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DiggsALL OTHERS AREA 126118 Rigby Ln✓ Source: REIN MLS #10623531 · record updated Jun 18, 2026 · synced every 2 min · your inquiry is never resold
118 Rigby LN, DIGGS VA 23045 - Main photo
118 Rigby LN, DIGGS VA 23045 - Photo 2
118 Rigby LN, DIGGS VA 23045 - Photo 3
118 Rigby LN, DIGGS VA 23045 - Photo 4
118 Rigby LN, DIGGS VA 23045 - Photo 5
$700,000
$201 / sqft · est. $4,267/mo →
3beds
3.1baths
3,476sqft
105days on market

118 Rigby Ln, Diggs, VA 23045

Under ContractResidential · built 1992 · ALL OTHERS AREA 126

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Bay, Dock, Navigable.

Frontage

Bay ✓ VERIFIED

Dock

Dock

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

Chesapeake Bay, wide open complete waterfront views with protective low-profile island 1000 ft offshore located on 1.43 acres that includes a large deck, wraparound covered porch, sunroom, a private dock on navigable water and a detached 2 car garage featuring an apartment/in law-suite that is currently rented providing income potential. A rare opportunity to own versatile waterfront living with endless views and coastal charm!

Listing courtesy of Greg Garrett · Garrett Realty Partners · REIN MLS #10623531

VaHome team overview

Our read on this home

At a glance

118 Rigby Lane sits on 1.43 private acres in the quiet waterside community of Diggs, Virginia — offering 3,476 square feet of living space, three bedrooms, three full baths, one half bath, and a generous lot that gives you real room to breathe in Middlesex County.

Read the full overview ↓

Why this home stands out

What sets 118 Rigby Lane apart is the combination of substantial square footage and a true acre-plus lot in a low-traffic coastal village that most buyers never think to explore. Built in 1992, the home delivers nearly 3,500 square feet of interior space alongside outdoor elbow room that's genuinely hard to find at this scale anywhere along the Middle Peninsula. It's a property that rewards buyers who want privacy without sacrificing a livable, well-proportioned floor plan.

ALL OTHERS AREA 126 and the Diggs real estate market

Diggs is a small, unhurried waterside community tucked into Middlesex County on Virginia's Middle Peninsula, where the Piankatank River meets the Chesapeake Bay. Life here moves at its own pace — neighbors tend to know each other, boat traffic replaces rush-hour noise, and the landscape stays green and open in ways that the Hampton Roads metro rarely allows. The Diggs Virginia 23045 zip code covers a stretch of rural shoreline that has attracted watermen, retirees, and remote workers who want genuine quiet without total isolation. Middlesex County governs the area, keeping the tax base small and the community character intact. The nearest full-service towns are Deltaville to the south and Saluda — the county seat — roughly twenty minutes inland, so daily errands require a short drive, but that trade-off is exactly what draws people here. If you've been searching for a home where the backyard feels like a destination rather than an afterthought, Diggs tends to end that search.

What's nearby

Deltaville, about ten minutes south on Route 33, is the go-to hub for marine supplies, casual waterfront dining, and the basics of everyday life. Saluda offers a broader range of grocery, pharmacy, and retail options in about twenty minutes. The Deltaville Community Center and Stove Point Park give outdoor enthusiasts accessible waterfront access nearby. For a wider selection of dining and shopping, Gloucester Courthouse is roughly thirty-five minutes north, and the full retail corridor of Williamsburg sits about an hour away. Richmond is reachable in under ninety minutes for major medical, airport, and urban amenities.

For different buyers

For military families relocating

Camp Peary and Naval Weapons Station Yorktown are each roughly forty-five minutes from 118 Rigby Lane — a commute that trades congestion for scenery on mostly rural two-lane roads. For a military family using a VA loan to purchase, the combination of acreage, square footage, and a quieter quality of life can make that drive feel like a worthwhile daily reset rather than a burden.

For families upgrading

Three bedrooms, three full baths, a half bath, and 3,476 square feet on 1.43 acres gives a growing family genuine room to spread out — indoors and out. The 1992 construction means the bones are solid and the layout is practical, while the lot size opens the door to a garden, a workshop, a play area, or simply the kind of yard where kids actually want to spend time.

