3 Elm Ct, Palmyra, VA 22963
Property image
Property image
FOR SALE
3D VIEW
1.18 ACRES

$385,000

Original price: $226,000
  • 5 Beds
  • 3.5 Baths
  • 3,370 sqft (on 1.18 acres)

3 Elm Ct, Palmyra, VA 22963

Est. Mortgage $2,359/mo*
Get Pre-Qualified
We estimate this home will sell faster than 94% nearby.

Home Highlights

Single-Family Home
Built in 1988
1.18 acre lot
$114/sqft
2 Car Garage
HOA $100/mo

Local Information

  • Map ViewExplore the area around 3 Elm Ct.
  • Schools2 Preschool Schools4 Elementary Schools2 Middle Schools1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

GATED LAKE MONTICELLO POOL HOME ON 1.18± ACRES — 3 ELM CT, PALMYRA, VA

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.
RealAVM™ $582,300 | Confidence Score 93 | Range $542,200–$622,300 | As of 06/08/2026
Last check for updates: about 9 hours ago
Listing courtesy of Tim Dudley, (757) 288-1854
Dudley Resources, (804) 709-1954
Philip Bonnie, (757) 651-1729
Dudley Resources, (804) 709-1954
Originating MLS: Central Virginia Regional MLS
Source: CVRMLS, MLS#2618384
Also Listed on CVRMLS, My State MLS.
We estimate this home will sell faster than 94% nearby.

Home Details for 3 Elm Ct

Interior Features

Interior Details
Basement: Finished,Garage Access,HeatedNumber of Rooms: 11Types of Rooms: Full Bath, Half Bath
Beds & Baths
Number of Bedrooms: 5Number of Bathrooms: 4Number of Bathrooms (full): 3Number of Bathrooms (half): 1
Dimensions and Layout
Living Area: 3370 Square Feet
Appliances & Utilities
Appliances: Cooktop, Dryer, Dishwasher, Electric Water Heater, Freezer, Ice Maker, Microwave, Range, Refrigerator, Stove, WasherDishwasherDryerMicrowaveRefrigeratorWasher
Heating & Cooling
Heating: Electric,Forced AirHas CoolingAir Conditioning: Central Air,Attic FanHas HeatingHeating Fuel: Electric
Windows, Doors, Floors & Walls
Window: ScreensFlooring: Ceramic Tile, Partially Carpeted, Wood
Levels, Entrance, & Accessibility
Stories: 2Number of Stories: 2Levels: TwoFloors: Ceramic Tile, Partially Carpeted, Wood
Security
Security: Controlled Access, Gated Community, Smoke Detector(s), Security Guard

Exterior Features

Exterior Home Features
Roof: Composition ShinglePatio / Porch: Balcony, Rear Porch, Deck, PorchOther Structures: Shed(s)Exterior: Deck, Lighting, Porch, Storage, Shed, Paved Driveway
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Has a GarageHas an Attached GarageHas Open ParkingParking Spaces: 2Parking: Attached,Direct Access,Driveway,Garage,Garage Door Opener,Oversized,Paved,Workshop in Garage,Boat,RV Access/Parking
Pool
Pool: Concrete, Fenced, In Ground, None, Community
Frontage
Not on Waterfront
Water & Sewer
Sewer: Public Sewer
Finished Area
Finished Area (above surface): 2592 Square FeetFinished Area (below surface): 778 Square Feet

Days on Market

Days on Market: 68

Property Information

Year Built
Year Built: 1988
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: A-Frame,Two Story
Building
Construction Materials: Block, Drywall, Concrete, Plaster, Wood SidingNot a New ConstructionNot Attached Property
Property Information
Condition: ResaleParcel Number: 18A399

Price & Status

Price
List Price: $385,000Price Per Sqft: $114
Status Change & Dates
Possession Timing: Close Of Escrow

Active Status

MLS Status: Active

Media

Location

Direction & Address
City: PalmyraCommunity: Lake Monticello
School Information
Elementary School: CunninghamJr High / Middle School: FluvannaHigh School: Fluvanna

Agent Information

Listing Agent
Listing ID: 2618384

Community

Community Features: Beach, Boat Facilities, Clubhouse, Community Pool, Deck/Porch, Dock, Fitness, Golf, Gated, Lake, Marina, Pond, Pool, Trails/Paths

HOA

HOA Fee Includes: Clubhouse, Common Areas, Pool(s), Recreation Facilities, Road Maintenance, Snow Removal, Trash, Water, Water AccessAssociation for this Listing: Central Virginia Regional MLSHas an HOAHOA Fee: $1,200/Annually

Lot Information

Lot Area: 1.178 Acres

Business

Business Information
Ownership: Individuals

Miscellaneous

BasementMls Number: 2618384Living Area Range Units: Square FeetAttic: Access Only, ExpandableAbove Grade Unfinished Area: 2592Above Grade Unfinished Area Units: Square FeetBelow Grade Unfinished Area: 518Below Grade Unfinished Area Units: Square FeetUniversal Property Id: US-51065-N-18A399-R-N

Additional Information

HOA Amenities: Landscaping,ManagementDays On Market Replication: 22

Around this home

What Locals Say about Palmyra

At least 82 Trulia users voted on each feature.

