# 11 CHATHAM LN, Palmyra, VA 22963

> **TL;DR:** 4bd/3ba single family, $729,900 ($230/sqft), built 2002, 3,178 sqft.
> Fireplace, Waterfront, View, Hardwood. Est. $5,399/mo. Listed 60 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $729,900 |
| Price/sqft | $230 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 3,178 |
| Year Built | 2002 |
| Lot Size | 25,265 sqft (0.58 acres) |
| Stories | 1 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 60 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Water
- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,691 |
| Estimated Insurance | $213 |
| HOA | $1,495 |
| **Total** | **$5,399** |

## Nearby Schools

- **Elementary:** Central (Fluvanna)
- **Middle:** Fluvanna
- **High:** Fluvanna

## Key Amenities

- Fireplace
- Waterfront
- View
- Hardwood
- A/C

## Property Highlights

- Built in 2002
- 0.58 acre lot
- Fireplace
- Waterfront

## Description

### Agent Description
Waterfront home nestled among mature hardwoods just a short boat ride up Washington Cove to the main body of water at Lake Monticello a gated, amenity rich golf course community. Our 2014 Sylvan 8520 Mirage CR Luxury Edition Pontoon boat with a meticulously maintained 90 H.P. Honda outboard engine will convey at home purchase with an acceptable offer. Enjoy relaxing on and fishing from your own boat dock & bulkhead. The full length rear deck features a screened porch, space for a hot tub, and overlooks the cove. Home features 4 bedrooms, 3 full baths, open great room with cathedral ceilings, beautiful hardwood floors & gas fireplace. Main level primary suite offers cathedral ceiling, hardwood floors, soaking tub, double vanity, seperate shower, plus his and hers closets The finished walkout terrace level is home to the 4th bedroom, 3rd full bath, huge family room with free standing gas fireplace, a flex room currently used as a home gym and large storage area with built-in shelving. Private lot with gentle sloping gravel walkway down to the water. Enjoy lakefront living, a quiet neighborhood, and close amenities all while being just 25 minutes from Charlottesville. Welcome home!

## Location

- **Address:** 11 CHATHAM LN, Palmyra, VA 22963
- **County:** Fluvanna
- **Neighborhood:** LAKE MONTICELLO
- **Coordinates:** 37.908076, -78.297762
- **Google Maps:** https://www.google.com/maps?q=37.908076,-78.297762

## Listing Agent

- **Name:** RUTH GUSS
- **Brokerage:** PLB2 Inc.
- **Phone:** 4349600414
- **Broker Phone:** (434) 465-4444
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/11-Chatham-Ln_Palmyra_VA_22963_M66148-31608?f=listhub&s=CAARMLSVA&m=679602&c=propsimple)

## Photos

![11 CHATHAM LN - Photo 1](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3869779095r.jpg)

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---

**MLS#:** 679602 | **Updated:** 2026-09-13
**Source:** listhub

*Copyright © 2026 Charlottesville Area Association of REALTORS®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/11-chatham-ln-palmyra-va-22963-a679602)

---

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  "name": "11 CHATHAM LN, Palmyra, VA 22963",
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