About This Home

This 4-bedroom, 3-bathroom single family at 13 HORSEBACK LN in Palmyra, VA is listed for $389,900 ($139 per sqft). Built in 1990, the home offers 2,810 sqft of living space on a 0.35 acres lot.

Key Features

  • Built in 1990
  • 0.35 acre lot

Property Details

1 story
3 full
1990
Listing Description

Spacious 4-bedroom, 3-bath home with 2,810 finished square feet located in the desirable Lake Monticello community! Tucked near the end of a quiet street with a cul-de-sac, this home offers plenty of indoor and outdoor living space along with a large two-car garage and fenced backyard.

The carpet-free interior features bamboo flooring throughout the main level and ceramic tile on the finished terrace level. The kitchen offers granite countertops and plenty of space for everyday living and entertaining. Downstairs, the finished terrace level provides flexible additional living space for a family room, recreation area, home office, guests or hobbies.

Step outside to the impressive two-level rear deck overlooking the fenced backyard-perfect for relaxing, grilling and entertaining. A brand-new HVAC system installed in 2026 adds comfort and peace of mind. Enjoy all that Lake Monticello has to offer, including its 352-acre lake, beaches, golf, pool, parks, playgrounds and more, with convenient access to Charlottesville. A wonderful combination of space, updates, outdoor living and Lake Monticello amenities!

Monthly Cost Estimate

$3,579/mo

20% down · 6.5% · 30 years

Principal$282
Interest$1,690
Insurance$114
HOA$1,494

Estimates only. Actual payments may vary.

Location

13 HORSEBACK LN

Palmyra, VA 22963

LAKE MONTICELLO

Property Details

Flooring

BambooTile - Ceramic

Heating

Electric (Heating)Heat Pump (Heating)

Cooling

Heat Pump

Appliances

DishwasherElectric RangeMicrowaveRefrigerator

Questions & Answers

This 4-bedroom, 3-bathroom single family at 13 HORSEBACK LN is listed at $389,900 ($139/sqft). The estimated monthly payment is $3,580 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1494/month.

Key features include: Built in 1990, 0.35 acre lot.

This property is listed by GENEVIEVE REILLY and can be reached at 4344144453.

GR

GENEVIEVE REILLY

Agent at Long & Foster

(434) 414-4453
Agent website

Listed by Long & Foster · Broker phone: (434) 953-8865 · View on Broker Site · Broker website

MLS# 681751· Source: Charlottesville Area Association of REALTORS®· 10 days on PropertySimple

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.

13 HORSEBACK LN, Palmyra, VA 22963

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