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OPEN HOUSE SATURDAY, NOVEMBER 7TH, 11 AM–1 PM! Discover waterfront living at Lake Monticello! Tucked away on a private cul-de-sac, this nearly half-acre property offers 128 feet of waterfrontage, gentle access to the water's edge, a spacious dock, and gorgeous views of Monroe Cove. With nearly 2,100 square feet, this freshly painted home with new carpet is a blank palette ready for your vision! Soaring ceilings, a cozy wood stove, and expansive sliding glass doors fill the living room with natural light and stunning lake views. Enjoy outdoor living on the large wraparound deck surrounded by wooded privacy and plexiglass railings maximize the views. The main-level primary suite spans an entire side of the home, offering beautiful views, abundant natural light, and room to reimagine the space. A second bedroom or home office and foyer with coat closet complete the main level. The terrace level features two additional bedrooms, another office with lake views, and easy access to the yard. An oversized two-car garage provides ample storage. Just moments from Beach 3, this property is the perfect weekend retreat or year-round residence. Exceptional waterfront value with views, privacy, and potential!

Highlights

  • Residential
  • Single Family Residence
  • Built in 1980
  • 0.42 Acre Lot
  • $122/mo HOA
  • Waterfront
  • 2 Car Garage
  • 6 days on Market

  • Bedrooms
    3
  • Bathrooms
    2
  • Year Built
    1980
  • Stories
    1.0
  • Architectural Style
    Ranch, Contemporary
  • Construction Materials
    Wood Siding
  • Foundation
    Block
  • Garage Spaces
    2.0
  • Parking Features
    Asphalt, Garage Faces Side, Basement
  • Living Area
    2072.0
  • Interior Features
    Eat-in Kitchen, Vaulted Ceiling(s), Master Downstairs, Double Vanity, Recessed Lighting, Entrance Foyer
  • Appliances
    Dryer, Dishwasher, Electric Range, Refrigerator, Washer
  • Flooring
    Carpet, Ceramic Tile
  • Exterior Features
    Dock
  • Patio And Porch
    Deck
  • Pool Features
    Association
  • Security Features
    Gated Community
  • Cooling
    Central Air, Heat Pump
  • Heating
    Heat Pump
  • Basement
    Finished, Full, Walk-Out Access, Interior Entry, Exterior Entry

  • Acres
    0.42
  • Lot Features
    Wooded, Level, Waterfront, Cul-De-Sac, Secluded, Private, Landscaped, Native Plants
  • Water Front
    Yes
  • View
    Trees/Woods, Water
  • Utilities
    Cable Available, None
  • Water
    Public

  • County
    Fluvanna
  • City
    Palmyra
  • Neighborhood
    LAKE MONTICELLO
  • Zip Code
    22963
  • High School
    Fluvanna
  • Middle School
    Fluvanna
  • Elementary School
    Central (Fluvanna)

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Frequently Asked Questions

How do I schedule a tour of 9 Laguna Rd?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 9 Laguna Rd.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 9 Laguna Rd?

Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $695,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Palmyra, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 9 Laguna Rd?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 9 Laguna Rd at around $4,329. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 9 Laguna Rd?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Fluvanna County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 9 Laguna Rd?

In most cases, yes. Whether 9 Laguna Rd is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Palmyra's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 9 Laguna Rd?

We can handle that for you. Our preferred local agent specializes in residentials in Palmyra and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $695,000 with 2,072 sqft of space—that comes out to approximately $335 per square foot.

How long has this property been on the market?

9 Laguna Rd was listed on November 04, 2026, which means it's been on the market for 6 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1980, making it approximately 46 years old.

What is the lot size of this property?

9 Laguna Rd sits on a 0.42-acre lot, which is 18,295 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Central (Fluvanna)
  • Middle: Fluvanna
  • High: Fluvanna

Want to see how these schools compare? Check out our Fluvanna County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 9 Laguna Rd?

The most recent public record shows annual property taxes for 9 Laguna Rd were approximately $4,490. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $122 paid monthly.

This covers access to community features including: Picnic Area, Playground, Clubhouse, Pool, Water, Tennis Court(s), Trail(s), Beach Rights, Boat Dock, Basketball Court, Golf Course, Meeting Room, Sport Court.

Is 9 Laguna Rd still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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The data relating to real estate for sale on this site comes in part from the Broker Reciprocity/IDX program of Charlottesville Area Association of REALTORS®, Greater Augusta Association of REALTORS® and Harrisonburg-Rockingham Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information provided is thought to be reliable but is not guaranteed to be accurate; you are advised to verify facts that are important to you. No warranties, expressed or implied, are provided for the data herein, or for their use or interpretation by the user. The Charlottesville Area Association of REALTORS®, Greater Augusta Association of REALTORS® and Harrisonburg-Rockingham Association of REALTORS® does not create, control or review the property data displayed herein and take no responsibility for the content of such records. Federal law prohibits discrimination on the basis of race, color, religion, sex, handicap, familial status or national origin in the sale, rental or financing of housing. Information deemed reliable but not guaranteed. Copyright © 2026 Charlottesville Area Association of REALTORS®, Greater Augusta Association of REALTORS® and Harrisonburg-Rockingham Association of REALTORS®. All Rights Reserved.