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SusanALL OTHERS AREA 126364 Millers Ln✓ Source: REIN MLS #10612696 · record updated Sep 3, 2026 · synced every 2 min · your inquiry is never resold
364 Millers LN, SUSAN VA 23163 - Main photo
364 Millers LN, SUSAN VA 23163 - Photo 2
364 Millers LN, SUSAN VA 23163 - Photo 3
364 Millers LN, SUSAN VA 23163 - Photo 4
364 Millers LN, SUSAN VA 23163 - Photo 5
3beds
1.2baths
2,176sqft
272days on market

364 Millers Ln, Susan, VA 23163

ActiveResidential · built 1963 · 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.

Frontage

Creek ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

Facts & features

Type

Residential

Year built

1963

Price / sqft

$298

HOA

None

Taxes

$3,090/yr

County

Mathews County VA

Waterfront

Yes

MLS #

10612696

Interior

Bedrooms
3
Full baths
1
Half baths
2
Approx. sqft
2,176
Stories
2
Flooring
Ceramic, Vinyl, Wood
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
Sun Room, Unfin.Rm Over Gar, Utility Room, Workshop
Appliances
Dishwasher, Dryer, Elec Range, Gas Range, Refrigerator, Washer
Equipment
Backup Generator, Ceiling Fan, Water Softener

Construction & exterior

Style
Cape Cod
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick,Vinyl
Pool
No Pool
Waterfront
Creek

Utilities & systems

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

Lot, parking & ownership

Lot size
2.0000
Subdivision
ALL OTHERS AREA 126
Zoning
RESI
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 3+ Car, Garage Det 3+ Car, Oversized Gar, Driveway Spc
Possession
AT CLOSING
Disclosures
Disclosure Statement, Estate

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

About this home

Old Meeting House Creek/Horn Harbor waterfront Brick Cape Cod on 2 Acres. Large living/dining room with fireplace, kitchen, family room (could be a 1st floor bedroom), 1/2 bath, utility room, & Florida room on first floor. Second floor offers 3 bedrooms and 1.5 bathrooms. This home features: hardwood floors, Roof (2017) HVAC (2012/2013) 2 zoned, whole house generator, ceramic tile, woodburning fireplace, Kinetico Water treatment system, cedar lined closet, Gas Hot water heater, replacement windows, laundry room with refrigerator, propane stove, and plenty of cabinet & a handicapped ramp. You will love the attached 2 car garage + workshop area (1,0421 sq ft) with unfinished room above. Also a 5,289 sq' det. garage/workshop with partial HVAC! Concrete patio, driveway, and all around the garage area. Beautiful landscaping and nice views on protected creek which is quick to Horn Harbor (Horn Harbor Marina around the corner) and quick to Chesapeake Bay!! A must see! No Flood Zone!

Listing courtesy of Renee Edwards · Morgan and Edwards Real Estate · REIN MLS #10612696

Tom & Dariya's overview

Our read on this home

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

At a glance

364 Millers Lane sits on two private acres in Susan, Virginia — a 1963-built, 2,176-square-foot home with three bedrooms, one full and two half baths, and the kind of quiet, rural breathing room that's genuinely hard to find this close to the Middle Peninsula's waterways and commuter corridors.

Read the full overview ↓

Why this home stands out

Two acres in Middlesex County is the headline here. The 1963 construction gives the home real bones — solid, unhurried craftsmanship from an era when lots were generous and walls were thick. At 2,176 square feet across three bedrooms, there's genuine living space inside, and outside you have room to garden, park a boat trailer, or simply enjoy a yard that doesn't share a fence line with anyone. That combination of interior square footage and exterior acreage is increasingly rare in this part of Virginia.

ALL OTHERS AREA 126 and the Susan real estate market

Susan is a small, unincorporated community in Middlesex County, tucked along the rural Middle Peninsula between the Piankatank River and the Rappahannock River. Life here moves at its own pace. Neighbors tend to know each other, lots are measured in acres rather than feet, and the landscape is a mix of working farms, wooded parcels, and water-access properties that draw people who want genuine distance from the suburban grid. Middlesex County governs the area, keeping the tax base modest and the development pressure low. Route 3 is the main artery connecting Susan to Saluda — the county seat — and to Gloucester and beyond. The Chesapeake Bay and its tributaries are never far, which means fishing, crabbing, and boating are woven into everyday life rather than reserved for vacations. If you've been comparing homes for sale in Virginia 23163, you already know how few two-acre parcels come available in this zip code.

