# 3 elm ct, Palmyra, VA 22963 > **TL;DR:** 5bd/4ba single family, $385,000 ($114/sqft), built 1988, 3,370 sqft. > Pool, Hardwood. Est. $2,179/mo. Listed 72 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $385,000 | | Price/sqft | $114 | | Bedrooms | 5 | | Bathrooms | 3 full, 1 half | | Square Feet | 3,370 | | Year Built | 1988 | | Lot Size | 51,401 sqft (1.18 acres) | | Stories | 3 | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 72 | ## Why This Home Stands Out - **Pool** - Deck, Patio, Porch - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,947 | | Estimated Insurance | $112 | | HOA | $120 | | **Total** | **$2,179** | ## Key Amenities - Pool - Hardwood ## Property Highlights - Built in 1988 - 1.18 acre lot - 3 stories - Private pool ## Description ### Agent Description Property is being sold through a virtual auction. Property conveys as is, where is. List price does not reflect the final sale price. There is a 10% buyers premium added to the high bid. Subject to seller confirmation. Virtual auction ends on the listing company website, July 24th, 2026 @ 2pm Own a Pool Home in Gated Lake Monticello 3 Elm Ct, Palmyra, VA 22963 | 5 Bed / 4 Bath / 3,370+/- SF with Finished Basement | 1.18+/- Acres | Saltwater Pool This is the deal investors and owner-occupants wait for: a structurally sound, larger-than-average home inside one of Central Virginia's most sought-after gated lake communities with needed repairs and updates factored into the Seller's Reserve. Livable now. Transformable later. You don't have to renovate to move in - this home lives comfortably as-is on public water and sewer, in low-risk Flood Zone. The big-ticket items are simply accounted for up front in the seller's Reserve: roof, HVAC, and water heater are at end of life, and the finishes are ready for your stamp. That's not a warning label - it's the opportunity. Buy right today and update on your own timeline, capturing the value yourself instead of paying a flipper to do it for you. The assets that set this one apart: In-ground saltwater pool (792+/- SF) with a pump only ~5 years old - a true amenity in this market and a genuine draw Oversized 1.18+/- acre lot - the "BIGGER LOT" of record, versus the typical quarter-to-half-acre parcel next door Indoor-outdoor living built in - a 626+/- SF deck, a second 528+/- SF deck, covered porch, and a storage shed 3,370+/- finished SF across two stories plus a full basement (778+/- SF already finished) - room to spread out or add living space below grade Mechanical & structural - heat pump with central air, concrete-block foundation, gable composition roof A community that sells itself. Lake Monticello is a gated, privately-patrolled waterfront community built around a 350-acre lake with boating, fishing, and swimming at five beaches. Members tee off on an 18-hole golf course served by Fairway Clubhouse and host to the annual Faulconer Invitational, and cool off at the Ashlawn Clubhouse pool. Add pickleball and basketball at Lafayette Park with its 2023 playground, plus fishing and canoeing on 35-acre Tufton Lake - all for HOA dues of roughly $1,200 a year. The home feeds into Fluvanna County Public Schools, rated B-plus by Niche, and sits about 30 minutes and 15 miles from Charlottesville and the University of Virginia. Homes in this community don't trade at a discount - except this one. Membership gives you access to: Boating and fishing on Lake Monticello Access to the Marina, boat launches, slips, and racks Swimming at five beaches and access to the pool Access to the golf course Multiple playgrounds, basketball courts, pickleball, and tennis courts Walking track and ball field Park and Walk paths through quiet community streets Two equipped clubhouses for public and private events Access to The Bistro dining and catering Association-sponsored events that engage members in a variety of community activities Built for every kind of buyer: Investors & flippers - a clean property with the bones and the location to reward a smart renovation Contractors & renovators - you already have the crews; turn the roof / HVAC / cosmetic scope straight into your next project Owner-occupants - get into a gated lake community and build the home you want, on your own schedule Renovation-loan & 203(k) buyers - finance the improvements into your purchase and make it yours from day one Anyone who wants more - more house, more land, more amenities, and a pool, in a community people pay to get into RealAVM $582,300 Confidence Score 93 RealAVM Range $542,200 - $622,300 Forecast Standard