# 11 CHATHAM LN, Palmyra, VA 22963 > **TL;DR:** 4bd/3ba single family, $699,900 ($220/sqft), built 2002, 3,178 sqft. > Fireplace, Waterfront, View, Hardwood. Est. $5,238/mo. Listed 104 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $699,900 | | Price/sqft | $220 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 3,178 | | Year Built | 2002 | | Lot Size | 25,265 sqft (0.58 acres) | | Stories | 1 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 104 | ## 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%) | $3,539 | | Estimated Insurance | $204 | | HOA | $1,495 | | **Total** | **$5,238** | ## Nearby Schools - **Elementary:** Central (Fluvanna) - **Middle:** Fluvanna - **High:** Fluvanna ## Key Amenities - Fireplace - Waterfront - View - Hardwood - A/C - 2-car garage ## Property Highlights - Built in 2002 - 0.58 acre lot - Fireplace - Waterfront ## Description ### Agent Description Nestled among mature hardwoods off Washington Cove, this waterfront home is just a short boat ride from the main body of Lake Monticello. Located in a gated, amenity-rich golf course community only 25 minutes from Charlottesville, the property offers a private boat dock and bulkhead for relaxing and fishing, a full-length rear deck with a screened porch and space for a hot tub, peaceful cove views, and a gently sloping gravel walkway to the water. Inside, the open great room features cathedral ceilings, beautiful hardwood floors, and a gas fireplace. The home offers four bedrooms and three full baths, including a primary suite with a cathedral ceiling, hardwood floors, soaking tub, double vanity, separate shower, and two closets. The finished walkout terrace level includes the fourth bedroom, third full bath, a spacious family room with a freestanding gas fireplace, a flex room currently used as a home gym, and a large storage area with built-in shelving. Enjoy peaceful lakefront living, convenient community amenities, and easy access to Charlottesville or Richmond! ## 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. - **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) ![11 CHATHAM LN - Photo 2](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f4111928517r.jpg) ![11 CHATHAM LN - Photo 3](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f1803163775r.jpg) ![11 CHATHAM LN - Photo 4](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f2524226434r.jpg) ![11 CHATHAM LN - 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Photo 55](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f2926143644r.jpg) ![11 CHATHAM LN - Photo 56](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f275819700r.jpg) ![11 CHATHAM LN - Photo 57](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f997112393r.jpg) ![11 CHATHAM LN - Photo 58](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3727421197r.jpg) ![11 CHATHAM LN - Photo 59](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f266576874r.jpg) ![11 CHATHAM LN - Photo 60](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3504416373r.jpg) ![11 CHATHAM LN - Photo 61](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3959573526r.jpg) ![11 CHATHAM LN - Photo 62](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f1865832572r.jpg) ![11 CHATHAM LN - Photo 63](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f587724406r.jpg) ![11 CHATHAM LN - Photo 64](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3127755785r.jpg) ![11 CHATHAM LN - Photo 65](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f1519386974r.jpg) ![11 CHATHAM LN - Photo 66](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3446172234r.jpg) ![11 CHATHAM LN - Photo 67](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3023611154r.jpg) ![11 CHATHAM LN - Photo 68](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f579003294r.jpg) ![11 CHATHAM LN - Photo 69](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f1094289319r.jpg) ![11 CHATHAM LN - Photo 70](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f4165991909r.jpg) ![11 CHATHAM LN - Photo 71](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f239550496r.jpg) ![11 CHATHAM LN - Photo 72](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f2235348315r.jpg) ![11 CHATHAM LN - Photo 73](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f3054288599r.jpg) ![11 CHATHAM LN - Photo 74](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f596893926r.jpg) ![11 CHATHAM LN - Photo 75](http://lh.rdcpix.com/a3dcd015ea0b85fe08de60bc4becd15el-f9221767r.jpg) --- **MLS#:** 679602 | **Updated:** 2026-10-25 **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://staging.propertysimple.ai/listing/11-chatham-ln-palmyra-va-22963-fb799d936fa343a5b0ea5ef80cd1290d) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/11-chatham-ln-palmyra-va-22963-fb799d936fa343a5b0ea5ef80cd1290d#listing", "url": "https://staging.propertysimple.ai/listing/11-chatham-ln-palmyra-va-22963-fb799d936fa343a5b0ea5ef80cd1290d", "name": "11 CHATHAM LN, Palmyra, VA 22963", "description": "Nestled among mature hardwoods off Washington Cove, this waterfront home is just a short boat ride from the main body of Lake Monticello. Located in a gated, amenity-rich golf course community only 25 minutes from Charlottesville, the property offers a private boat dock and bulkhead for relaxing and fishing, a full-length rear deck with a screened porch and space for a hot tub, peaceful cove views, and a gently sloping gravel walkway to the water. Inside, the open great room features cathedral ceilings, beautiful hardwood floors, and a gas fireplace. The home offers four bedrooms and three full baths, including a primary suite with a cathedral ceiling, hardwood floors, soaking tub, double vanity, separate shower, and two closets. The finished walkout terrace level includes the fourth bedroom, third full bath, a spacious family room with a freestanding gas fireplace, a flex room currently used as a home gym, and a large storage area with built-in shelving. 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