Skip to main content
MathewsALL OTHERS AREA 126764 Lovers Ln✓ Source: REIN MLS #10628783 · record updated Sep 10, 2026 · synced every 2 min · your inquiry is never resold
764 Lovers LN, MATHEWS VA 23109 - Main photo
764 Lovers LN, MATHEWS VA 23109 - Photo 2
764 Lovers LN, MATHEWS VA 23109 - Photo 3
764 Lovers LN, MATHEWS VA 23109 - Photo 4
764 Lovers LN, MATHEWS VA 23109 - Photo 5
4beds
3.1baths
1,890sqft
154days on market

764 Lovers Ln, Mathews, VA 23109

ActiveResidential · built 1973 · 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, Dock, Navigable.

Frontage

Creek ✓ VERIFIED

Dock

Dock

Source: REIN MLS listing record · waterfront features as listed

Facts & features

Type

Residential

Year built

1973

Price / sqft

$291

HOA

None

Taxes

$2,010/yr

County

Mathews County VA

Waterfront

Yes

MLS #

10628783

Interior

Bedrooms
4
Full baths
3
Half baths
1
Approx. sqft
1,890
Stories
1
Flooring
Ceramic, Laminate/LVP
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
5
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, PBR with Bath, Sun Room, Utility Room
Appliances
Dishwasher, Dryer, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer, Washer Hookup
Equipment
Ceiling Fan
Accessibility
Level Flooring, Main Floor Laundry

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick
Pool
No Pool
Fencing
Back Fenced,Chain Link
Waterfront
Creek,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
4.7000
Subdivision
ALL OTHERS AREA 126
Zoning
R-1
Ownership
Fee Simple
Garage
No
Parking
Off Street, Driveway Spc
Possession
W/DEED
Disclosures
Disclosure Statement

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

About this home

Discover serene waterfront living at its finest in this beautifully maintained 4BR, 3BA ranch home. Nestled along the peaceful Stutts creek w/water views from multiple rooms, this single-level gem offers effortless one-level living and an inviting open-concept floor plan perfect for everyday comfort & effortless entertaining. Step inside to expansive living spaces bathed in natural light, where the open layout seamlessly connects the kitchen, dining area, & family room. The sunroom is the highlight—a tranquil oasis overlooking the creek, ideal for morning coffee, quiet reading, or hosting sunset gatherings. With 4 generously sized BR and 3 full bathrooms, there's plenty of room for family, guests, or a home office. Outside, the private pier invites you to cast a line, launch a kayak, or simply relax by the water's edge. Enjoy direct creek access & panoramic views that bring the beauty of nature right to your doorstep.

Listing courtesy of Shannon French · Southern Trade Realty Inc. · REIN MLS #10628783

Tom & Dariya's overview

Our read on this home

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

At a glance

764 Lovers Lane sits on a quiet stretch of Mathews County, Virginia — a four-bedroom, three-and-a-half-bath home built in 1973 with nearly 1,900 square feet of living space and the kind of unhurried, small-town waterfront-county lifestyle that's genuinely hard to find anywhere else on the Peninsula.

Read the full overview ↓

Why this home stands out

What sets 764 Lovers Lane apart is the combination of generous bedroom count — four bedrooms and three full baths plus a half bath in under 2,000 square feet — and its location in Mathews County, one of the most scenic and least-crowded counties on the Chesapeake Bay. You get breathing room, genuine quiet, and a community that still feels like a real place rather than a suburb.

ALL OTHERS AREA 126 and the Mathews real estate market

Mathews, Virginia is a small peninsular county tucked between the York River and the Chesapeake Bay, and daily life here runs at a pace most people spend years searching for. The county seat is compact and walkable, with local businesses lining Main Street and a genuine sense of community that shows up at the farmers market, the waterfront park, and the annual county fair. Lovers Lane itself is a residential street with a character all its own — the name alone tells you something about the neighborhood's personality. Mathews County sits within the Middle Peninsula region of Virginia, roughly equidistant from Williamsburg and the Northern Neck, making it a genuine retreat without being remote. For families comparing homes for sale in Virginia Beach or the broader Hampton Roads corridor who want more land, more sky, and less traffic, Mathews consistently comes up as the alternative worth a serious look.

