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19 Woodridge Rd, Palmyra, VA, 22963

4beds
3baths
2,821sqft
$750,000
$266price/sqft
$4,874/moest. monthly cost
$194,960/yrincome needed

About This Home

MOVE-IN READY—TRANQUIL VIEWS—PEACEFUL SETTING! 4-bed, 3-bath home perfectly positioned in a quiet cove with gorgeous main lake views & wooded setting! Nearly every room captures the water, including the primary suite & main-level guest bed—both opening to private decks thru newer sliding glass doors. Inside, wide-plank wood floors, solid stone counters, tile backsplash, recessed lights, skylights, pantry, vaulted ceilings, wood-burning fireplace. Dining area features a triple window framing the yard & upgraded blinds. Step outside to a spectacular brand new Trex screened porch w/ skylights & expansive decking all constructed by DAK Construction. Plus a large paver patio & an easy walk to your private dock complete w/ canoe & kayak rack. Terrace level offers a versatile den, beautifully remodeled full-bath, workshop/storage room, abundant storage & 4th bed. Primary suite includes breathtaking lake views, walk-in closet, double vanity, skylight & a shower w/ stepless-entry. Additional upgrades include a newer roof, oversized 6 inch gutters, recently paved driveway, new retaining wall, concrete steps to the backyard w/ landscape, newer fridge/freezer, newer washer, newer garbage disposal & HVAC is on service plan. Appliances convey.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

6/10
Fluvanna MiddleGrades 5-76.0 mi
5/10
--

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1986

Materials

  • Foundation: Block
  • Roof: Architectural
  • Construction materials: Cedar,Stick Built

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

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

Bathroom

  • Level: First

Bathroom

  • Level: Basement

Bedroom

  • Level: First

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: First

Exercise Room

  • Level: Basement

Family Room

  • Level: Basement

Features

  • Double Vanity,Primary Downstairs,Remodeled,Skylights,Walk-In Closet(s),Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Mud Room,Recessed Lighting,Utility Room,Vaulted Ceiling(s)
  • Window features: Skylight(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: One,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,209
  • Finished area above ground: 1,612

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,624
  • Total interior livable area: 2,821 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Mud Room

  • Level: Basement

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 18A3559
  • Zoning description: R-4 Residential

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Association
  • Patio & porch: Deck,Porch,Screened
  • Exterior features: Mature Trees/Landscape,Porch
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 0.44 Acres
  • Features: Cul-De-Sac,Landscaped,Native Plants,Private,Waterfront

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Gravel,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Strong Wind

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 $3,792$45,504
Home Insurance *$276$3,312
Property Taxes $535$6,420
Electricity $271$3,260
Total$4,874$58,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,108/yr
40% on housing$146,220/yr
45% on housing$129,973/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

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 22963$203
Fluvanna County$194

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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$750,000
2026-08-07Listed for sale$750,000
2019-04-25Sold$479,000
2019-03-29Pending sale$499,900
2019-02-28Price change$499,900
2019-01-12Listed for sale$515,000
2015-12-21Sold$400,000
2015-09-17Price change$448,000
2015-08-26Price change$467,000
2015-08-20Price change$477,000
2015-06-12Price change$467,000
2015-04-16Listed for sale$477,000

For Sale by Agent

AgentTHE GUNNELS GROUP
BrokerageLONG & FOSTER - LAKE MONTICELLO

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