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AUCTION TERMS: Sold via online auction on the listing brokerage's website. List price does not reflect final sale price. Sold as-is, where-is. 10% buyer's premium added to high bid. Sale subject to seller confirmation. Auction ends July 24 @ 2PM. GATED LAKE MONTICELLO POOL HOME ON 1.18± ACRES "” 3 ELM CT, PALMYRA, VA AUCTION RESERVE IS PRICED WITH REPAIRS IN MIND. 5 Bed | 4 Bath | 3,370± SF + Finished Basement | Saltwater Pool | 1.18± Acre Lot A rare find in one of Central Virginia's premier gated lake communities: a spacious, structurally sound home with a saltwater pool, an oversized lot, and room to grow "” priced to sell with updates factored into the Reserve. Live in it now, upgrade on your terms. On public water/sewer, low-risk flood zone. Roof, HVAC, and water heater are near end of life and reflected in pricing "” buy right and capture the equity yourself instead of paying a flipper's markup. STANDOUT FEATURES: In-ground saltwater pool (792± SF), pump ~5 years old - 1.18± acre lot "” nearly double neighboring parcels- Two decks (626± & 528± SF), covered porch, storage shed- 3,370± SF finished living space plus 778± SF finished basement- Heat pump w/ central air, block foundation, composition roof- LAKE MONTICELLO LIFESTYLE: Gated, privately patrolled community on a 350-acre lake with 5 beaches, marina, boat launches/slips. 18-hole golf course & Fairway Clubhouse, Ashlawn Clubhouse pool, pickleball, tennis, basketball, playgrounds, walking trails, and The Bistro dining "” all for ~$1,200/yr HOA. Zoned for Fluvanna County Schools (B+ Niche rating). ~15 miles / 30 min to Charlottesville & UVA. IDEAL FOR: Investors, flippers, contractors, owner-occupants, and 203(k)/renovation-loan buyers seeking more house, more land, and more amenities in a community people pay to join. RealAVMâ„¢ $582,300 | Confidence Score 93 | Range $542,200-$622,300 | As of 06/08/2026
| DAYS ON MARKET | 6 | LAST UPDATED | 7/6/2026 |
|---|---|---|---|
| TRACT | Lake Monticello | YEAR BUILT | 1988 |
| COMMUNITY | 228 - Fluvanna | GARAGE SPACES | 2.0 |
| COUNTY | Fluvanna | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Cunningham |
|---|---|
| Jr. High School | Fluvanna |
| High School | Fluvanna |
| ADDITIONAL DETAILS | |
| AIR | Attic Fan, Ceiling Fan(s), Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| AMENITIES | Snow Removal, Trash, Water |
| APPLIANCES | Cooktop, Dishwasher, Dryer, Electric Water Heater, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer |
| AREA | 228 - Fluvanna |
| BASEMENT | Finished, Yes |
| CONSTRUCTION | Block, Concrete, Plaster, Wood Siding |
| EXTERIOR | Balcony, Lighting, Storage |
| GARAGE | Yes |
| HEAT | Electric, Forced Air |
| HOA DUES | 1200|Annually |
| INTERIOR | Bookcases, Built-in Features, Ceiling Fan(s), Double Vanity, Eat-in Kitchen, Granite Counters, Master Downstairs |
| LOT | 1.178 acre(s) |
| LOT DESCRIPTION | Cul-De-Sac |
| PARKING | Attached, Direct Access, Driveway, Garage, Garage Door Opener, Oversized, Paved, Workshop in Garage, Boat, RV Access/Parking |
| POOL DESCRIPTION | Fenced, In Ground, None, Community, Gunite |
| SEWER | Public Sewer |
| STORIES | 2 |
| STYLE | A Frame, Two Story |
| SUBDIVISION | Lake Monticello |
| TAXES | 3533.36 |
| WATER | Public |
| ZONING | R-4 |
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Last Updated: 7/12/26 5:47 AM PDT
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