OFF MARKET

Off Market Aug 2025 for $424K

$413,094

Est. refi paymentEst. refi $3,219/mo

•

2,395

sq ft

20 Zephyr Rd, Palmyra, VA 22963

About this home

PRICE IMPROVEMENT!! Well-maintained 4-bedroom, 2.5-bath home located in the amenity-rich Lake Monticello community! This spacious home offers nearly 2,400 sq ft of living space on a level lot just minutes from the beach, pool, tennis courts, and more. The main level features a bright living room, dining area, and updated kitchen with butcher block countertops, newer appliances, and a breakfast island. The oversized fourth bedroom offers flexible space for a bonus room, office, or guest suite. The owner’s suite includes a walk-in closet and ensuite bath with double vanities and tile walk in shower plus soaker tub. Enjoy outdoor living on the covered front porch or large back deck. Additional features include fresh interior paint, a 2-car garage, and convenient access to shopping and dining. Don’t miss the opportunity to live in one of Central Virginia’s most desirable lake communities

Single-familyProperty Type

2006Year Built

0.34 acresLot Size

$172Est. Price/Sq.Ft.

2 car garageParking

Listed by CHRISTY BECK • LONG & FOSTER - LAKE MONTICELLO

Listed by THE GUNNELS GROUP • LONG & FOSTER - LAKE MONTICELLO

Redfin checked: a few seconds ago

•Source:CAAR #652794

Redfin Estimate

$413,094

$12K since sold in August 2025$2,000 since July

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 3.2% higher than the average sale price ($400K) of 6 comparable homes.

SOLD BY REDFIN MAY 19, 2026
$368,000
A
4 beds2.5 baths2,254 sq ft
4 Highland Rd, Palmyra, VA 22963
SOLD JUL 17, 2026
$346,650
B
5 beds2.5 baths2,521 sq ft
29 Cliftwood Rd, Palmyra, VA 22963
SOLD AUG 7, 2026
$467,000
C
4 beds2.5 baths2,522 sq ft
459 Jefferson Dr, Palmyra, VA 22963
SOLD JUL 29, 2026
$446,000
D
4 beds2.5 baths2,320 sq ft
5 Campbell Ct, Palmyra, VA 22963
SOLD FEB 24, 2026
$400,000
E
4 beds2.5 baths2,466 sq ft
4 Xebec Rd, Palmyra, VA 22963
SOLD JUL 30, 2026
$375,000
F
3 beds2.5 baths2,704 sq ft
296 Jefferson Dr, Palmyra, VA 22963

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Earn from this home

Sell

$53,298

Est. take-home

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Refinance

Est. cash available

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Rent

$2,440/mo

Redfin rental estimate

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Market trends in 22963, VA

Last updated July 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

99.2%

0.1% MoM

Median sale price

$366K

$6K MoM

Avg. days on market

32d

4 days MoM

Recently sold homes

101

16 MoM

New listings for sale

COMING SOON
$489,900
3 beds2.5 baths2,634 sq ft
9 Oak Terrace Dr, Palmyra, VA 22963
OPEN TODAY, 12PM TO 2PM
$389,900
3 beds3 baths1,872 sq ft
26 East Point Rd, Palmyra, VA 22963
$359,900
3 beds2 baths1,338 sq ft
129 Virginia Ave, Palmyra, VA 22963
OPEN TODAY, 2PM TO 4PM
$394,900
3 beds2 baths1,736 sq ft
99 Park Dr, Palmyra, VA 22963
$199,000
3 beds2.5 baths1,404 sq ft
6 Oak Grove Rd, Palmyra, VA 22963
$387,000
3 beds2 baths1,782 sq ft
3 Maplevale Dr, Palmyra, VA 22963
OPEN TODAY, 1PM TO 3PM
$495,000
4 beds2.5 baths2,397 sq ft
142 Island Hill Rd, Palmyra, VA 22963
$497,900
4 beds3 baths3,248 sq ft
33 Hardwood Rd, Palmyra, VA 22963
$325,000
4 beds3 baths2,592 sq ft
54 Woodlawn Dr, Palmyra, VA 22963
$269,000
3 beds1 bath960 sq ft
681 Franklin Ln, Palmyra, VA 22963
See all

Provided by Redfin

Redfin agents who toured

Huge living room and the house has been updated recently. Good outdoor space as well.
1 year ago• May not reflect the current state of the home
Matt White
Redfin Premier agent

