# 13 HORSEBACK LN, Palmyra, VA 22963

> **TL;DR:** 4bd/3ba single family, $374,900 ($133/sqft), built 1990, 2,810 sqft.
> 2-car garage. Est. $3,499/mo. Listed 48 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $374,900 |
| Price/sqft | $133 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 2,810 |
| Year Built | 1990 |
| Lot Size | 15,246 sqft (0.35 acres) |
| Stories | 1 |
| Garage | 2-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 48 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,896 |
| Estimated Insurance | $109 |
| HOA | $1,494 |
| **Total** | **$3,499** |

## Nearby Schools

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

## Key Amenities

- 2-car garage

## Property Highlights

- Built in 1990
- 0.35 acre lot

## Description

### Agent Description
OPEN SAT 10.17 from 2-4 NEW PRICE! - $374,900! Exceptional space and versatility in Lake Monticello! This spacious 4-bedroom, 3-bath home offers 2,810 finished square feet, a large 2-car garage, and a finished terrace level, all tucked near the end of a quiet cul-de-sac street. Enjoy a carpet-free interior with bamboo flooring on the main level, ceramic tile on the terrace level, and a kitchen featuring granite countertops. The finished lower level provides incredible flexibility for a family room, recreation space, home office, or guests. Step outside to an expansive two-level rear deck overlooking the fenced backyard, perfect for outdoor entertaining, pets, or relaxing at home. Additional highlights include winter water views and a BRAND-NEW HVAC system installed in 2026! Enjoy all that Lake Monticello has to offer, including its 352-acre lake, beaches, boating, golf, pool, parks, and playgrounds, with convenient access to Charlottesville. Generous living space, flexible floor plan, and an opportunity to add your personal touches over time!

## 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
- **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:** 2026-10-27
**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/13-horseback-ln-palmyra-va-22963-0d68d15b583d4a558163ce26518e4a35)

---

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    "url": "https://staging.propertysimple.ai/listing/13-horseback-ln-palmyra-va-22963-0d68d15b583d4a558163ce26518e4a35",
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    }
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  "provider": {
    "@type": "Person",
    "@id": "https://staging.propertysimple.ai/listing/13-horseback-ln-palmyra-va-22963-0d68d15b583d4a558163ce26518e4a35#agent",
    "name": "GENEVIEVE REILLY",
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      "name": "Long & Foster",
      "telephone": "(434) 953-8865"
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}
```