Listing provided courtesy of Napier REALTORS ERA- MLS# 2614098MLS Provider

14491 Three Oaks TerraceMontpelier, VA 23192

Single Family · 5 Beds · 4 Full Baths · 1 Half Bath · 5,271 Sq. ft. | 5.00 Acres
$1,185,000 Active

14491 Three Oaks Terrace Overview

Time on Site:
10 days
Visits:
0

Welcome to Split Oaks, a waterfront retreat situated 5 acres private acres providing exceptional outdoor living. Upon pulling down the paved driveway you will notice the peaceful waterfront setting, mature landscaping and the beautiful custom all brick home. Inside, you will find a grand 2 story foyer with wrap around staircase. To the right of the foyer is an office/study with glass French Doors for privacy, built in bookshelves in the & decorative dental molding. On the other side of the foyer is a formal dining room that flows into the eat in kitchen. The eat in kitchen has a large center island with granite countertop, ample cabinet space, stainless steel appliances, adjacent dining area & views of the lake from the kitchen sink. Adjacent to the kitchen is a Florida room with access to the back deck. The family room offers a fireplace, bar area for entertaining & more views of the water. Rounding out the first floor is a guest bedroom, full hall bathroom, powder room & laundry room. Upstairs, you will find the private owners suite with panoramic views of the lake, a fireplace, his and her separate bathrooms, which is a true luxury and a 2 walk in closets. The basement is perfect for entertaining with a bonus room with wood burning fireplace & bar, plus 2 bedrooms, a full bathroom & a built in sauna. The outdoor spaces are a true highlight, featuring an expansive brick patio with outdoor fireplace, covered dining pavilion, and multi-level deck, creating the perfect setting for entertaining or unwinding in total privacy. There is also a dock to put in paddle board or kayak. This is a rare waterfront property that blends privacy & recreation.

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14491 Three Oaks Terrace Facts & Features

  • Type Single Family
  • Sq. ft. 5,271
  • Price/Sq.ft. $225
  • Lot 5.00 Acres

Details

General

Association/HOA

  • Association Fee: $800.00
  • Association Fee Frequency: Annually
  • Association Fee Includes: Common Areas
  • Association: Yes

School Information

  • Elementary School: South Anna
  • Middle Or Junior School: Liberty
  • High School: Patrick Henry

Building Information

  • New Construction: No
  • Year Built: 1989
  • Year Built Details: Approximate

Location/Region

  • County Or Parish: Hanover
  • MLS Area Major: 36 - Hanover
  • Postal City: Montpelier
  • Subdivision Name: Claybank

Community/Development

  • Community Features: Home Owners Association

Tax Information

  • Tax Annual Amount: $9,921.70
  • Tax Assessed Value: $1,224,900.00
  • Tax Year: 2026

General Information

  • Ownership: Estate
  • Parcel Number: 7841-49-4573
  • Property Condition: Resale
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Special Listing Conditions: Estate

Interior

Parking Information

  • Garage Spaces: 2.0
  • Garage: Yes

Beds/Baths

  • Bathrooms Full: 4
  • Bathrooms Half: 1
  • Bathrooms Total: 5
  • Bedrooms Total: 5

Building Interior

  • Above Grade Finished Area: 3603.0
  • Below Grade Finished Area: 1668.0
  • Building Area Source: Appraiser

General Information

  • Appliances: Built-In Oven, Dishwasher, Electric Water Heater, Gas Cooking, Disposal, Refrigerator, Water Heater
  • Door Features: French Doors
  • Fireplace Features: Gas,Wood Burning
  • Fireplace: Yes
  • Fireplaces Total: 3
  • Flooring: Partially Carpeted, Wood
  • Foundation Details: Slab
  • Interior Features: Wet Bar, Bedroom on Main Level, Separate/Formal Dining Room, Eat-in Kitchen, French Door(s)/Atrium Door(s), Fireplace, Granite Counters, Kitchen Island, Walk-In Closet(s)
  • Living Area: 5271.0
  • Living Area Source: Appraiser
  • Rooms Total: 13
  • Spa: Yes
  • Stories Total: 1

