Why this home stands out
Homes built in 1920 are rare anywhere, and in a small waterside community like Susan they are rarer still. The bones here go back over a hundred years, and the footprint — 1,716 square feet on two floors — gives you real living space without the scale of a newer build. Susan sits at the tip of Middlesex County, where the Piankatank River meets the Chesapeake Bay, and that geography shapes everything about daily life at this address.
ALL OTHERS AREA 126 and the Susan real estate market
Susan is a small, unincorporated community at the southern end of Middlesex County, Virginia. The area sits where the Piankatank River opens into the Chesapeake Bay, giving it a distinctly coastal, water-oriented character. Streets here are quiet and lightly traveled. Housing is a mix of older cottages, modest year-round homes, and seasonal retreats — the kind of stock that anchors homes for sale in 23163. Lot sizes tend to be generous, and neighbors are spread out enough that the pace feels genuinely rural. Middlesex County as a whole is known for its low density and strong waterman heritage. The county seat is Saluda, about 20 minutes north on Route 33. Urbanna, a well-known small port town on the Rappahannock, is roughly 25 minutes away and hosts a popular oyster festival each fall. Williamsburg — with its full range of shopping, dining, and medical services — is about 45 minutes to the southwest via the Coleman Bridge.
What's nearby
Day-to-day errands run through Deltaville, about 10 minutes north, where you will find a grocery option, a hardware store, and a marina. Deltaville is a hub for boating and fishing on the Bay, and the public boat ramp there is a quick drive from Smith Railway Lane. Urbanna adds a handful of restaurants, a pharmacy, and a waterfront park to the mix. For larger shopping runs, Gloucester Courthouse is roughly 35 minutes by car and carries most major retailers. The Rappahannock River Valley National Wildlife Refuge is also within an easy drive for hiking and birding.
For different buyers
Base commute and VA loan notes
Naval Weapons Station Yorktown is about 33 minutes from 102 Smith Railway Lane via the Coleman Bridge — a straightforward commute for anyone stationed there. Camp Peary adds a second base option at roughly 36 minutes. VA loan financing works well in Middlesex County, and properties at this price point in rural Virginia often fall within VA loan limits with room to spare.
For first-time buyers
A 1920-built home in a rural waterside county is a different kind of entry point into ownership. The two-bedroom, one-and-a-half-bath layout keeps things manageable, and the 1,716-square-foot footprint gives you space to settle in. Susan's low-density setting means lower noise and lower traffic — a straightforward place to put down roots without the complexity of a larger market.
More buyer questions
How far is 102 Smith Railway Lane from Naval Weapons Station Yorktown?
The drive is about 33 minutes, primarily via Route 33 west and the Coleman Bridge over the York River. Camp Peary is a similar distance at roughly 36 minutes.
What is the flood zone status for 102 Smith Railway Lane?
Susan's proximity to the Piankatank River and Chesapeake Bay means flood zone designation is an important detail to verify. The FloodRisk tile on this page has the current FEMA map information for this address.
Where is Susan, Virginia located?
Susan is an unincorporated community at the southern tip of Middlesex County, where the Piankatank River meets the Chesapeake Bay. It sits roughly 45 minutes southeast of Williamsburg and about 25 minutes from Urbanna.
Is there an HOA at 102 Smith Railway Lane?
No HOA is associated with this property, so there are no mandatory association fees or deed restrictions tied to membership in a homeowners association.
What year was 102 Smith Railway Lane built?
The home was built in 1920, making it over a century old. That age puts it among the older residential structures in Middlesex County.
Want to see 102 Smith Railway Lane in person? Tom and Dariya Milan at LPT Realty can arrange a showing and answer any questions about the property or the surrounding area.
