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13 Chatham Ln, Palmyra, VA 22963

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For Sale

$584,900

4 beds • 2 baths • 1 half baths • 2,112 sqft

Estimated Payment

$ 3,267 /mo. †

6.67% APR for 30 yrs.
$3,081 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $276.94
    Price per square foot

  • 41-50 Years Old
    Age

  • Basement
    Rooms

Explore this Property

OPEN SUNDAY 3/23, 1-4:00. SELLERS ARE WILLING TO NEGOTIATE. Buyers may be eligible for a reduced rate through preferred lender. Bring your best offer! Stunningly renovated Cape Cod home boasting 126 feet of lakefront views, located on a peaceful cove. This move-in ready home has been upgraded throughout, featuring an updated kitchen and bathrooms, new stainless appliances, new flooring, fresh paint, modern lighting, and energy-efficient windows and sliding doors. Outdoor upgrades include new concrete steps to the dock and all-new dock decking. The main level offers a master suite with an ensuite bath, including a double vanity and large walk-in closet. The partially finished basement provides a spacious bedroom or optional family room, laundry area, bath rough-in, and a large workshop. Quick closing possible! Don't miss out on this rare opportunity to enjoy year-round lakefront living or the perfect getaway home!
MLS# 657274

Courtesy Of PLB2 Inc.

(434) 974-1500

Open Houses

March

30

Sunday

In Person

Sunday, March 30, 2025

1:00PM - 4:00PM

Property Features

  • Age
    41-50 Years Old
  • Architecture Style
    Cape Cod
  • Cooling System
    Central A/C, Heat Pumps
  • Fireplace
    Fireplace
  • Floor Covering
    Carpet, Vinyl
  • Heating System
    Central Furnace, Fireplace, Forced Air, Heat Pump
  • Lot Size
    0.49 Acres
  • Rooms
    Basement, Family Room, Kitchen, Living Room
  • View Type
    Water

Map and Directions

Directions to 13 Chatham Ln, Palmyra, VA 22963

Home seller CENTURY 21 Redwood Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Redwood Realty

(703) 790-1850
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $3,010
  • Property Taxes
    $256
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,267

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Central Elementary School

Grades 1-2 Public School

Palmyra, VA 22963 6 miles
3340 central plains rd

405 total students
13:1 Student teacher ratio

School Details

Carysbrook Elementary School

Grades 3-4 Public School

Fork Union, VA 23055 7.2 miles
9172 james madison hwy

440 total students
15:1 Student teacher ratio

School Rating: B-

School Details

Fluvanna Middle School

Grades 5-7 Public School

Palmyra, VA 22963 5.9 miles
3717 central plains rd

788 total students
15:1 Student teacher ratio

School Rating: C

School Details

West Central Primary School

Grades PK-KG Public School

Palmyra, VA 22963 6 miles
3340 central plains rd

209 total students
12:1 Student teacher ratio

School Details

Fluvanna County High School

Grades 8-12 Public School

Palmyra, VA 22963 2.5 miles
1918 thomas jefferson pkwy

1455 total students
14:1 Student teacher ratio

School Rating: C+

School Details
Other Nearby Schools Distance Type Grades School Rating
Blue Ridge Governor's School 3.1 miles Public UG
Project Return/fluvanna County 3.1 miles Public UG
Oakland School 3.2 miles Private UG
Effort Christian School And Preschool 3.5 miles Private KG-5
Lafayette School 5.9 miles Private 5-11

Blue Ridge Governor's School

Distance: 3.1 miles

Type Public

Grades: UG

Project Return/fluvanna County

Distance: 3.1 miles

Type Public

Grades: UG

Oakland School

Distance: 3.2 miles

Type Private

Grades: UG

Effort Christian School And Preschool

Distance: 3.5 miles

Type Private

Grades: KG-5

Lafayette School

Distance: 5.9 miles

Type Private

Grades: 5-11

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Palmyra, VA 22963

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Palmyra, VA 22963

This community’s employment is highest in the construction and food industries. The area’s overall household expenses are above the national average.

88° July
Hottest Average Month
25° January
Coldest Average Month
7,027 Total Households in Area
4.7% Increase in population since the year 2010
35.7%
of households
have children
30 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Palmyra, VA 22963

Palmyra, VA 22963 has a population of 17,637 people in 7,027 households with a median age of 44.4 years old.

4.7%
Increase in population
since the year 2010
Population is Trending up
6,658
Total households as of 2010
5.8%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 44.4 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 78%
Black 11%
Hispanic 4%
Other 2%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 78%, followed by Black at 11%, Hispanic at 4%, and Other at 2%.

Economics
for Palmyra, VA 22963

146 /sq mi
Population Density
$90,814 /yr
Median Household Income
$315,000
Median Sales Price
30 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $75-99,999k representing 18.44% of the households.

Transportation to Work

  • Drive 81%
  • Work from Home 15%
  • Walk or Bike 3%
  • Public Transit 1%

Occupancy by Type

Owned 6,283 83%
Rented 744 10%
Vacant 524 7%

White vs Blue Collar Jobs







White Collar 81%
Blue Collar 19%

Family & Education Facts
for Palmyra, VA 22963

44.4 Median Age

Average Household Size

2.5
persons per
household

59.6%

Married Households

Community Population By Education

Bachelors Degree 27%
Some College 25%
High School Graduate 19%
Graduate Degree 17%
Associates Degree 9%
Some High School 3%
Of the total people surveyed, the most prevalent educational attainment level is Bachelors Degree, representing 27.02% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
35.7% of households have children

Weather
for Palmyra, VA 22963

The weather for this area ranges from a high of 88° F in July to a low of 25° F in January

88° July
Hottest Average Month
25° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
25°
46°
Feb
27°
50°
Mar
34°
59°
Apr
42°
69°
May
52°
77°
Jun
60°
84°
Jul
65°
88°
Aug
63°
86°
Sep
56°
80°
Oct
44°
70°
Nov
35°
60°
Dec
27°
49°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Charlottesville Area Association of REALTORS&#174;. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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