Fluvanna County Homes under $400,000

Fluvanna County Homes under $400,000

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Newest Fluvanna County Homes under $400,000

7 Loving Terrace, Palmyra
$384,999
3 Beds ⋅ 3 Baths ⋅ CVR-2627069 MLS
Don't miss this beautifully maintained home in Lake Monticello! Filled with natural light, the thoughtfully designed main level features an open-concept layout that seamlessly connects the spacious living room with a gas fireplace, the updated kitchen with newly installed granite countertops, and a charming breakfast nook. The first floor also offers a formal dining room, a dedicated home office or play area with elegant French doors, and a generously sized primary suite featuring two walk-in closets with custom built-in shelving. The en-suite bath provides a relaxing retreat with a jetted soaking tub and separate walk-in shower. Upstairs, you'll find two additional spacious bedrooms with newly installed carpet and a full bathroom. Step outside to enjoy the large, fully fenced backyard with newly installed fencing, mature landscaping, and a raised garden bed—perfect for gardening, entertaining, or simply relaxing outdoors. As a resident of Lake Monticello, you'll enjoy access to an array of community amenities while benefiting from a convenient location with easy commuting to both Charlottesville and Richmond. Take a stroll to nearby Bunker Park or to the Lake Monticello Pub.

7 Loving Terrace, Palmyra
338 Jefferson Drive, Palmyra
$331,000
3 Beds ⋅ 3 Baths ⋅ CVR-2626469 MLS
338 Jefferson Dr is a two-story Palmyra home with 1,456 square feet, three bedrooms, two full bathrooms, and one half bathroom. The kitchen has white cabinetry, granite counters, stainless steel appliances, and a door to the rear deck. The main living room includes a fireplace and windows facing the wooded yard. A separate room near the entry provides additional dining or living space. Bedrooms are upstairs with two full bathrooms, while the main level includes a half bathroom and laundry area. The rear deck and shaded yard add outdoor space, and the property is within the Lake Monticello community. Included 100-Day Home Warranty with buyer activation

338 Jefferson Drive, Palmyra
41 Oak Grove Road, Palmyra
$299,000
3 Beds ⋅ 2 Baths ⋅ CVR-2625122 MLS
Welcome to 41 Oak Grove Rd, a classic single-story ranch nestled in the highly sought-after Lake Monticello community of Palmyra, Virginia. Offering 1,125 square feet of comfortable main-level living, this three-bedroom, two-bathroom home features a bright and practical layout anchored by a cozy fireplace in the central living area. Outside, the home is situated on a 0.37-acre lot with a fully fenced yard, complete with a front porch and back deck perfect for relaxing or entertaining outdoors. Living in Lake Monticello comes with an unmatched lifestyle and an impressive list of neighborhood amenities. HOA members enjoy access to the community pool, sports fields, tennis courts, basketball court, clubhouse, picnic areas, playgrounds, trails, and a golf course. Water lovers will appreciate beach rights, boat ramps, and boat dock access. Essential services like common area maintenance, road upkeep, snow removal, security, and trash collection are all conveniently included. Located near West Central Primary, Fluvanna Middle, and Fluvanna High schools, this property presents a fantastic opportunity to own a charming, low-maintenance home in a vibrant community. All conveying appliances are included as-is.

41 Oak Grove Road, Palmyra
1 Long Leaf Lane, Palmyra
$369,900
3 Beds ⋅ 2 Baths ⋅ CVR-2621901 MLS
Completely renovated from top to bottom, this beautifully updated home in Lake Monticello blends modern finishes with a flexible, thoughtfully designed floor plan. High-end luxury vinyl plank flooring flows throughout, creating a seamless feel from room to room. The kitchen has been fully reimagined with custom cabinetry, premium appliances, and a spacious island that provides plenty of room for cooking, gathering, and entertaining. Just beyond, the dining room makes a statement with its vaulted ceiling and abundant natural light. The first-floor primary suite offers convenient main-level living, complete with a walk-in closet and a brand-new en suite bath. Upstairs, two well-appointed bedrooms share a fully renovated hall bath. The redone basement adds valuable flex space for a home office, media room, gym, or playroom. Outside, enjoy a brand-new back deck overlooking the pebble patio and fire pit, perfect for relaxing evenings and outdoor entertaining. Finished with low-maintenance vinyl siding, this move-in-ready home is ready to be enjoyed.

