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Susan › ALL OTHERS AREA 126 › 349 Pepper Cove Way✓ Source: REIN MLS #10657402 · record updated Oct 10, 2026 · synced every 2 min · your inquiry is never resold
349 Pepper Cove WAY, SUSAN VA 23163 - Main photo
349 Pepper Cove WAY, SUSAN VA 23163 - Photo 2
349 Pepper Cove WAY, SUSAN VA 23163 - Photo 3
349 Pepper Cove WAY, SUSAN VA 23163 - Photo 4
349 Pepper Cove WAY, SUSAN VA 23163 - Photo 5
3beds
2baths
1,680sqft
0days on market

349 Pepper Cove Way, Susan, VA 23163

New ListingResidential · built 2000 · 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: Creek, Deep Water, Marsh, Restrictions.

Frontage

Creek · Marsh ✓ VERIFIED

Access

Deep-water access

Source: REIN MLS listing record · waterfront features as listed

Facts & features

Type

Residential

Year built

2000

Price / sqft

$119

HOA

None

Taxes

$1,438/yr

County

Mathews County VA

Waterfront

Yes

MLS #

10657402

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,680
Stories
1
Flooring
Carpet, Laminate/LVP, Vinyl
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
6
Appliances
Dishwasher, Dryer Hookup, Elec Range, Refrigerator, Washer Hookup
Accessibility
Grab bars, Offset Shower Controls

Construction & exterior

Style
Manufactured
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Other
Pool
No Pool
Waterfront
Creek,Deep Water,Marsh,Restrictions
Deep-water access
Yes

Utilities & systems

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

Lot, parking & ownership

Lot size
8.5900
Subdivision
ALL OTHERS AREA 126
Ownership
Fee Simple
Garage
No
Parking
2 Space, Off Street, Driveway Spc
Possession
WHEN FUNDED
Miscellaneous
Fixer Upper
Disclosures
Additional Attachments, Call for Others, Environmental Restrictions

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

About this home

Property features 8.59 semi cleared acres. Water views of Pepper Creek. Well, Septic, and power at existing dwelling. Multiple sheds, and a 3 bay pole barn with workshop and electric convey with sale. Property will require a renovation loan or tear down and use the land for a construction loan. Buyer to do due diligence regarding permitting, zoning, and all other components. Seller makes no guarantees. See shared disclosures on addendum. Property STRICTLY conveyed as is where is, and with all faults. Seller will make NO repairs. HVAC not currently functional.

Listing courtesy of Cheyenne Bouyea · Real Broker LLC · REIN MLS #10657402

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

349 Pepper Cove Way sits in Susan, Virginia — a quiet, water-adjacent corner of Mathews County. This three-bedroom, two-bath home was built in 2000 and offers 1,680 square feet of comfortable living space. Naval Weapons Station Yorktown is about 33 minutes away. Life here runs at a slower, more deliberate pace.

Read the full overview ↓

Why this home stands out

Susan, Virginia is genuinely off the beaten path, and that is exactly the point. Mathews County wraps around the Chesapeake Bay and its tributaries, so water is never far from any direction. A street name like Pepper Cove Way signals exactly the kind of setting you get here — cove-side calm, mature trees, and neighbors who wave. This is not a subdivision built around a clubhouse. It is a place built around a way of life.

ALL OTHERS AREA 126 and the Susan real estate market

Susan is an unincorporated community in Mathews County, tucked along the tidal creeks and coves that define this part of the Virginia Middle Peninsula. The streets here are quiet and tree-lined. Housing tends to be single-family homes on generous lots, and the overall feel is rural without being remote. Mathews County itself is one of the smaller counties in Virginia, which means low traffic and a genuine small-town rhythm. The county seat, Mathews Court House, is a short drive and carries the basics — a post office, local shops, and a courthouse square that still functions as a community hub. Getting around the broader region means heading north toward Gloucester or west toward Williamsburg, both reachable within 30 to 40 minutes. Anyone comparing homes for sale in Virginia 23163 will notice that properties here tend to sit on larger parcels than you find closer to the urban core. The Chesapeake Bay and its tributaries shape everything about daily life in Mathews County — the air, the pace, and the view from almost any road.

