See other homes in:
Primary listing photo

195 Camelot Ln, Palmyra, VA, 22963

4beds
3baths
2,763sqft
$275,000
$100price/sqft
$1,953/moest. monthly cost
$78,120/yrincome needed

About This Home

This 4 Bedroom - 2.5 Bath, Country Home, is situated with plenty of wooded  privacy. It has a full walk out basement full of potential. The property is being sold As-Is. Now that the children have moved on...the Owner is systematically removing all the accumulated stuff. The family dog never leaves the property, so no drive-by...please.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

--
6/10
Fluvanna MiddleGrades 5-73.9 mi
5/10

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Block
  • Roof: Architectural
  • Construction materials: Modular/Prefab,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer

Basement

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

Bathroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Basement

Dining Room

  • Level: First

Exercise Room

  • Level: Basement

Features

  • Primary Downstairs,Utility Room
  • Flooring: Carpet
  • Finished area below ground: 1,305
  • Finished area above ground: 1,458

Half Bath

  • Level: Basement

Heating & Cooling

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

Interior Area

  • Total structure area: 2,916
  • Total interior livable area: 2,763 sqft

Kitchen

  • Level: First

Kitchen

  • Level: Basement

Laundry

  • Level: Basement

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: Basement

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 39A98A
  • Zoning description: A-1 Agricultural

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Front Porch,Porch

Lot

  • Lot size: 7.22 Acres

Parking

  • Parking features: Gravel

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
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Drought
Earthquake
Hurricane
Inland Flooding
Lightning

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 $1,390$16,680
Home Insurance *$101$1,212
Property Taxes $196$2,352
Electricity $266$3,193
Total$1,953$23,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,960/yr
40% on housing$58,590/yr
45% on housing$52,080/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

$100This listing

vs Other Active Listings

Avg $/sqft

ZIP 22963$208
Fluvanna County$197

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
2026-08-13Pending sale$275,000
2026-07-27Listed for sale$275,000

For Sale by Agent

AgentMATTHEW HOLT
Brokerage1ST DOMINION REALTY INC-SCOTTSVILLE

Similar Homes