OFF MARKET

Off Market Oct 2021 for $739K

$854,852

Est. refi paymentEst. refi $3,373/mo

•

4,127

sq ft

40 Xebec Rd, Palmyra, VA 22963

About this home

Impeccably Maintained Property with an Absolutely Magical Storybook Setting on an Oversized . 77 Acre Lot. Dynamite formal dining with stunning set of windows featuring lakeside views, vaulted ceiling, exposed beams, built-ins. Custom double-sided fireplace with gorgeous brick hearth leading into the ultra relaxing living room with vaulted ceiling, skylights, solid hardwood floors & beautiful natural light. Gourmet kitchen with granite counters, breakfast bar, ss appliances, induction oven & convection microwave. Lovely main level master suite with beautiful sitting room/office, hardwood floors, separate vanities, oversized soaking tub, walk-in closet. 2nd story cat walk to the loft, guest quarters & sitting nook. Spread out in the terrace level with an expansive family room with fireplace, wet bar, playroom, storage & guest quarters. Plus sliders lead to the screened porch. Terrace level guest quarters with 2nd master suite, an additional guest bedroom, 1.5 baths. Enjoy one of the most private waterfront lots at the lake adjacent to 7+ acres owned by LMOA. Plus numerous outcroppings, fenced garden, irrigation. Loaded with gorgeous landscape & lush grassy spaces. Covered porch & deck too. An absolute must see!

Single-familyProperty Type

2002Year Built

0.73 acresLot Size

$207Est. Price/Sq.Ft.

2 car garageParking

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

Bought with KATHERINE MURPHY • HERITAGE REAL ESTATE CO.

Redfin checked: 2 minutes ago

•Source:CAAR #621779

Redfin Estimate

$854,852

$115K since sold in October 2021$0 since July

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 65.2% higher than the average sale price ($517K) of 6 comparable homes.

SOLD JUN 23, 2026
$850,000
A
5 beds3.5 baths2,942 sq ft
9 Vine Ridge Dr, Palmyra, VA 22963
SOLD JUL 17, 2026
$346,650
B
5 beds2.5 baths2,521 sq ft
29 Cliftwood Rd, Palmyra, VA 22963
SOLD APR 20, 2026
$651,000
C
5 beds4.5 baths4,529 sq ft
25 Acre Ln, Palmyra, VA 22963
SOLD JUL 22, 2026
$432,000
D
4 beds2.5 baths2,230 sq ft
279 Jefferson Dr, Palmyra, VA 22963
SOLD AUG 6, 2026
$375,000
E
4 beds3 baths2,091 sq ft
15 Blackwood Ln, Palmyra, VA 22963
SOLD FEB 9, 2026
$450,000
F
5 beds3.5 baths3,600 sq ft
80 Ponderosa Ln, Palmyra, VA 22963

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Earn from this home

Sell

$267,699

Est. take-home

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Refinance

Est. cash available

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Rent

$3,042/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

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See all

Provided by Redfin

Sale history for 40 Xebec Rd

Date

Event

Price

CAAR #621779

Sep 2, 2021

Listed

$739,900

$179/sq ft

CVRMLS #2826316

Sep 12, 2008

Sold

$530,000

$128/sq ft

Jul 22, 2008

Listed

$575,000

$139/sq ft

CVRMLS #OLD2826316

Sep 12, 2008

Sold

$530,000

$128/sq ft

Jul 22, 2008

Listed

$575,000

$139/sq ft

Gorgeous Waterfront Home on large lot level to water! One of the newer waterfront homes on the market! This 4BR/3.5BA home also backs to a 7 acre reserve area in Lake Monticello. First Floor Master Suite with waterviews and attached master bath. Great Room with vaulted ceiling, stone fireplace and skylights. Hardwood floors throughout main level. Bright Kitchen with breakfast bar, recessed lights & tons of cabinetry. Two additional bedrooms, full bath & loft on second level. Full length rear deck with screend in porch area for relaxing. Finished, walk-out terrace level with bedroom & bath (perfect for an in-law suite).