  • 96 % Say car is needed

  • 89 % Say parking is easy

  • 87 % Say it's dog friendly

  • 84 % Say yards are well-kept

  • 83 % Say there's wildlife

  • 76 % Say there's holiday spirit

  • 75 % Say kids play outside

  • 75 % Say it's quiet

  • 58 % Say neighbors are friendly

  • 57 % Say people would walk alone at night

  • 54 % Say they plan to stay for at least 5 years

  • 29 % Say there are community events

  • 26 % Say it's walkable to restaurants

  • 24 % Say it's walkable to grocery stores

Sourced by Trulia users. Learn more about our methodology.
  • Jean Shore
    "We have a wonderful newcomers and old friends social club and a fantastic community. Great fun with boat parades (with water gun fights) and great themed car parades. "
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  • Trulia User
    "Not much diversity here but may improve with new developments. Also the jobs may be limited to Charlottesville and Richmond "
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    Flag
  • Vhillsr
    "Great community and wonderful people. This is the best community I’ve seen so far this region to start and grow a family. Truly a community to live work and play in and support the people in this community. "
    0
    Flag
  • Chris N.
    "Quiet neighborhood yet friendly folks. Great for families and retired. Convenient to stores and interstate. Surrounded by beautiful farms and parks. Peaceful "
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  • Edlawler
    "I have lived here full time for 6 years, part time for 32 years. It is a gated community with its own full time police force. This basically is a retirement community that evolved into a family friendly place to live. You are a walk/bike ride from everything you need."
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  • Althea B.
    "great place to live very convenient for our children we have gotten along great here ...... wonderful view and areas to have for the kids "
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  • Briana P.
    "Really great, safe area to raise your children and to grow your loving family. Lots of space to run and live freely, and the schools are pretty nice. "
    1
    Flag
  • Edlawler1
    "The good- It is a quiet, safe friendly place to live. The schools are just OK. There are three pharmacies. The bad- you have to drive everywhere. Internet availability is spotty. There are few local employers that pay a livable wage. "
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  • Gianni S.
    "You need a car to commute no public transportation. Everything is at least 20minutes the most in distance . "
    0
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  • Edlawler1
    "While there is a leash law, some owners ignore it. some of those dogs have had the cops called on them."
    0
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  • Mssrn2005
    "Many dog owners here and it is a dog friendly community with many parks open to dogs. People are walking dogs all throughout the day. "
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  • Lacrossegirl
    "There are no sidewalks, you have to use the side of the road to walk your dog. "
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  • Sheri E.
    "Lake Monticello...It’s quiet. I know two of my neighbors, one really well, the other just barely. There are lots of loose cats. Water is super expensive. The HOA can be intrusive. Parks are nice. No sidewalks, no street lights."
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  • Melissa S.
    "My commute is long, but you can get much more house for your money with decent schools in this area."
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  • Coeylee
    "We have rented in this area for the last 8 months, and the area is very peaceful, quaint, and the neighbors are very nice. We have enjoyed the beaches."
    1
    Flag
  • Michealashaw
    "The school systems in the area aren’t the best, but there’s a Montessori school about 25 minutes away that is absolutely lovely"
    0
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  • Liz m.
    "Lots of dog owners in the area. Very nice local dog park. Great pet store with very helpful employees. "
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  • Kbjafield
    "we have 5 beaches and tons of amenities. I love living here. nice quiet neighborhood and the people here are okay. "
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  • raul33025
    "trees and no crime close to tge lake monticello and major highways to connect to Richmond and other main attractions "
    0
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  • Pat P.
    "A wonderful neighborhood for all ages! Love it here! Come check it out for your selves. Lake, golf, pool."
    0
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  • raul33025
    " lived in the neighborhood for 3years and is ultra friendly and everyone look for the other. love it veey much"
    0
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  • Josh S.
    "Just the right distance between Charlottesville and Short Pump (Richmond)."
    0
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Market trends in Palmyra

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$364K
$24.32KMoM
Sale-to-List Price
100.0%
Price per sq ft
$197
$11MoM
Available listings
129
6MoM