Exterior

Parking Information

  • Parking Features: Attached, Direct Access, Driveway, Garage, Garage Door Opener, Paved, Garage Faces Rear, Garage Faces Side

Lot Information

  • Lot Features: Landscaped, Waterfront
  • Lot Size Acres: 5.0
  • Lot Size Area: 5.0
  • Lot Size Units: Acres
  • Water Source: Well

Waterfront/View

  • Waterfront Features: Dock Access, Lake, Lake Front, Mooring, Water Access, Walk to Water, Waterfront
  • Waterfront: Yes

Building Exterior/Construction

  • Architectural Style: Cape Cod, Custom
  • Attached Garage: Yes
  • Construction Materials: Brick, Drywall
  • Patio And Porch Features: Front Porch, Deck
  • Property Attached: No
  • Roof: Shingle

General Information

  • Exterior Features: Deck, Dock, Hot Tub/Spa, Sprinkler/Irrigation, Paved Driveway
  • Fencing: None
  • Pool Features: None
  • Sewer: Septic Tank

Room Information

Room: Full Bath

    Room: Bedroom 3

    • Level: Basement
    • Dimensions: 16.4 x 15.3
    • Length: 16.4
    • Width: 15.3
    • Description: carpet/closet

    Room: Bedroom 4

    • Level: Basement
    • Dimensions: 15.7 x 15.3
    • Length: 15.7
    • Width: 15.3
    • Description: carpet/closet

    Room: Bedroom 5

    • Level: Basement
    • Dimensions: 21.7 x 11.10
    • Length: 21.7
    • Width: 11.1
    • Description: carpet/closet

    Room: Full Bath

    • Level: Basement
    • Description: Tub & Shower

    Room: Additional Room

    • Level: First
    • Dimensions: 7.8 x 14.4
    • Length: 7.8
    • Width: 14.4
    • Description: hardwood/built-ins/French Doors

    Room: Additional Room

    • Level: First
    • Dimensions: 13.3 x 15.3
    • Length: 13.3
    • Width: 15.3
    • Description: breakfast nook

    Room: Bedroom 2

    • Level: First
    • Dimensions: 16.3 x 10.8
    • Length: 16.3
    • Width: 10.8
    • Description: carpet/closet

    Room: Dining Room

    • Level: First
    • Dimensions: 15.8 x 16.10
    • Length: 15.8
    • Width: 16.1
    • Description: hardwood/chandelier/French Doors

    Room: Florida Room

    • Level: First
    • Dimensions: 21.9 x 11.10
    • Length: 21.9
    • Width: 11.1
    • Description: carpet/access to the deck

    Room: Foyer

    • Level: First
    • Dimensions: 15.8 x 16.0
    • Length: 15.8
    • Width: 16.0
    • Description: two story, wrap around staircase, chandelier

    Room: Full Bath

    • Level: First
    • Description: Tub & Shower

    Room: Half Bath

    • Level: First

    Room: Kitchen

    • Level: First
    • Dimensions: 15.8 x 15.3
    • Length: 15.8
    • Width: 15.3
    • Description: tile/island/recessed lighting

    Room: Living Room

    • Level: First
    • Dimensions: 24.0 x 18.6
    • Length: 24.0
    • Width: 18.6
    • Description: fireplace/hardwood/wet bar

    Room: Office

    • Level: First
    • Dimensions: 16.3 x 13.7
    • Length: 16.3
    • Width: 13.7
    • Description: hardwood

    Room: Full Bath

    • Level: Second
    • Description: Tub & Shower

    Room: Primary Bedroom

    • Level: Second
    • Dimensions: 24.0 x 17.2
    • Length: 24.0
    • Width: 17.2
    • Description: carpet/2 en-suite bathrooms/2 walk in closets

    Find, Buy & Move into Your Home with Us.

    Instead of having a mortgage team here, an insurance agent there, a REALTOR® down the street, an inspector and a moving company across town, you have one team with one goal and one focus: you. Ask for “All-Inclusive” Buying.