CAAR #455776

Jul 22, 2008

Listed

$575,000

$139/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$6,068 (+13.4%)

$145,000 + $664,000

$809,000

2024

$5,348

$145,000 + $664,000

$809,000

2023

$5,348 (+16.2%)

$145,000 + $488,700

$633,700

2022

$4,602 (−1.6%)

$145,000 + $488,700

$633,700

2021

$4,676 (−7.4%)

$145,000 + $384,000

$529,000

2020

$5,049

$145,000 + $384,000

$529,000

2019

$5,049 (+4.2%)

$182,500 + $363,300

$545,800

2018

$4,845

$182,500 + $351,700

$534,200

2017

$4,845 (+10.9%)

$182,500 + $351,700

$534,200

2016

$4,370 (+5.8%)

$162,500 + $314,100

$476,600

2014

$4,129

$162,500 + $306,800

$469,300

Tax history for 40 Xebec Rd

Year

Property tax

Land + Additions

Assessment*

2025

$6,068 (+13.4%)

$145,000 + $664,000

$809,000

2024

$5,348

$145,000 + $664,000

$809,000

2023

$5,348 (+16.2%)

$145,000 + $488,700

$633,700

2022

$4,602 (−1.6%)

$145,000 + $488,700

$633,700

2021

$4,676 (−7.4%)

$145,000 + $384,000

$529,000

2020

$5,049

$145,000 + $384,000

$529,000

2019

$5,049 (+4.2%)

$182,500 + $363,300

$545,800

2018

$4,845

$182,500 + $351,700

$534,200

2017

$4,845 (+10.9%)

$182,500 + $351,700

$534,200

2016

$4,370 (+5.8%)

$162,500 + $314,100

$476,600

2014

$4,129

$162,500 + $306,800

$469,300

*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

Stories

1.5

Lot width

—

Lot depth

—

Lot size

0.73 Acres

Year renovated

2009

Sq. Ft.

4,127

Year built

2002

Style

Single Family Residential

County

Fluvanna County

APN

18/A/12//56///

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, Garage Faces Side

Interior

Bathroom Information
# of Bathrooms (Full): 3
# of Bathrooms (1/2): 2
# of Main Level Bathrooms: 2
# of Bathrooms (Total Integer): 4

Bedroom Information
# of Main Level Bedrooms: 1

Room 1 Information
Type: Living Room
Level: First

Room 2 Information
Type: Loft
Level: Second

Room 3 Information
Type: Laundry
Level: First

Room 4 Information
Type: Primary Bedroom
Level: First

Room 5 Information
Type: Kitchen
Level: First

Room 6 Information
Type: Half Bath
Level: Basement

Room 7 Information
Type: Bathroom
Level: Second

Room 8 Information
Type: Dining Room
Level: First

Room 9 Information
Type: Bedroom
Level: Basement

Room 10 Information
Type: Foyer
Level: First

Room 11 Information
Level: Basement

Room 12 Information
Type: Bathroom
Level: Basement

Room 13 Information
Level: First

Room 14 Information
Type: Primary Bathroom
Level: First

Room 15 Information
Type: Half Bath
Level: First

Room 16 Information
Type: Family Room
Level: Basement

Room 17 Information
Type: Bedroom
Level: Second

Room 18 Information
Type: Other
Level: Basement

Room 19 Information
Type: Sunroom
Level: First

Basement Information
Has Basement
Basement: Exterior Entry, Full, Finished, Heated, Interior Entry, Walk-Out Access

Fireplace Information
Has Fireplace
# of Fireplaces (Total): 2
Fireplace Features: Two, Gas, Glass Doors

