# 13 HORSEBACK LN, Palmyra, VA 22963

> **TL;DR:** 4bd/3ba single family, $389,900 ($139/sqft), built 1990, 2,810 sqft. Est. $3,580/mo. Listed 7 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $389,900 |
| Price/sqft | $139 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 2,810 |
| Year Built | 1990 |
| Lot Size | 15,246 sqft (0.35 acres) |
| Stories | 1 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 7 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,972 |
| Estimated Insurance | $114 |
| HOA | $1,494 |
| **Total** | **$3,580** |

## Nearby Schools

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

## Property Highlights

- Built in 1990
- 0.35 acre lot

## Description

### Agent 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!

## Location

- **Address:** 13 HORSEBACK LN, Palmyra, VA 22963
- **County:** Fluvanna
- **Neighborhood:** LAKE MONTICELLO
- **Coordinates:** 37.905982, -78.301721
- **Google Maps:** https://www.google.com/maps?q=37.905982,-78.301721

## Listing Agent

- **Name:** GENEVIEVE REILLY
- **Brokerage:** Long & Foster
- **Phone:** 4344144453
- **Broker Phone:** (434) 953-8865
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/13-Horseback-Ln_Palmyra_VA_22963_M66317-50346?f=listhub&s=CAARMLSVA&m=681751&c=propsimple)

## Photos

![13 HORSEBACK LN - Photo 1](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f2788572499r.jpg)

![13 HORSEBACK LN - Photo 2](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f937401843r.jpg)

![13 HORSEBACK LN - Photo 3](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f737620890r.jpg)

![13 HORSEBACK LN - Photo 4](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f897494922r.jpg)

![13 HORSEBACK LN - Photo 5](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f94109242r.jpg)

![13 HORSEBACK LN - Photo 6](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3148467737r.jpg)

![13 HORSEBACK LN - Photo 7](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1866077308r.jpg)

![13 HORSEBACK LN - Photo 8](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3093087503r.jpg)

![13 HORSEBACK LN - Photo 9](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3949164909r.jpg)

![13 HORSEBACK LN - Photo 10](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f4144927070r.jpg)

![13 HORSEBACK LN - Photo 11](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f528656630r.jpg)

![13 HORSEBACK LN - Photo 12](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f648445137r.jpg)

![13 HORSEBACK LN - Photo 13](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f2610599364r.jpg)

![13 HORSEBACK LN - Photo 14](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1101776437r.jpg)

![13 HORSEBACK LN - Photo 15](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f549298828r.jpg)

![13 HORSEBACK LN - Photo 16](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1339299754r.jpg)

![13 HORSEBACK LN - Photo 17](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1152160232r.jpg)

![13 HORSEBACK LN - Photo 18](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1373544422r.jpg)

![13 HORSEBACK LN - Photo 19](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f766116125r.jpg)

![13 HORSEBACK LN - Photo 20](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f2622252445r.jpg)

![13 HORSEBACK LN - Photo 21](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3921223100r.jpg)

![13 HORSEBACK LN - Photo 22](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f2677370952r.jpg)

![13 HORSEBACK LN - Photo 23](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1962965017r.jpg)

![13 HORSEBACK LN - Photo 24](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1270856736r.jpg)

![13 HORSEBACK LN - Photo 25](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f787375016r.jpg)

![13 HORSEBACK LN - Photo 26](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f595344967r.jpg)

![13 HORSEBACK LN - Photo 27](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f2457536049r.jpg)

![13 HORSEBACK LN - Photo 28](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3208569694r.jpg)

![13 HORSEBACK LN - Photo 29](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f692016664r.jpg)

![13 HORSEBACK LN - Photo 30](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3343598740r.jpg)

![13 HORSEBACK LN - Photo 31](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3807750474r.jpg)

![13 HORSEBACK LN - Photo 32](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f3839304530r.jpg)

![13 HORSEBACK LN - Photo 33](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f2115685799r.jpg)

![13 HORSEBACK LN - Photo 34](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f386054517r.jpg)

![13 HORSEBACK LN - Photo 35](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f560194824r.jpg)

![13 HORSEBACK LN - Photo 36](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f502848945r.jpg)

![13 HORSEBACK LN - Photo 37](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f101442627r.jpg)

![13 HORSEBACK LN - Photo 38](http://lh.rdcpix.com/2f395a8c798c1cba9813aebc2a6dba76l-f1664296022r.jpg)

---

**MLS#:** 681751 | **Updated:** 2026-09-12
**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/13-horseback-ln-palmyra-va-22963-a681751)

---

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    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
    "seller": {
      "@id": "https://www.propertysimple.ai/listing/13-horseback-ln-palmyra-va-22963-a681751#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://www.propertysimple.ai/listing/13-horseback-ln-palmyra-va-22963-a681751#agent",
    "name": "GENEVIEVE REILLY",
    "telephone": "4344144453",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://www.propertysimple.ai/listing/13-horseback-ln-palmyra-va-22963-a681751#brokerage",
      "name": "Long & Foster",
      "telephone": "(434) 953-8865"
    }
  }
}
```