1698 Broken Island Rd, Palmyra, VA, 22963
About This Home
Stunning custom-built residence in the desirable Broken Island community offering over 5,650 finished sq.ft. of living space on a private 2.66-acre cul-de-sac lot bordering the Rivanna River, neighborhood trails & protected common area. Designed for comfortable everyday living & entertaining, this spacious home features 5 bedrooms, 4 full baths & 2 half baths across three levels with generously sized rooms throughout. Main level includes a large primary suite, formal & casual living spaces, expansive kitchen with stainless steel appliances, and multiple gathering areas opening to exceptional outdoor living spaces overlooking a beautiful section of the Rivanna River. The finished terrace level offers flexible space ideal for recreation, guests, hobbies, home office or multigenerational living. House includes many wonderful built-ins & upgrades, includes a whole house generator, plus tons of storage. Enjoy peaceful wooded privacy, direct access to scenic walking trails, and the natural beauty that makes Broken Island one of Fluvanna County’s most special riverfront communities. Fiber Internet! Conveniently located just minutes to shopping, restaurants & grocery stores, and less than 20 miles to the City of Charlottesville & UVA.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2003
Materials
- Foundation: Poured
- Roof: Architectural
- Construction materials: HardiPlank Type,Stick Built,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Oven,Dishwasher,Gas Cooktop,Disposal,Microwave,Refrigerator,Wine Cooler,Dryer,Washer
- Laundry features: Washer Hookup,Dryer Hookup
Basement
- Has basement: Yes
- Basement: Exterior Entry,Full,Finished,Heated,Interior Entry,Partially Finished,Walk-Out Access
Bathroom
- Level: Basement
Bathroom
- Level: First
Bathroom
- Level: Second
Bedroom
- Level: First
Bedroom
- Level: Second
Bedroom
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 6
- Full bathrooms: 4
- 1/2 bathrooms: 2
- Main level bathrooms: 3
- Main level bedrooms: 2
Breakfast Room Nook
- Level: First
Dining Room
- Level: First
Features
- Central Vacuum,Double Vanity,Primary Downstairs,Breakfast Bar,Tray Ceiling(s),Entrance Foyer,Eat-in Kitchen,Home Office,Vaulted Ceiling(s)
- Window features: Casement Window(s),Double Pane Windows,Insulated Windows,Tilt-In Windows
- Flooring: Carpet,Ceramic Tile,Hardwood
- Number of fireplaces: 1
- Fireplace features: One,Gas Log
- Fireplace: Yes
- Finished area below ground: 1,544
- Finished area above ground: 4,106
Foyer
- Level: First
Half Bath
- Level: First
Half Bath
- Level: Second
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air,Heat Pump
Interior Area
- Total structure area: 6,943
- Total interior livable area: 5,650 sqft
Kitchen
- Level: First
Laundry
- Level: First
Living Room
- Level: First
Master Bathroom
- Level: First
Master Bedroom
- Level: First
Office
- Level: Basement
Recreation
- Level: Basement
Property
Details
- Parcel number: 14660
- Zoning description: A-1 Agricultural
Features
- Levels: Two
- Stories: 2
- Patio & porch: Rear Porch,Deck,Front Porch,Porch,Screened
- Exterior features: Sprinkler/Irrigation,Porch
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
Lot
- Lot size: 2.66 Acres
- Features: Cul-De-Sac,Garden,Landscaped,Private,Secluded,Waterfront
Parking
- Total spaces: 2
- Parking features: Asphalt,Attached,Electricity,Garage,Garage Door Opener,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
- Strong Wind
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,854 | $58,248 |
| Home Insurance * | $353 | $4,236 |
| Property Taxes | $723 | $8,676 |
| Electricity | $544 | $6,530 |
| Total | $6,474 | $77,688 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Listed for sale | $975,000 |
| 2022-02-02 | Sold | $760,000 |
| 2021-11-22 | Pending sale | $874,900 |
| 2021-10-25 | Price change | $874,900 |
| 2021-10-01 | Listed for sale | $895,000 |
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