    Enjoy the sense of confidence knowing your Long & Foster full team can handle it all. Your agent is supported by a team of specialists in Mortgage, Insurance, Title, Inspection, Moving and Property Management who are there to guide you every step of the way. They’ll make sure things run smoothly, closing happens on time, and you arrive at your dream home according to plan.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.8

    311 Reviews
    Top Services:
    • Buying
    • Selling
    • Rental Properties
    • Investment Properties
    • Luxury Properties
    Key Advantages:
    • Be your guide with expert knowledge of your area
    • Help find your home and offer objective information and opinions
    • Stand in your corner during negotiations
    • Assist with paperwork and details to get you to closing
    • Connect you to vendors if work is needed

    Our mortgage affiliate, Prosperity Home Mortgage, will get you approved for a mortgage before shopping for a home. This will make your offer stand out and give you an edge in a highly competitive market. If you are already pre-approved, no problem, we can take a “second look” and try to get you even better terms.

    Accolades:
    97 %
    Customer
    Satisfaction
    5.0

    3,803 Reviews
    Top Services:
    • Fixed & adjustable rate mortgages
    • FHA and VA mortgage programs
    • Rapid Close™
    • USDA Loans
    Key Advantages:
    • Full suite of mortgage programs to meet your specific needs
    • Friendly professionals guide through every step of the loan process
    • We help you find and lock in on the market’s best interest rate
    • We work closely with your title company to ensure accurate closing

    We help you make good decisions when you’re buying a home and learn how to be a better homeowner after you move-in. We streamline your inspection journey, provide thorough and accurate results, and get you to closing peacefully. Schedule a confirmed inspection online 24x7.

    Accolades:
    97 %
    Customer
    Satisfaction
    5.0

    240 Reviews
    Top Services:
    • Home Inspection
    • Radon Gas
    • Termite Inspection
    • Test Indoor Air Quality
    • Pay at Closing*
    Key Advantages:
    • Scheduling online 24x7 confirm a convenient date & time for you & your agents
    • High-tech journey makes it easy to sign agreement, make payment, view reports
    • One stop shop for home, radon & termite
    • Knowledgeable, friendly inspectors teach you about your home and property
    • Custom homeowner’s manual teaches you how to maintain your home

    * A Long & Foster exclusive benefit. If you work with RGS Title or Sage Title Group and Insight Inspections, your can enjoy a $55 discount and the flexibility to pay for the inspection at settlement. This new approach combines the best of both the title and inspection worlds, creating a seamless and integrated journey.

    We carefully examine your new home’s title, get your legal documents in order, and safeguard your investment. With a team of specialists who expect the unexpected, you can anticipate an on-time, worry-free closing.

    Accolades:
    97 %
    Customer
    Satisfaction
    4.9

    Reviews
    Top Services:
    • Title Search & Status
    • Title Insurance
    • Document Prep
    • Closing Coordination
    • Filing & Recording
    Key Advantages:
    • Ensure that there are no unresolved claims or liens on your home’s title
    • Help secure insurance against unexpected title challenges
    • Prepare closing paperwork to ensure documents are in compliance with laws
    • Coordinate with all parties to schedule final closing
    • File & record your paperwork with the courthouse

    We help you secure the proper coverage at a competitive price to protect your largest investment — your home. Our insurance agents work closely with you to understand your risk exposures, educate you on your options, protect you from the unexpected, and develop insurance strategies to offer ongoing service to address your ever-changing insurance needs.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.9

    77 Reviews
    Top Services:
    • Home Insurance
    • Auto Insurance
    • Umbrella Insurance
    • Motorcycle, Boat, RV and more
    Key Advantages:
    • Specialize in real estate and bundle other policies for savings
    • Work with 10+ leading carriers to secure the best coverage at the best cost
    • Save you time by shopping for you
    • We’re independent - we find and present you with the best offers and let you decide
    • Guide you with ongoing service and support

    We ensure a smooth, stress-free move so you can start enjoying your new home as soon as you move in. Whether you’re headed down the street or across the country, our moving specialists will make sure you don’t have to lift a finger.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.6

    953 Reviews
    Top Services:
    • Packing & Unpacking
    • Decluttering
    • Storage
    • Local or Long Distance
    • International Moving
    Key Advantages:
    • 30-minute guided virtual survey with next business day Guaranteed quote
    • Best Price Guarantee*†
    • 2-months free storage*‡
    • $20,000 full value protection*
    • Personal move concierge - from first call until last box is delivered

    * Long & Foster Customers Only. † Examples of qualified movers: any major van line (United, Mayflower, Atlas, North American, etc) for local: JK, Hilldrup, Town and Country, Able, Interstate, All my Sons, Olympia, Gentle Giant. ‡ 2 Months Free Storage Program: If you’re moving from DE, MD, DC or VA and to DE, MD, DC or VA, we offer 2 months of free storage for all of the contents of your home. There is no charge for the storage of the items for 2 months. There is a cost for pickup of the items to go to storage and for delivery of items from storage to the new home.