What's nearby

Saluda, about fifteen minutes west, handles most everyday errands — grocery stores, pharmacies, hardware, and a handful of local restaurants anchor the town center. Deltaville, roughly ten minutes southeast, is a serious boating hub with marinas, boat yards, and waterfront dining that draws sailors from across the Bay. Urbanna, a small colonial-era town on the Rappahannock, is about twenty minutes away and worth the drive for its waterfront park, oyster festival grounds, and independent shops. Gloucester Courthouse is accessible in under thirty minutes for a broader range of services. Richmond sits roughly ninety minutes west for major medical, airport, and urban amenities.

For different buyers

For military families relocating

Naval Weapons Station Yorktown is about a 34-minute drive from 364 Millers Lane, and Camp Peary adds a second option at roughly 36 minutes. For military households who want acreage, privacy, and a VA loan-friendly property type instead of a subdivision townhome, this Middle Peninsula location threads the needle — close enough to the installations, far enough from the base-perimeter congestion that can eat into off-duty time.

For buyers drawn to character

Nineteen sixty-three construction on two private acres in rural Middlesex County — this is the kind of address that attracts buyers who want provenance over polish. The bones are real, the land is generous, and the surrounding community of Susan still feels like a place rather than a product. Families comparing homes for sale in Virginia 23163 who prioritize space, quiet, and a genuine sense of place will find this parcel checks boxes that newer subdivisions simply can't replicate.

More buyer questions

How far is 364 Millers Lane from Naval Weapons Station Yorktown?

The drive runs approximately 34 minutes under normal traffic conditions, heading west and north via Route 3 and Route 17. Camp Peary is a comparable 36-minute drive, giving military households two installation options from the same address.

What county is 364 Millers Lane in?

The property falls within Middlesex County, Virginia. Middlesex County handles zoning, permitting, and property tax assessment for this address.

Is 364 Millers Lane in a flood zone?

Flood zone designation for this address is detailed in the FloodRisk tile on this page — check there for the current FEMA map classification and what it means for insurance requirements.

What is the lot size at 364 Millers Lane?

The parcel measures two acres, which is notably generous for the Susan area and provides meaningful separation from neighboring properties along with room for outbuildings, gardens, or recreational use.

Can a VA loan be used to purchase a property like 364 Millers Lane?

Residential properties on acreage like this one are generally eligible for VA loan financing, provided the home meets VA appraisal and minimum property requirements — a VA-savvy lender can walk you through the specifics for rural parcels in Middlesex County.

Ready to walk the two acres and see the interior at 364 Millers Lane? Reach out to Tom and Dariya Milan at LPT Realty — they know Middlesex County and can arrange a private showing on your schedule.

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

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

Susan$550K – $750K3+ beds

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Schools

VaHome School Score

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

  • ElementaryMathews
  • 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 X · outside the high-risk area · FIRM 51115C

Flood Risk

Looking up FEMA flood zone…

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

$3,814/mo

Principal & interest

$3,368

Property tax

$258

Home insurance

$189

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

$649,000

Price / Sq Ft

$298

Annual Taxes

$3,090

Monthly Tax

$258

HOA

None

Tax Rate (effective)

0.48%

Sale Timeline (this listing)

EventDatePriceDetail
ListedDec 5, 2025$649,000
Price reducedSep 2, 2026$649,000−$40,000
Currently listed$649,000

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

272 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 364 Millers Ln in a good school zone?+
The assigned zones on the listing record are Mathews, Thomas Hunter Middle, Mathews. School attendance zones can change — always confirm enrollment with the local school division.
Is 364 Millers Ln in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Is 364 Millers Ln a waterfront property?+
Yes. The listing record shows: Creek.
Does 364 Millers Ln have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 364 Millers Ln built?+
It was built in 1963, 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 Renee Edwards · Morgan and Edwards Real Estate · REIN MLS #10612696

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.

364 Millers Ln, Susan — photo

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

Call or text (757) 777-7577

364 Millers Ln, Susan, Virginia 23163 · MLS #10612696 · 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.