What's nearby

Day-to-day convenience is closer than you might expect. Linda's Diner, a local staple, is just 0.7 miles away — the kind of spot where the coffee is always on and the regulars know your name. Salty Dog Pizzeria is under a mile out at 0.9 miles, covering Friday-night dinner without a drive. Mathews County Parks and Recreation is a mile from the door, giving you easy access to outdoor space, ball fields, and community programming. For bigger grocery runs or specialty shopping, the Gloucester corridor is a reasonable drive north, and Williamsburg's full retail lineup is accessible when you need it.

For different buyers

For military families relocating

Naval Weapons Station Yorktown is approximately 41 minutes from 764 Lovers Lane, and Camp Peary sits about 40 minutes out — both reachable without navigating heavy Hampton Roads traffic. For service members who qualify for a VA loan, Mathews County's lower price-per-acre profile can make the math work in ways that closer-in markets simply don't allow. The tradeoff is a commute through genuinely beautiful Virginia countryside.

For buyers drawn to character

If what you're looking for is a home with a real address — one that carries a little poetry in its name and sits in a county that hasn't been paved over — 764 Lovers Lane delivers. Mathews County is the kind of place where neighbors still wave, the night sky is actually dark, and the Chesapeake Bay is never far from view. This is a 1973-built home with four bedrooms and room to make it entirely your own.

More buyer questions

How far is 764 Lovers Lane from Naval Weapons Station Yorktown?

Naval Weapons Station Yorktown is approximately 41 miles from 764 Lovers Lane, typically a 41-minute drive via Route 17 and the George P. Coleman Bridge. The route is straightforward and avoids most of the congestion common to the Hampton Roads tunnel corridors.

What is the flood zone status for 764 Lovers Lane in Mathews County?

Mathews County is a low-lying coastal county and portions of it carry elevated flood risk designations — your agent can pull the current FEMA flood map panel for this specific parcel, and the FloodRisk tile on this page provides up-to-date zone information.

Is there an HOA at 764 Lovers Lane?

Based on available property data, 764 Lovers Lane does not appear to be governed by a homeowners association, though buyers should confirm this during due diligence with a title search and county records review.

What is the square footage and layout of 764 Lovers Lane?

The home offers 1,890 square feet of finished living space across four bedrooms and three full bathrooms plus a half bath — a layout that works well for families, guests, or anyone who wants a dedicated home office without sacrificing sleeping rooms.

Where is Mathews, Virginia relative to the rest of Hampton Roads?

Mathews County sits on the Middle Peninsula, roughly 40–50 minutes north of the Hampton Roads metro core, accessible via the George P. Coleman Bridge from Yorktown. It's close enough for occasional trips into the region but far enough to feel genuinely removed from suburban density.

Tom and Dariya Milan at LPT Realty know this corner of Virginia well. Reach out to get a straight answer on what 764 Lovers Lane could mean for you.

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

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

Mathews$465K – $635K4+ beds

Listings refresh every 2 minutes, straight from the MLS. At most one email a day. Unsubscribe anytime.

Schools

VaHome School Score

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

  • ElementaryMatthews Elementary
  • 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 5 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

$3,181/mo

Principal & interest

$2,853

Property tax

$168

Home insurance

$160

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

Price context — similar nearby homes

$200,000$595,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 2 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

20 Pine Hall RD · 0.7 mi · 1,760 sqft$200,000 sold 2026-07
10661 Buckley Hall RD · 1 mi · 1,883 sqft$385,000 active
57 Irvinville LN · 1.7 mi · 2,000 sqft$265,000 sold 2026-06

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

Sale & Tax History

List Price

$549,900

Price / Sq Ft

$291

Annual Taxes

$2,010

Monthly Tax

$168

HOA

None

Tax Rate (effective)

0.37%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 9, 2026$549,900
Price reducedAug 19, 2026$549,900−$25,000
Currently listed$549,900

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:

Mathews 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

154 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 764 Lovers Ln in a good school zone?+
The assigned zones on the listing record are Matthews Elementary, Thomas Hunter Middle, Mathews. School attendance zones can change — always confirm enrollment with the local school division.
Is 764 Lovers Ln in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 5 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.
Are there parks near 764 Lovers Ln?+
Mathews County Parks and Recreation is about 0.9 miles away.
Is 764 Lovers Ln a waterfront property?+
Yes. The listing record shows: Creek,Dock,Navigable.
Does 764 Lovers Ln have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 764 Lovers Ln built?+
It was built in 1973, 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 Shannon French · Southern Trade Realty Inc. · REIN MLS #10628783

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.

764 Lovers Ln, Mathews — photo

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

Call or text (757) 777-7577

764 Lovers Ln, Mathews, Virginia 23109 · MLS #10628783 · 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.