Sale history for 20 Zephyr Rd

Date

Event

Price

CAAR #652794

Aug 28, 2025

Sold

$424,900

$177/sq ft

Jul 16, 2025

Price Changed

$424,900

$177/sq ft

Jun 6, 2025

Relisted

—

Jun 1, 2025

Contingent

—

Apr 23, 2025

Price Changed

$429,900

$179/sq ft

Apr 2, 2025

Price Changed

$434,900

$182/sq ft

Mar 17, 2025

Relisted

—

May 10, 2024

Listed

$439,900

$184/sq ft

CAAR #624535

Jan 17, 2022

Listing Removed

—

Nov 25, 2021

Listed

$355,000

$148/sq ft

+29

Updated, renovated, sun drenched home at amenity-filled Lake Monticello. This one is a true must see! Updated top to bottom, you're sure to be impressed by the chef's kitchen with new butcher block countertops, breakfast bar, subway tile backsplash, farmhouse sink, double door pantry closet and stainless appliances. Bayed breakfast area opens to a nice size deck ideal for entertaining and steps down to a level user-friendly yard. Generously sized family room with custom built-ins surrounds a gas fireplace. Formal dining room. Sun drenched two story foyer with palladium window. Updated baths including a luxury owners suite bath: dual sinks, soaker tub with tile surround and floor to ceiling tiled walk-in shower with frameless glass door - A TRUE WOW! New bedroom carpeting. New hardwood flooring in the upper level hall and master suite complete with vaulted ceiling and walk-in closet. Plenty of storage including a 16x12 storage shed out back and a two-car garage with built-in shelving. New dual zone HVAC systems. Welcome home!

Public Records

Jul 22, 2016

Sold

$238,500

$100/sq ft

CAAR #547723

May 25, 2016

Listed

$238,500

$100/sq ft

CAAR #540140

Jun 2, 2016

Listing Removed

—

Nov 25, 2015

Listed

$239,900

$100/sq ft

CAAR #474259

Sep 4, 2010

Listing Removed

—

Mar 4, 2010

Listed

$279,900

$117/sq ft

CAAR #419336

Nov 15, 2005

Listed

$304,900

$127/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$2,960 (+9.3%)

$30,000 + $364,700

$394,700

2024

$2,708

$30,000 + $364,700

$394,700

2023

$2,708 (+14.4%)

$30,000 + $290,800

$320,800

2022

$2,366 (−1.6%)

$30,000 + $290,800

$320,800

2021

$2,404 (+3.5%)

$27,500 + $244,500

$272,000

2020

$2,324

$27,500 + $244,500

$272,000

2019

$2,324 (+7.6%)

$27,500 + $223,700

$251,200

2018

$2,160

$27,500 + $210,700

$238,200

2017

$2,160 (+2.4%)

$27,500 + $210,700

$238,200

2016

$2,109 (+7.7%)

$27,500 + $202,500

$230,000

2014

$1,958

$27,500 + $195,000

$222,500

Tax history for 20 Zephyr Rd

Year

Property tax

Land + Additions

Assessment*

2025

$2,960 (+9.3%)

$30,000 + $364,700

$394,700

2024

$2,708

$30,000 + $364,700

$394,700

2023

$2,708 (+14.4%)

$30,000 + $290,800

$320,800

2022

$2,366 (−1.6%)

$30,000 + $290,800

$320,800

2021

$2,404 (+3.5%)

$27,500 + $244,500

$272,000

2020

$2,324

$27,500 + $244,500

$272,000

2019

$2,324 (+7.6%)

$27,500 + $223,700

$251,200

2018

$2,160

$27,500 + $210,700

$238,200

2017

$2,160 (+2.4%)

$27,500 + $210,700

$238,200

2016

$2,109 (+7.7%)

$27,500 + $202,500

$230,000

2014

$1,958

$27,500 + $195,000

$222,500

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

Baths

2.5

Stories

Lot width

—

Lot depth

—

Lot size

0.34 Acres

Year renovated

2012

Sq. Ft.

2,395

Year built

2006

Style

Single Family Residential

County

Fluvanna County

APN

18/A/8//373///

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 20, 2026.

Property details

Parking

Garage Information
Has Garage
AttachedGarageYN: Yes
Garage Spaces: 2

Parking Information
Parking Features: Attached, Garage Faces Front, Garage

Interior

Virtual Tour Information

Bathroom Information
# of Bathrooms (Full): 2
# of Bathrooms (1/2): 1
# of Main Level Bathrooms: 1
# of Bathrooms (Total Integer): 3

Room 1 Information
Type: Laundry
Level: First

Room 2 Information
Type: Living Room
Level: First

Room 3 Information
Type: Kitchen
Level: First

Room 4 Information
Type: Half Bath
Level: First

Room 5 Information
Type: Bathroom
Level: Second

Room 6 Information
Type: Primary Bathroom
Level: Second

Room 7 Information
Type: Primary Bedroom
Level: Second

Room 8 Information
Type: Bonus Room
Level: Second

Room 9 Information
Type: Dining Room
Level: First

Room 10 Information
Type: Bedroom
Level: Second

Fireplace Information
Has Fireplace
Fireplace Features: Gas, Gas Log

Interior Features
Appliances: Dishwasher, Electric Cooktop, Electric Range, Microwave, Refrigerator
Flooring: Carpet, Hardwood
Interior Features: Eat-in Kitchen, Kitchen Island, Recessed Lighting
Laundry Features: Washer Hookup, Dryer Hookup