What's nearby

Daily errands are manageable from 349 Pepper Cove Way. Mathews Court House has a handful of local shops and services within a short drive. Gloucester Point is roughly 25 to 30 minutes north and adds grocery options, pharmacies, and more dining variety. The Colonial Parkway and historic Yorktown are about 35 minutes away, offering waterfront dining and weekend walking. Gloucester's Main Street carries coffee shops, hardware stores, and local restaurants worth the drive. Water access points, boat ramps, and county parks dot the surrounding area throughout Mathews County.

For different buyers

Base commute and VA loan notes

Naval Weapons Station Yorktown is about 33 minutes from 349 Pepper Cove Way, and Camp Peary runs about 35 minutes out. VA loan financing is a common and practical choice for properties in Mathews County. The home's three bedrooms and 1,680 square feet give you real space without the density of base-adjacent neighborhoods. A quieter commute corridor is part of the trade-off here.

For first-time buyers

A 2000-built home with three bedrooms and two full baths at 1,680 square feet is a solid starting point. Mathews County properties tend to offer more lot space than comparable homes closer to the urban core. The pace of life here is genuinely low-pressure. VA loan financing is widely used in this corridor, and the county's smaller scale means less competition than larger Hampton Roads markets.

More buyer questions

How far is 349 Pepper Cove Way from Naval Weapons Station Yorktown?

The drive runs about 33 minutes under normal conditions, heading north through Gloucester County toward Yorktown. Camp Peary is a similar distance at roughly 35 minutes.

What is the flood zone status for 349 Pepper Cove Way?

Mathews County properties near tidal coves can carry flood zone designations, and this address should be reviewed carefully. The FloodRisk tile on this page carries the current FEMA flood zone information for this address.

Is there an HOA at 349 Pepper Cove Way?

HOA status for this address is listed in the property details above. Mathews County has many properties without HOA oversight, though some cove-side communities do have shared agreements.

What is the lot size at 349 Pepper Cove Way?

Lot size details are listed in the property specs above. Parcels in this part of Mathews County tend to run larger than suburban lots closer to Hampton Roads.

How far is Susan, Virginia from Williamsburg?

Williamsburg is roughly 35 to 45 minutes from Susan depending on your exact route and traffic through Gloucester Point. The Colonial Parkway entrance near Yorktown is a scenic option on that drive.

Want to see 349 Pepper Cove Way in person? Tom and Dariya Milan are ready to walk you through it and answer every question about this corner of Mathews County.

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

Homes like this one sell fast — see the next one first

Susan$170K – $230K3+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

  • ElementaryOther Elementary School
    —
  • MiddleThomas Hunter Middle
    —
  • HighMathews
    —

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

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

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51115C

High Risk

FEMA flood zone

AE (1% annual chance)

Base flood elevation

6 ft above sea level

Property elevation

4.1 ft above sea level

1.9 ft below BFE

USGS 3DEP digital elevation model

Special Flood Hazard Area — 1% annual chance of flooding. Federal flood insurance is required on most mortgages.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

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

$1,216/mo

Principal & interest

$1,038

Property tax

$120

Home insurance

$58

PMI

None

HOA/Condo (paid separately)

None

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. 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

Own a home nearby? See what it is worth today — What's your Susan home worth?

Sale & Tax History

List Price

$200,000

Price / Sq Ft

$119

Annual Taxes

$1,438

Monthly Tax

$120

HOA

None

Tax Rate (effective)

0.72%

Sale Timeline (this listing)

EventDatePriceDetail
ListedOct 11, 2026$200,000—
Currently listed—$200,000—

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:

Susan 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.

Market tempo

0 days on market — read it in context

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Is 349 Pepper Cove Way in a good school zone?+
The assigned zones on the listing record are Other Elementary School, Thomas Hunter Middle, Mathews. School attendance zones can change — always confirm enrollment with the local school division.
Is 349 Pepper Cove Way 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 349 Pepper Cove Way a waterfront property?+
Yes. The listing record shows: Creek,Deep Water,Marsh,Restrictions.
Does 349 Pepper Cove Way have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 349 Pepper Cove Way built?+
It was built in 2000, 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

Brokered by LPT Realty · Hampton Roads · answer their own phone

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

Listing courtesy of Cheyenne Bouyea · Real Broker LLC · REIN MLS #10657402

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.

349 Pepper Cove Way, Susan — photo

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

Call or text (757) 777-7577

349 Pepper Cove Way, Susan, Virginia 23163 · MLS #10657402 · 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.

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