Deviation 7 Value As Of 06/08/2026 ## Location - **Address:** 3 elm ct, Palmyra, VA 22963 - **County:** Fluvanna - **Neighborhood:** Lake Monticello - **Coordinates:** 37.903979, -78.301294 - **Google Maps:** https://www.google.com/maps?q=37.903979,-78.301294 ## Virtual Tour & Media - **Video Tour:** https://www.dudleyresources.auction/auctions/detail/bw164486 ## Listing Agent - **Name:** Tim Dudley - **Brokerage:** Dudley Resources - **Phone:** 804-709-1954 - **Broker Phone:** 804-709-1954 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3-Elm-Ct_Palmyra_VA_22963_M66307-44166?f=listhub&s=NYSMLS&m=11871318&c=propsimple) ## Photos ![3 elm ct - Photo 1](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f4177890138r.jpg) ![3 elm ct - Photo 2](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1492305353r.jpg) ![3 elm ct - Photo 3](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2147699515r.jpg) ![3 elm ct - Photo 4](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2757823728r.jpg) ![3 elm ct - Photo 5](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1898868817r.jpg) ![3 elm ct - Photo 6](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f85457823r.jpg) ![3 elm ct - Photo 7](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f4084025152r.jpg) ![3 elm ct - Photo 8](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1784441243r.jpg) ![3 elm ct - Photo 9](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1637336501r.jpg) ![3 elm ct - Photo 10](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2053052793r.jpg) ![3 elm ct - Photo 11](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1843877017r.jpg) ![3 elm ct - Photo 12](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1516707087r.jpg) ![3 elm ct - Photo 13](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3915452800r.jpg) ![3 elm ct - Photo 14](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f752660712r.jpg) ![3 elm ct - Photo 15](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1456428368r.jpg) ![3 elm ct - Photo 16](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1651984241r.jpg) ![3 elm ct - Photo 17](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3046036824r.jpg) ![3 elm ct - Photo 18](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2718839655r.jpg) ![3 elm ct - Photo 19](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3502265116r.jpg) ![3 elm ct - Photo 20](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2948723041r.jpg) ![3 elm ct - Photo 21](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f623381896r.jpg) ![3 elm ct - Photo 22](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3919064834r.jpg) ![3 elm ct - Photo 23](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2869798329r.jpg) ![3 elm ct - Photo 24](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f659060506r.jpg) ![3 elm ct - Photo 25](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3449219787r.jpg) ![3 elm ct - Photo 26](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f868918320r.jpg) ![3 elm ct - Photo 27](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3749740455r.jpg) ![3 elm ct - Photo 28](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f813093607r.jpg) ![3 elm ct - Photo 29](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1417589895r.jpg) ![3 elm ct - Photo 30](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f345744813r.jpg) ![3 elm ct - Photo 31](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3992701260r.jpg) ![3 elm ct - Photo 32](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3476107509r.jpg) ![3 elm ct - Photo 33](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3023356444r.jpg) ![3 elm ct - Photo 34](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1827440169r.jpg) ![3 elm ct - Photo 35](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3764273231r.jpg) ![3 elm ct - Photo 36](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1667411835r.jpg) ![3 elm ct - Photo 37](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3615221050r.jpg) ![3 elm ct - Photo 38](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3979877073r.jpg) ![3 elm ct - Photo 39](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1744405058r.jpg) ![3 elm ct - Photo 40](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f587163545r.jpg) ![3 elm ct - Photo 41](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f4190852028r.jpg) ![3 elm ct - Photo 42](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f626378683r.jpg) ![3 elm ct - Photo 43](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2618410735r.jpg) ![3 elm ct - Photo 44](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f651744954r.jpg) ![3 elm ct - Photo 45](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f2759234274r.jpg) ![3 elm ct - Photo 46](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f4224110539r.jpg) ![3 elm ct - Photo 47](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f1273939138r.jpg) ![3 elm ct - Photo 48](http://lh.rdcpix.com/6c3db3a980a3c92e34d63c19d4793887l-f3568732609r.jpg) --- **MLS#:** 11871318 | **Updated:** 2026-09-15 **Source:** listhub *Copyright © 2026 My State MLS. 