$6,782/moest. monthly cost
$271,280/yrincome needed

About This Home

Tucked along the shores of Lake Monticello, this beautifully remodeled waterfront home on Lakeview Circle. This home offers the perfect blend of modern comfort and lakefront living. With breathtaking unobstructed water views and direct access from your backyard, you can enjoy fishing, swimming, boating and paddling anytime. This move in ready home has been completely transformed with a designers eye. Featuring 5 spacious bedrooms and 3 stunning custom tiled bathrooms. The kitchen showcases upgraded cabinetry, modern finishes, and expansive water views, flowing seamlessly into the open concept living space. Vaulted ceilings and expansive windows flood the home with sunlight, highlighting the rich hardwood floors and cozy fireplace. Step outside to an expansive deck and inviting sunroom-both perfectly positioned to capture the spectacular lake views, ideal for relaxing or entertaining. New mechanical systems and an extensive list of upgrades throughout, this home offers peace of mind and turnkey convenience, Located just around the corner from the clubhouse, tennis courts, pool and all the amenities. This property delivers an exceptional opportunity to enjoy an active lifestyle. A Must see. More pics coming on Sunday

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

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

Construction

Condition

  • Year built: 1981

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,ENERGY STAR Qualified Appliances,Electric Cooktop,Microwave,Refrigerator,Dryer,Water Softener,Washer
  • Laundry features: Sink

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Heated,Interior Entry,Sump Pump,Walk-Out Access

Bathroom

  • Level: Basement

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Primary Downstairs,Permanent Attic Stairs,Skylights,Walk-In Closet(s),Air Filtration,Eat-in Kitchen,Kitchen Island,Loft,Recessed Lighting,Utility Room,Vaulted Ceiling(s)
  • Window features: Casement Window(s),Low-Emissivity Windows,Screens,Skylight(s)
  • Flooring: Carpet,Hardwood,Porcelain Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Permanent Stairs
  • Finished area below ground: 1,030
  • Finished area above ground: 2,232

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,ENERGY STAR Qualified Equipment,Heat Pump

Interior Area

  • Total structure area: 3,829
  • Total interior livable area: 3,514 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Loft

  • Level: Second

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 18A 1 54
  • Zoning description: R-4 Residential
  • Other equipment: Air Purifier

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community,Pool,Association
  • Patio & porch: Deck,Porch,Screened
  • Exterior features: Porch
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.30 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Carport,Garage,Oversized
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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 $5,309$63,708
Home Insurance *$386$4,632
Property Taxes $749$8,988
Electricity $338$4,061
Total$6,782$81,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$232,525/yr
40% on housing$203,460/yr
45% on housing$180,853/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

$299This listing

vs Other Active Listings

Avg $/sqft

ZIP 22963$201
Fluvanna County$193

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
2026-05-02Listed for sale$1,175,000
2025-08-26Sold$930,000
2025-08-14Pending sale$920,000
2025-08-12Listed for sale$920,000

For Sale by Agent

AgentPATRICIA ARNDT
BrokerageLONG & FOSTER - LAKE MONTICELLO

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