1 Long Leaf Lane, Palmyra
35 Woodlawn Drive, Palmyra
$399,000
4 Beds ⋅ 3 Baths ⋅ CVR-2621736 MLS
Welcome to this spacious split-level home offering plenty of room for living, entertaining, and storage. With a versatile design and tons of space throughout, this home provides endless possibilities for a home office, recreation space, a gym, or additional storage. A major highlight is the basement garage, providing convenient indoor parking and valuable extra space for vehicles, hobbies, tools, or equipment. Come see all the space and potential this split-level home has to offer!

35 Woodlawn Drive, Palmyra
743 N Ruritan Drive, Palmyra
$180,000
4 Beds ⋅ 2 Baths ⋅ CVR-2621561 MLS
This ranch style home sits on a lakefront property in Palmyra, offering direct water access and a distinctive waterfront setting. The home contains 4 bedrooms and 2 bathrooms, with a primary suite featuring an ensuite bath. The living room also has a wood-burning fireplace for added character. The single-story layout provides practical living space with bedrooms distributed throughout the home. The lakefront location offers direct access to the water. Detached shed in the backyard.

743 N Ruritan Drive, Palmyra
79 Jefferson Drive, Palmyra
$306,000
3 Beds ⋅ 2 Baths ⋅ CVR-2619660 MLS
Welcome to 79 Jefferson Dr, a practical residence designed for everyday comfort with functional elements. The kitchen is equipped with all stainless steel appliances, enhancing daily routines. with The kitchen flows nicely into the open concept dining and living area. An exterior deck provides an extension for relaxation, complemented by a storage shed for outdoor items. Don't miss this blend of updated interior and functional outdoor spaces.

79 Jefferson Drive, Palmyra
3 Elm Court, Palmyra
$385,000
5 Beds ⋅ 4 Baths ⋅ CVR-2618384 MLS
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

3 Elm Court, Palmyra
9 Austin Drive, Fluvanna
$249,500
3 Beds ⋅ 4 Baths ⋅ CVR-2612811 MLS
SHORT SALE OPPORTUNITY! Don't miss this chance to own a beautiful home in a desirable location at an exceptional value. Featuring spacious living areas, comfortable bedrooms, and plenty of potential for personalization, this property is ideal for buyers looking to build equity. Conveniently located near shopping, dining, schools, and major commuter routes. Seller's existing VA loan may be assumable, subject to lender approval and buyer qualification, offering an additional financing option for eligible buyers. Property is being sold as-is. Washer and Dryer does not convey with the property. Short sale subject to third-party approval. Schedule your showing today and explore the possibilities this home has to offer!

9 Austin Drive, Fluvanna
Lot 11 Derosa Ct, Fluvanna
$348,875
3 Beds ⋅ 3 Baths ⋅ CVR-2608139 MLS
Completion anticipated early next year on the newly designed HILL model with an open floor plan, spacious GR-DR-K area with 36" kitchen cabinets w/ crown molding, stainless appliances, laminate floors on entire 1st level, 10x12 rear deck, three bedrooms upstairs with pull down attic space for storage, primary bedroom with ceiling fan, LED lights in the other two bedrooms. Exterior upgrades include shake w/ board & batten siding accents, wide window trim instead of shutters, gable accent, and a quaint front porch. Black windows on the front of the home and black gutters. Firefly high speed internet is available at High Point. Up to $10,000in closing cost incentives is also available. Contact agent for details! Interior photos are a similar home with options, colors or upgrades that may not be included.

Lot 11 Derosa Ct, Fluvanna
12 Derosa CT, Fluvanna
$352,910
4 Beds ⋅ 4 Baths ⋅ CVR-2528930 MLS
WOW WHAT A DEAL!! BRAND NEW Malibu plan w/ up to $12,500 in CLOSING ASSISTANCE + FREE Washer, Dryer & Refrigerator!!! The Malibu plan is Move In Ready! Features include 4 bedrooms w/ 1ST Floor Primary Suite, open layout w/spacious great room &kitchen, laminate floors, upgraded cabinets, 6' island, & stainless appliances. Firefly high speed internet is available at High Point. The location is minutes from the town of Palmyra with easy access to Zion Crossroads, Charlottesville or Richmond. Make plans to visit this property ASAP!

12 Derosa CT, Fluvanna
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