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/3-elm-ct-palmyra-va-22963-11871318) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3-elm-ct-palmyra-va-22963-11871318#listing", "url": "https://www.propertysimple.ai/listing/3-elm-ct-palmyra-va-22963-11871318", "name": "3 elm ct, Palmyra, VA 22963", "description": "Property is being sold through a virtual auction. Property conveys as is, where is. List price does not reflect the final sale price. There is a 10% buyers premium added to the high bid. Subject to seller confirmation. Virtual auction ends on the listing company website, July 24th, 2026 @ 2pm Own a Pool Home in Gated Lake Monticello 3 Elm Ct, Palmyra, VA 22963 | 5 Bed / 4 Bath / 3,370+/- SF with Finished Basement | 1.18+/- Acres | Saltwater Pool This is the deal investors and owner-occupants wait for: a structurally sound, larger-than-average home inside one of Central Virginia's most sought-after gated lake communities with needed repairs and updates factored into the Seller's Reserve. Livable now. Transformable later. You don't have to renovate to move in - this home lives comfortably as-is on public water and sewer, in low-risk Flood Zone. The big-ticket items are simply accounted for up front in the seller's Reserve: roof, HVAC, and water heater are at end of life, and the finishes are ready for your stamp. That's not a warning label - it's the opportunity. Buy right today and update on your own timeline, capturing the value yourself instead of paying a flipper to do it for you. The assets that set this one apart: In-ground saltwater pool (792+/- SF) with a pump only ~5 years old - a true amenity in this market and a genuine draw Oversized 1.18+/- acre lot - the \"BIGGER LOT\" of record, versus the typical quarter-to-half-acre parcel next door Indoor-outdoor living built in - a 626+/- SF deck, a second 528+/- SF deck, covered porch, and a storage shed 3,370+/- finished SF across two stories plus a full basement (778+/- SF already finished) - room to spread out or add living space below grade Mechanical & structural - heat pump with central air, concrete-block foundation, gable composition roof A community that sells itself. Lake Monticello is a gated, privately-patrolled waterfront community built around a 350-acre lake with boating, fishing, and swimming at five beaches. Members tee off on an 18-hole golf course served by Fairway Clubhouse and host to the annual Faulconer Invitational, and cool off at the Ashlawn Clubhouse pool. Add pickleball and basketball at Lafayette Park with its 2023 playground, plus fishing and canoeing on 35-acre Tufton Lake - all for HOA dues of roughly $1,200 a year. The home feeds into Fluvanna County Public Schools, rated B-plus by Niche, and sits about 30 minutes and 15 miles from Charlottesville and the University of Virginia. Homes in this community don't trade at a discount - except this one. Membership gives you access to: Boating and fishing on Lake Monticello Access to the Marina, boat launches, slips, and racks Swimming at five beaches and access to the pool Access to the golf course Multiple playgrounds, basketball courts, pickleball, and tennis courts Walking track and ball field Park and Walk paths through quiet community streets Two equipped clubhouses for public and private events Access to The Bistro dining and catering Association-sponsored events that engage members in a variety of community activities Built for every kind of buyer: Investors & flippers - a clean property with the bones and the location to reward a smart renovation Contractors & renovators - you already have the crews; turn the roof / HVAC / cosmetic scope straight into your next project Owner-occupants - get into a gated lake community and build the home you want, on your own schedule Renovation-loan & 203(k) buyers - finance the improvements into your purchase and make it yours from day one 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