Exterior

Building Information
Building Area Total: 2,875
Foundation Details: Block
Construction Materials: Stick Built, Vinyl Siding

Exterior Features
Patio And Porch Features: Deck, Front Porch, Porch

Pool Information
Pool Features: Community, Pool, Association

Property Information
Property Sub Type: Detached
Property Sub Type Additional: Detached
PropertyAttachedYN: No
Levels: Two
Security Features: Surveillance System
Above Grade Finished Area: 2,395
AboveGradeFinishedAreaUnits: Square Feet
AboveGradeFinishedAreaSource: Public Records
Above Grade Unfinished Area Source: Public Records
BelowGradeFinishedAreaUnits: Square Feet
BelowGradeFinishedAreaSource: Public Records
Below Grade Unfinished Area Source: Public Records

Lot Information
Lot Size Acres: 0.34
Lot Features: Native Plants

Financial

Tax Information
Tax Annual Amount: $2,707.55
Parcel Number: 18A 8 373
Tax Year: 2022

Utilities

Utility Information
Utilities: Cable Available, Fiber Optic Available, Satellite Internet Available
Sewer: Public Sewer
Water Source: Public

Heating & Cooling
Has Cooling
Cooling: Heat Pump
Has Heating
Heating: Heat Pump

Location

HOA Information
Has Association
Association Fee: $100
Association Fee Frequency: Monthly
Association Fee Includes: Boat Ramp, Clubhouse, Gas, Golf, Playground, Pool(s), Road Maintenance, Snow Removal, Security, Tennis Courts, Trash
Association Amenities: Basketball Court, Boat Dock, Boat Ramp, Pool, Sports Fields, Tennis Court(s), Water, Beach Rights, Dock

School Information
Elementary School: Central (Fluvanna)
Middle Or Junior School: Fluvanna
High School: Fluvanna

Location Information
Unparsed Address: 20 ZEPHYR RD
Directions: From the main gate of lake Monticello right on Jefferson Dr. left on Nahor Dr. left on Zephyer Rd. Home will be on the left.

Community Information
Community Features: Pool

Public facts

Beds: 4
Baths: 2.5
Sq. Ft.: 2,395
Stories: 2.0
Lot Size: 0.34 acres
Style: Single Family Residential
Year Built: 2006
Year Renovated: 2012
County: Fluvanna County
APN: 18/A/8//373///

Home facts updated by county records on Aug 20, 2026

Around this home

Schools

West Central Primary School

Public PreK-K • Assigned • 7.1mi

Fluvanna County High School

Public 8-12 • Assigned • 3.3mi

5/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

2/10 Fire Factor

0.00% chance of being in a wildfire in next 30 years

6/10 Heat Factor

7 days above 104° expected this year, 17 days in 30 years

3/10 Wind Factor

5% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Palmyra, VA • 22963

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.4 hours in June and 4.5 hours in December, which is comparable to the U.S. average for solar exposure.

9.4 hrs

4.5 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$393,000 – $476,000

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New listings for sale in 22963

COMING SOON

$489,900

3 beds2.5 baths2,634 sq ft

9 Oak Terrace Dr, Palmyra, VA 22963

OPEN TODAY, 12PM TO 2PM

$389,900

3 beds3 baths1,872 sq ft

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OPEN TODAY, 2PM TO 4PM

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OPEN TODAY, 1PM TO 3PM

$495,000

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142 Island Hill Rd, Palmyra, VA 22963

$497,900

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$325,000

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Home values near 20 Zephyr Rd

Data from public records.

Address	Redfin Estimate
15 Zephyr Road, Palmyra, VA 3 Beds \| 2.5 Baths \| 1400 Sq. Ft.	$328,108
23 Zephyr Road, Palmyra, VA 3 Beds \| 2 Baths \| 1522 Sq. Ft.	$348,680

Address	Redfin Estimate
17 Zephyr Road, Palmyra, VA 4 Beds \| 2.5 Baths \| 1920 Sq. Ft.	$374,280
21 Zephyr Road, Palmyra, VA 3 Beds \| 2 Baths \| 1040 Sq. Ft.	$280,541

Address	Redfin Estimate
22 Zephyr Road, Palmyra, VA 3 Beds \| 2.5 Baths \| 1718 Sq. Ft.	$341,526
19 Zephyr Road, Palmyra, VA 3 Beds \| 2 Baths \| 1296 Sq. Ft.	$323,530

Property information provided by CAAR when last listed in 2024. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 22963, VA

Redfin agents who toured

Sale history for 20 Zephyr Rd

Tax history for 20 Zephyr Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 22963

Home values near 20 Zephyr Rd

More real estate resources