    We are the next generation of property management. With our streamlined processes, best-in-class service, and transparent financial updates, we help investors achieve financial success through real estate.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.8

    120 Reviews
    Top Services:
    • Property Surveys
    • Marketing
    • Tenant Screening
    • Maintenance
    • Lease Enforcement
    Key Advantages:
    • We’ll guide and help identify the right properties to invest in
    • Use of smart devices, predictive data and analytics to help maintain properties
    • Get more free time when we handle billing and payments
    • We continuously monitor state and federal landlord/tenant laws
    • Become more knowledgeable with quarterly portfolio reviews & guidance
    • Enjoy the sense of confidence knowing your Long & Foster full team can handle it all. Your agent is supported by a team of specialists in Mortgage, Insurance, Title, Inspection, Moving and Property Management who are there to guide you every step of the way. They’ll make sure things run smoothly, closing happens on time, and you arrive at your dream home according to plan.

      Accolades:
      98 %
      Customer
      Satisfaction
      4.8

      311 Reviews
      Top Services:
      • Buying
      • Selling
      • Rental Properties
      • Investment Properties
      • Luxury Properties
      Key Advantages:
      • Be your guide with expert knowledge of your area
      • Help find your home and offer objective information and opinions
      • Stand in your corner during negotiations
      • Assist with paperwork and details to get you to closing
      • Connect you to vendors if work is needed
    • Our mortgage affiliate, Prosperity Home Mortgage, will get you approved for a mortgage before shopping for a home. This will make your offer stand out and give you an edge in a highly competitive market. If you are already pre-approved, no problem, we can take a “second look” and try to get you even better terms.

      Accolades:
      97 %
      Customer
      Satisfaction
      5.0

      3,803 Reviews
      Top Services:
      • Fixed & adjustable rate mortgages
      • FHA and VA mortgage programs
      • Rapid Close™
      • USDA Loans
      Key Advantages:
      • Full suite of mortgage programs to meet your specific needs
      • Friendly professionals guide through every step of the loan process
      • We help you find and lock in on the market’s best interest rate
      • We work closely with your title company to ensure accurate closing
    • We carefully examine your new home’s title, get your legal documents in order, and safeguard your investment. With a team of specialists who expect the unexpected, you can anticipate an on-time, worry-free closing.

      Accolades:
      97 %
      Customer
      Satisfaction
      4.9

      Reviews
      Top Services:
      • Title Search & Status
      • Title Insurance
      • Document Prep
      • Closing Coordination
      • Filing & Recording
      Key Advantages:
      • Ensure that there are no unresolved claims or liens on your home’s title
      • Help secure insurance against unexpected title challenges
      • Prepare closing paperwork to ensure documents are in compliance with laws
      • Coordinate with all parties to schedule final closing
      • File & record your paperwork with the courthouse
    • We help you secure the proper coverage at a competitive price to protect your largest investment — your home. Our insurance agents work closely with you to understand your risk exposures, educate you on your options, protect you from the unexpected, and develop insurance strategies to offer ongoing service to address your ever-changing insurance needs.

      Accolades:
      98 %
      Customer
      Satisfaction
      4.9

      77 Reviews
      Top Services:
      • Home Insurance
      • Auto Insurance
      • Umbrella Insurance
      • Motorcycle, Boat, RV and more
      Key Advantages:
      • Specialize in real estate and bundle other policies for savings
      • Work with 10+ leading carriers to secure the best coverage at the best cost
      • Save you time by shopping for you
      • We’re independent - we find and present you with the best offers and let you decide
      • Guide you with ongoing service and support
    • We help you make good decisions when you’re buying a home and learn how to be a better homeowner after you move-in. We streamline your inspection journey, provide thorough and accurate results, and get you to closing peacefully. Schedule a confirmed inspection online 24x7.