Home Value

Trulia Estimate
$382K
Since last month
Decreased$500 (-0.1%)
Since last year
Decreased$103K (-21.2%)
Since last sale
Increased$242K (+173.5%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +26% in the last 10 years
MonthEstimated value
2026
August 2026$382K
July 2026$382K
June 2026$492K
May 2026$487K
April 2026$479K
March 2026$484K
February 2026$466K
January 2026$462K
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
8 Birch Ct, Palmyra, VA
0.10
Single-Family Home
$445,000
10/29/25
3
3
3,110
13 Axle Tree Rd, Palmyra, VA
0.16
Single-Family Home
$360,000
12/15/25
3
3
2,179
8 Horseback Ln, Palmyra, VA
0.05
Single-Family Home
$312,000
01/08/26
3
2.5
1,792
11 Horseback Ln, Palmyra, VA
0.11
Single-Family Home
$420,000
05/07/26
3
3.5
2,484
566 Justin Dr, Palmyra, VA
0.34
Single-Family Home
$420,000
05/22/26
4
2.5
2,382
16 E Point Rd, Palmyra, VA
0.24
Single-Family Home
$315,000
09/16/25
3
3
2,392
103 Riverside Dr, Palmyra, VA
0.40
Single-Family Home
$480,000
06/08/26
6
3.5
3,222
123 Sydney Way, Palmyra, VA
0.41
Single-Family Home
$454,000
05/21/26
3
2.5
2,982
70 Riverside Dr, Palmyra, VA
0.17
Single-Family Home
$384,000
05/22/26
3
2
1,976
205 Lexie Ln, Palmyra, VA
0.48
Single-Family Home
$590,000
11/18/25
5
2.5
3,940

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
8 Horseback Ln, Palmyra, VA 22963
0.05
$312,000
3
2.5
1,792
Recently Sold
8 Birch Ct, Palmyra, VA 22963
0.10
$438,900
3
3
3,110
Off Market
11 Horseback Ln, Palmyra, VA 22963
0.11
$420,000
3
3.5
2,484
Recently Sold
62 Riverside Dr, Palmyra, VA 22963
0.15
$366,700
3
2
1,671
Off Market
6 Axle Tree Rd, Palmyra, VA 22963
0.15
$330,100
3
2
1,260
Off Market
13 Horseback Ln, Palmyra, VA 22963
0.14
$389,900
4
3
2,810
For Sale
81 Jefferson Dr, Palmyra, VA 22963
0.17
$221,900
2
1.5
1,092
Off Market
56 Riverside Dr, Palmyra, VA 22963
0.17
$269,900
3
2
1,152
For Sale
13 Axle Tree Rd, Palmyra, VA 22963
0.16
$360,000
3
3
2,179
Recently Sold
4 E Point Rd, Palmyra, VA 22963
0.18
$46,000
-
-
-
Recently Sold
70 Riverside Dr, Palmyra, VA 22963
0.17
$384,000
3
2
1,976
Recently Sold

Price and Tax history

DateEventPrice
Jul 27, 2026
Source: CVRMLS #2618384
PriceChange
$385,000
Price increased by 70%
Jul 24, 2026
Source: CVRMLS #2618384
PriceChange
$226,000
Price increased by 22%
Jul 6, 2026
Source: CVRMLS #2618384
Listed For Sale
$185,000
Aug 1, 1996
Source: N/A
Sold
$139,500

LGBTQ Local Legal Protections

Tim Dudley, Dudley Resources, (804) 709-1954
Agent Phone: (757) 288-1854
All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are ©2026 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.

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Frequently asked questions about 3 Elm Ct

  • What is the estimated monthly payment for 3 Elm Ct?
    Based on a $385,000 list price with 20% down at today's rates, the estimated monthly payment for 3 Elm Ct in Palmyra, VA is approximately $2,352 (about $2,068 principal & interest, $209 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 3 Elm Ct compare to homes in Palmyra?
    3 Elm Ct in Palmyra, VA is listed at $385,000, about 6% above the $364K median sale price in Palmyra.
  • What do residents say about Palmyra?
    Residents describe Palmyra, VA as easy to park in, dog-friendly, and well-kept. Most residents say you need a car. See homes for sale in Palmyra, VA.
  • What are the closest schools to 3 Elm Ct?
    The closest schools to 3 Elm Ct in Palmyra, VA are Carrysbrook Elementary (rated 5/10), Central Elementary School (Pre-K, rated 5/10), Fluvanna County High School (Middle, rated 5/10).
  • Does 3 Elm Ct have air conditioning?
    Yes, 3 Elm Ct in Palmyra, VA has air conditioning.
  • Does 3 Elm Ct have a pool?
    Yes, 3 Elm Ct in Palmyra, VA has a pool.
3 Elm Ct, Palmyra, VA 22963 is a 5 bedroom, 4 bathroom, 3,370 sqft single-family home built in 1988. This property is currently available for sale and was listed by CVRMLS on Jul 6, 2026. The MLS # for this home is MLS# 2618384.