More buyer questions

How far is 118 Rigby Lane from Naval Weapons Station Yorktown?

Naval Weapons Station Yorktown is approximately forty-five minutes from 118 Rigby Lane, traveling north via Route 33 and Route 17. The route is mostly rural and avoids major highway congestion.

How far is 118 Rigby Lane from Camp Peary?

Camp Peary is also roughly forty-five minutes away, following a similar northbound route through Gloucester County toward the York River corridor.

What county is 118 Rigby Lane in?

The property is located in Middlesex County, Virginia, which governs the Diggs community and the surrounding Middle Peninsula shoreline.

Is 118 Rigby Lane in a flood zone?

Flood zone information for this address is displayed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data for the 23045 zip code area.

Does 118 Rigby Lane have an HOA?

This property is listed under the All Others Area 126 designation, which does not indicate a formal homeowners association — but always confirm current HOA status directly with the listing agent before closing.

Ready to see 118 Rigby Lane in person? Tom and Dariya Milan at LPT Realty know the Middle Peninsula well — reach out and let's schedule a visit.

Summary generated by AI from public records and publicly available information.

Schools

  • ElementaryThomas Hunter
  • MiddleThomas Hunter Middle
  • HighMathews

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1992

Price / sqft

$201

HOA

None

Taxes

$5,169/yr

County

Mathews County VA

Waterfront

Yes

MLS #

10623531

Interior

Bedrooms
3
Full baths
3
Half baths
1
Approx. sqft
3,476
Stories
2
Flooring
Carpet, Ceramic, Laminate/LVP, Wood
Total rooms
5
Other rooms
Breakfast Area, Foyer, PBR with Bath, Pantry, Sun Room, Utility Room
Interior features
Fireplace Wood, Primary Sink-Double, Walk-In Attic
Appliances
Dishwasher, Dryer, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer, Washer Hookup
Equipment
Ceiling Fan, Gar Door Opener

Construction & exterior

Style
Cape Cod
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Vinyl
Exterior features
Deck
Pool
No Pool
Waterfront
Bay,Dock,Navigable
Deep-water access
Yes

Utilities & systems

Heating
Electric,Heat Pump
Cooling
Central Air
Water heater
Electric
Water
Well
Sewer
Septic

Lot, parking & ownership

Lot size
1.4300
Approx. acres
1.43
Subdivision
ALL OTHERS AREA 126
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 2 Car, Driveway Spc
Possession
CLOSING
Disclosures
Disclosure Statement

Sources: REIN MLS record · null fields are suppressed, never faked

Flood & environment

FEMA flood zone AE · base flood elevation 6 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 51115C

Flood Risk

Looking up FEMA flood zone…

Zone AE typically means lenders require flood insurance — factor it into the monthly numbers below.

Hurricane Evacuation Zone

Evacuation Zone A

Source: Virginia Dept. of Emergency Management — Know Your Zone

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Run the real carrying cost

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$4,267/mo

Principal & interest

$3,632

Property tax

$431

Home insurance

$204

PMI

None

HOA

None

Estimate only. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Judge value on real ground

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Sale & Tax History

List Price

$700,000

Price / Sq Ft

$201

Annual Taxes

$5,169

Monthly Tax

$431

HOA

None

Tax Rate (effective)

0.74%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMar 5, 2026$700,000
Price reducedJun 9, 2026$700,000−$100,000
Currently listed$700,000

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Diggs Assessor (Google)

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Questions buyers ask

Real questions, answered from the record

Is 118 Rigby Ln in a good school zone?+
The assigned zones on the listing record are Thomas Hunter, Thomas Hunter Middle, Mathews. School attendance zones can change — always confirm enrollment with the local school division.
Is 118 Rigby Ln in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 6 ft — a high-risk flood band where lenders typically require flood insurance. See the flood section on this page for the full details and sources, and verify with an elevation certificate.
Is 118 Rigby Ln a waterfront property?+
Yes. The listing record shows: Bay,Dock,Navigable.
Does 118 Rigby Ln have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 118 Rigby Ln built?+
It was built in 1992, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Greg Garrett · Garrett Realty Partners · REIN MLS #10623531

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

118 Rigby Ln, Diggs — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

118 Rigby Ln, Diggs, Virginia 23045 · MLS #10623531 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.