# 4 LOCKS RD, Palmyra, VA 22963 > **TL;DR:** 4bd/3ba single family, $649,900 ($207/sqft), built 1999, 3,138 sqft. > Fireplace, View, A/C, 4-car garage. Est. $3,598/mo. Listed 21 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $649,900 | | Price/sqft | $207 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 3,138 | | Year Built | 1999 | | Lot Size | 20,038 sqft (0.46 acres) | | Stories | 1 | | Garage | 4-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 21 | ## Why This Home Stands Out - **Views** - Golf Course - **Large Garage** - 4-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,286 | | Estimated Insurance | $190 | | HOA | $122 | | **Total** | **$3,598** | ## Nearby Schools - **Elementary:** Central (Fluvanna) - **Middle:** Fluvanna - **High:** Fluvanna ## Key Amenities - Fireplace - View - A/C - 4-car garage ## Property Highlights - Built in 1999 - 0.46 acre lot - Fireplace ## Description ### Agent Description GOLF FRONT LIVING! Designed for spacious living & multigenerational living flexibility! This impressive golf-front Lake Monticello home offers generous square footage, separate garages (one 2-car garage above grade & one 2-car below grade) & a fully finished walkout terrace level with its own private entrance. A covered front porch & aggregate walkway welcome you thru double doors into a dramatic 2-story foyer with archway. Expansive living room features a vaulted ceiling & cozy gas fireplace, while thekitchen offers 42" cabinetry, gas cooking & an adjoining breakfast room. Spacious dining room is highlighted by a vaulted ceiling & large palladian window. Main-level primary suite features a tray ceiling, backyard views, walk-in closet, bath with separate vanities, soaking tub & shower, plus conveniently located laundry room. Split-bedroom design provides privacy, with spacious guest rooms & a vaulted bedroom with palladian window also ideal for a home office. Downstairs terrace offers a 4th bedroom, family room, full bath, storage & 2nd garage. Enjoy a large screened porch, large deck, covered patio, fenced backyard & beautiful golf course views. Close to parks, sports field, walking trails, golf course & Slice Gate. ## Location - **Address:** 4 LOCKS RD, Palmyra, VA 22963 - **County:** Fluvanna - **Neighborhood:** LAKE MONTICELLO - **Coordinates:** 37.89857993, -78.31989736 - **Google Maps:** https://www.google.com/maps?q=37.89857993,-78.31989736 ## Listing Agent - **Name:** THE GUNNELS GROUP - **Brokerage:** Long & Foster - **Broker Phone:** (434) 953-8865 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4-Locks-Rd_Palmyra_VA_22963_M66497-49797?f=listhub&s=CAARMLSVA&m=682788&c=propsimple) ## Photos ![4 LOCKS RD - Photo 1](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2061884032r.jpg) ![4 LOCKS RD - Photo 2](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3060946399r.jpg) ![4 LOCKS RD - Photo 3](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2864410013r.jpg) ![4 LOCKS RD - Photo 4](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3898158449r.jpg) ![4 LOCKS RD - Photo 5](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2431873440r.jpg) ![4 LOCKS RD - Photo 6](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3774459730r.jpg) ![4 LOCKS RD - Photo 7](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1936800110r.jpg) ![4 LOCKS RD - Photo 8](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2123236529r.jpg) ![4 LOCKS RD - Photo 9](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2382789395r.jpg) ![4 LOCKS RD - Photo 10](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f4047991072r.jpg) ![4 LOCKS RD - Photo 11](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3773470503r.jpg) ![4 LOCKS RD - Photo 12](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3106325132r.jpg) ![4 LOCKS RD - Photo 13](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f686654631r.jpg) ![4 LOCKS RD - Photo 14](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f288921267r.jpg) ![4 LOCKS RD - Photo 15](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f636998908r.jpg) ![4 LOCKS RD - Photo 16](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2510807575r.jpg) ![4 LOCKS RD - Photo 17](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f307036652r.jpg) ![4 LOCKS RD - Photo 18](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3553290900r.jpg) ![4 LOCKS RD - Photo 19](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2877596875r.jpg) ![4 LOCKS RD - Photo 20](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1457395235r.jpg) ![4 LOCKS RD - Photo 21](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1079599186r.jpg) ![4 LOCKS RD - Photo 22](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3271221182r.jpg) ![4 LOCKS RD - Photo 23](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1787978178r.jpg) ![4 LOCKS RD - Photo 24](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1151711906r.jpg) ![4 LOCKS RD - Photo 25](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f4170789480r.jpg) ![4 