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14491 Three Oaks Terrace, Montpelier, VA 23192 (MLS # 2614098)
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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.
Property Type(s):
Single Family
| Last Updated | 6/24/2026 | Tract | Claybank |
|---|---|---|---|
| Year Built | 1989 | Community | 36 - Hanover |
| Garage Spaces | 2.0 | County | Hanover |
SCHOOLS
| Elementary School | South Anna |
|---|---|
| Jr. High School | Liberty |
| High School | Patrick Henry |
Additional Details
| AIR | Central Air, Electric, Zoned |
|---|---|
| AIR CONDITIONING | Yes |
| APPLIANCES | Dishwasher, Disposal, Electric Water Heater, Gas Cooktop, Oven, Refrigerator, Water Heater |
| AREA | 36 - Hanover |
| BASEMENT | Full, Walk-Out Access, Yes |
| CONSTRUCTION | Brick |
| EXTERIOR | Dock |
| FIREPLACE | Yes |
| GARAGE | Yes |
| HEAT | Electric, Heat Pump, Propane, Zoned |
| HOA DUES | 800|Annually |
| INTERIOR | Eat-in Kitchen, Granite Counters, Kitchen Island, Master Downstairs, Walk-In Closet(s), Wet Bar |
| LOT | 5 acre(s) |
| LOT DESCRIPTION | Landscaped, Waterfront |
| PARKING | Attached, Direct Access, Driveway, Garage, Garage Door Opener, Paved, Garage Faces Rear, Garage Faces Side |
| POOL DESCRIPTION | None |
| SEWER | Septic Tank |
| STORIES | 1 |
| STYLE | Cape Cod, Custom |
| SUBDIVISION | Claybank |
| TAXES | 9921.7 |
| WATER | Well |
| WATERFRONT | Yes |
| WATERFRONT DESCRIPTION | Waterfront Access, Lake, Lake Front, Waterfront |
| ZONING | A1 |
Location
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Listed with Napier REALTORS ERA
All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listings. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are ©2026 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing
Last Updated: 6/25/26 3:59 AM PDT
This IDX solution is (c) Diverse Solutions 2026.
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