Interior Features
Appliances: Convection Oven, Dishwasher, Disposal, Microwave, Refrigerator, Dryer, Washer
Flooring: Hardwood
Interior Features: Double Vanity, Primary Downstairs, Multiple Primary Suites, Sitting Area in Primary, Walk-In Closet(s), Breakfast Bar, Breakfast Area, Entrance Foyer, Home Office, Loft, Vaulted Ceiling(s)
Laundry Features: Washer Hookup, Dryer Hookup

Exterior

Building Information
Building Area Total: 4,674
Foundation Details: Block
Construction Materials: Stick Built, Vinyl Siding

Exterior Features
Exterior Features: Porch
Roof: Architectural
Patio And Porch Features: Deck, Front Porch, Patio, Porch, Screened

Pool Information
Pool Features: Association

Property Information
Property Sub Type: Detached
Property Sub Type Additional: Detached
PropertyAttachedYN: No
Levels: One and One Half
Security Features: Gated Community
Above Grade Finished Area: 2,806
AboveGradeFinishedAreaUnits: Square Feet
Below Grade Finished Area: 1,321
BelowGradeFinishedAreaUnits: Square Feet
Below Grade Unfinished Area: 147

Lot Information
Lot Size Acres: 0.73
Lot Features: Native Plants
Zoning: R-4 Residential

Financial

Tax Information
Tax Annual Amount: $4,676
Parcel Number: 18A 12 56
Tax Year: 2021

Utilities

Utility Information
Utilities: Cable Available, Propane
Sewer: Public Sewer
Water Source: Public
Electric: Underground

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

Location

HOA Information
Has Association
Association Fee: $92
Association Fee Frequency: Monthly
Association Fee Includes: Boat Ramp, Playground, Reserve Fund, Road Maintenance, Snow Removal, Tennis Courts, Trash
Association Amenities: Basketball Court, Boat Dock, Boat Ramp, Clubhouse, Golf Course, Meeting Room, Meeting/Banquet/Party Room, Picnic Area, Playground, 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: 40 XEBEC RD
Directions: Enter Lake Monticello main gate, right on Jefferson, left on Northwood, left on Jefferson, left on Nahor, left on Xebec, property is on the left.

Community Information
Community Features: Pond, Gated

Public facts

Beds: 5
Baths: 3.0
Sq. Ft.: 4,127
Stories: 1.5
Lot Size: 0.73 acres
Style: Single Family Residential
Year Built: 2002
Year Renovated: 2009
County: Fluvanna County
APN: 18/A/12//56///

Home facts updated by county records on Aug 20, 2026

Around this home

Schools

West Central Primary School

Public PreK-K • Assigned • 6.9mi

Fluvanna County High School

Public 8-12 • Assigned • 3.1mi

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

1/10 Fire Factor

Unlikely to be 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

$813,000 – $984,000

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Home values near 40 Xebec Rd

Data from public records.

Address	Redfin Estimate
31 Xebec Rd, Palmyra, VA 3 Beds \| 1.5 Baths \| 960 Sq. Ft.	$244,170
35 Xebec Rd, Palmyra, VA 3 Beds \| 2.5 Baths \| 1660 Sq. Ft.	$346,041

Address	Redfin Estimate
39 Xebec Rd, Palmyra, VA 4 Beds \| 2.5 Baths \| 2453 Sq. Ft.	$466,258
34 Xebec Rd, Palmyra, VA 4 Beds \| 2.5 Baths \| 1792 Sq. Ft.	$384,355

Address	Redfin Estimate
38 Xebec Rd, Palmyra, VA 4 Beds \| 3.5 Baths \| 4236 Sq. Ft.	$498,806
36 Xebec Rd, Palmyra, VA 4 Beds \| 2.5 Baths \| 2136 Sq. Ft.	$388,757

Property information provided by CAAR when last listed in 2021. 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

Sale history for 40 Xebec Rd

Tax history for 40 Xebec 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 40 Xebec Rd

More real estate resources