LOCKS RD - Photo 26](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1068451802r.jpg) ![4 LOCKS RD - 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Photo 38](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3351218229r.jpg) ![4 LOCKS RD - Photo 39](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1595178091r.jpg) ![4 LOCKS RD - Photo 40](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2055155718r.jpg) ![4 LOCKS RD - Photo 41](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1080522267r.jpg) ![4 LOCKS RD - Photo 42](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2711647219r.jpg) ![4 LOCKS RD - Photo 43](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2278175061r.jpg) ![4 LOCKS RD - Photo 44](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2913154577r.jpg) ![4 LOCKS RD - Photo 45](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3217413738r.jpg) ![4 LOCKS RD - Photo 46](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f735790914r.jpg) ![4 LOCKS RD - Photo 47](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1515267603r.jpg) ![4 LOCKS RD - Photo 48](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1342764873r.jpg) ![4 LOCKS RD - Photo 49](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3309166141r.jpg) ![4 LOCKS RD - Photo 50](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2510686440r.jpg) ![4 LOCKS RD - Photo 51](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3875086906r.jpg) ![4 LOCKS RD - Photo 52](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f185898423r.jpg) ![4 LOCKS RD - Photo 53](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1596468408r.jpg) ![4 LOCKS RD - Photo 54](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f254650785r.jpg) ![4 LOCKS RD - Photo 55](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1140293507r.jpg) ![4 LOCKS RD - Photo 56](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f854930092r.jpg) ![4 LOCKS RD - Photo 57](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2035577640r.jpg) ![4 LOCKS RD - Photo 58](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f4108258674r.jpg) ![4 LOCKS RD - Photo 59](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f385728961r.jpg) ![4 LOCKS RD - Photo 60](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3847257197r.jpg) ![4 LOCKS RD - Photo 61](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f230288657r.jpg) ![4 LOCKS RD - Photo 62](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f305698729r.jpg) ![4 LOCKS RD - Photo 63](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f2934401769r.jpg) ![4 LOCKS RD - Photo 64](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3932228318r.jpg) ![4 LOCKS RD - Photo 65](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3563233426r.jpg) ![4 LOCKS RD - Photo 66](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f970052614r.jpg) ![4 LOCKS RD - Photo 67](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f1304104038r.jpg) ![4 LOCKS RD - Photo 68](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f838139969r.jpg) ![4 LOCKS RD - Photo 69](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f585289639r.jpg) ![4 LOCKS RD - Photo 70](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f3283155081r.jpg) ![4 LOCKS RD - Photo 71](http://lh.rdcpix.com/4f6201506bee743d386220ad4b3a7f5bl-f591335045r.jpg) --- **MLS#:** 682788 | **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/4-locks-rd-palmyra-va-22963-f3b63a9acc634c8ba1aa2a544927334c) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/4-locks-rd-palmyra-va-22963-f3b63a9acc634c8ba1aa2a544927334c#listing", "url": "https://staging.propertysimple.ai/listing/4-locks-rd-palmyra-va-22963-f3b63a9acc634c8ba1aa2a544927334c", "name": "4 LOCKS RD, Palmyra, VA 22963", "description": "GOLF FRONT LIVING! Designed for spacious living & multigenerational living flexibility! This impressive golf-front Lake Monticello home offers generous square footage, separate garages (one 2-car garage above grade & one 2-car below grade) & a fully finished walkout terrace level with its own private entrance. A covered front porch & aggregate walkway welcome you thru double doors into a dramatic 2-story foyer with archway. Expansive living room features a vaulted ceiling & cozy gas fireplace, while thekitchen offers 42\" cabinetry, gas cooking & an adjoining breakfast room. Spacious dining room is highlighted by a vaulted ceiling & large palladian window. Main-level primary suite features a tray ceiling, backyard views, walk-in closet, bath with separate vanities, soaking tub & shower, plus conveniently located laundry room. Split-bedroom design provides privacy, with spacious guest rooms & a vaulted bedroom with palladian window also ideal for a home office. Downstairs terrace offers a 4th bedroom, family room, full bath, storage & 2nd garage. Enjoy a large screened porch, large deck, covered patio, fenced backyard & beautiful golf course views. 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