      Accolades:
      97 %
      Customer
      Satisfaction
      5.0

      240 Reviews
      Top Services:
      • Home Inspection
      • Radon Gas
      • Termite Inspection
      • Test Indoor Air Quality
      • Pay at Closing*
      Key Advantages:
      • Scheduling online 24x7 confirm a convenient date & time for you & your agents
      • High-tech journey makes it easy to sign agreement, make payment, view reports
      • One stop shop for home, radon & termite
      • Knowledgeable, friendly inspectors teach you about your home and property
      • Custom homeowner’s manual teaches you how to maintain your home

      * A Long & Foster exclusive benefit. If you work with RGS Title or Sage Title Group and Insight Inspections, your can enjoy a $55 discount and the flexibility to pay for the inspection at settlement. This new approach combines the best of both the title and inspection worlds, creating a seamless and integrated journey.

    • We ensure a smooth, stress-free move so you can start enjoying your new home as soon as you move in. Whether you’re headed down the street or across the country, our moving specialists will make sure you don’t have to lift a finger.

      Accolades:
      98 %
      Customer
      Satisfaction
      4.6

      953 Reviews
      Top Services:
      • Packing & Unpacking
      • Decluttering
      • Storage
      • Local or Long Distance
      • International Moving
      Key Advantages:
      • 30-minute guided virtual survey with next business day Guaranteed quote
      • Best Price Guarantee*†
      • 2-months free storage*‡
      • $20,000 full value protection*
      • Personal move concierge - from first call until last box is delivered

      * Long & Foster Customers Only. † Examples of qualified movers: any major van line (United, Mayflower, Atlas, North American, etc) for local: JK, Hilldrup, Town and Country, Able, Interstate, All my Sons, Olympia, Gentle Giant. ‡ 2 Months Free Storage Program: If you’re moving from DE, MD, DC or VA and to DE, MD, DC or VA, we offer 2 months of free storage for all of the contents of your home. There is no charge for the storage of the items for 2 months. There is a cost for pickup of the items to go to storage and for delivery of items from storage to the new home.

    • We are the next generation of property management. With our streamlined processes, best-in-class service, and transparent financial updates, we help investors achieve financial success through real estate.

      Accolades:
      98 %
      Customer
      Satisfaction
      4.8

      120 Reviews
      Top Services:
      • Property Surveys
      • Marketing
      • Tenant Screening
      • Maintenance
      • Lease Enforcement
      Key Advantages:
      • We’ll guide and help identify the right properties to invest in
      • Use of smart devices, predictive data and analytics to help maintain properties
      • Get more free time when we handle billing and payments
      • We continuously monitor state and federal landlord/tenant laws
      • Become more knowledgeable with quarterly portfolio reviews & guidance

    14491 Three Oaks Terrace Neighborhood

    Community

    23192 (Sandy Hook) Demographics

    45
    Median Age
    88
    Population Density (per sq. mile)
    37%
    College Educated
    $92,273
    Estimated Median Income
    2,221
    Estimated Total Home Owners
    193
    Estimated Total Renters
    92% / 8%
    Estimated Owner / Renter Divide
    3
    Estimated Average Household Size
    Community data courtesy of LiveBy, Inc.

    Schools

    School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

    14491 Three Oaks Terrace Monthly Cost

    $
    $ %
    %
    $
    $
    * All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

    14491 Three Oaks Terrace Market Data

    Based on the last 30 days in this zip code

    $835,000
    Average List Price
    $266
    Average Price per Square Foot
    0
    Properties Sold
    99
    Average Days on Market
    1
    Properties for Sale
    Calculations provided by Reliance Network

    14491 Three Oaks Terrace History

    Date Event Value Agent
    6/24/2026Source: Central Virginia Regional Status Change
    Active
    6/19/2026Source: Central Virginia Regional Added to Database
    June 19, 2026
    7/28/2025Source: Central Virginia Regional Added to Database
    August 20, 2021