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Mathews › ALL OTHERS AREA 126 › 764 Lovers Ln✓ Source: REIN MLS #10628783 · record updated Jul 16, 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
$574,900
$304 / sqft · est. $3,318/mo →
4beds
3.1baths
1,890sqft
99days 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

About this home

The listing, in the seller's words

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

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

764 Lovers Lane sits on a quiet Mathews County road and packs four bedrooms and three and a half baths into a manageable footprint — all within a short drive of the York River corridor and two military installations west of the Chesapeake Bay.

Read the full overview ↓

Why this home stands out

Four bedrooms and 3.1 baths in a 1,712-square-foot, 1973-built home is a genuinely efficient layout for Mathews County — a rural coastal county where larger lot sizes and elbow room between neighbors are the norm rather than the exception. The address sits on Lovers Lane, a road whose name alone tends to stick in people's minds, and the surrounding landscape trades suburban density for open sky and tidal-county character.

ALL OTHERS AREA 126 and the Mathews real estate market

Mathews County is one of Virginia's smallest and most water-defined jurisdictions — a peninsula bounded by the Chesapeake Bay to the east and a web of creeks and rivers on every other side. Life here moves at a pace that's hard to replicate closer to the metro. There are no traffic lights in the county, and the landscape shifts quickly from pine woods to salt marsh to open water. The town of Mathews Court House anchors the county's commercial and civic life, and 764 Lovers Lane is close enough to reach it in minutes. Residents tend to know their neighbors, support local watermen, and spend weekends on the water or along the county's quiet back roads. For buyers searching for Mathews County real estate, this address offers genuine rural-coastal living without the isolation of the county's more remote reaches — a balance that's harder to find than it sounds.

What's nearby

Daily errands and casual meals are closer than the rural setting might suggest. Linda's Diner is just 0.7 miles away — a local staple for breakfast and lunch that regulars treat as a community gathering spot. Salty Dog Pizzeria is 0.9 miles out and covers dinner nights without a long drive. Mathews County Parks and Recreation, also about 0.9 miles away, gives you access to outdoor amenities, athletic fields, and community programming. For larger grocery runs or big-box shopping, Gloucester Courthouse is the practical hub, roughly 20 to 25 minutes west.

For different buyers

For military families relocating

Camp Peary is about 40 minutes west, and Naval Weapons Station Yorktown clocks in at roughly 41 minutes — both manageable commutes for service members who want to put real distance between work and home. A VA loan can make ownership here straightforward, and the county's lower cost basis compared to the Hampton Roads metro means your housing dollar stretches further in Mathews.

For buyers drawn to character

If your benchmark for a good address is personality over polish, Lovers Lane in Mathews County delivers. A 1973 build in a rural coastal county carries the bones of an era when homes were built to last, and the surrounding landscape — tidal creeks, pine canopy, open sky — gives this property a sense of place that a subdivision simply cannot manufacture.

More buyer questions

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

Naval Weapons Station Yorktown is approximately 41 minutes from 764 Lovers Lane by car, heading west via Route 14 and Route 17. The drive is mostly rural two-lane road with light traffic outside of peak commute windows.

What county is 764 Lovers Lane in?

764 Lovers Lane is located in Mathews County, Virginia — one of the state's smaller peninsular counties, known for its Chesapeake Bay access and rural coastal character.

Is 764 Lovers Lane in a flood zone?

Mathews County has significant flood-zone coverage given its tidal geography, so it's worth reviewing the FEMA flood map for this specific parcel — check the FloodRisk tile on this page for the current designation.

How many bedrooms and bathrooms does 764 Lovers Lane have?

The home has four bedrooms and three and a half bathrooms across 1,712 square feet, built in 1973.

Where is the nearest grocery store to 764 Lovers Lane?

The nearest full-service grocery options are in Gloucester Court House, roughly 20 to 25 minutes west of 764 Lovers Lane via Route 14.

Tom and Dariya Milan at LPT Realty know Mathews County and the surrounding Hampton Roads region well — reach out to talk through whether 764 Lovers Lane fits your goals.

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

Schools

  • ElementaryMatthews Elementary
    —
  • MiddleThomas Hunter Middle
    —
  • HighMathews
    —

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1973

Price / sqft

$304

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

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

$3,318/mo

Principal & interest

$2,983

Property tax

$168

Home insurance

$168

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

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.

Price context — similar nearby homes

$200,000 – $459,900

The 3 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
57 Irvinville LN · 1.7 mi · 2,000 sqft$265,000 sold 2026-06
44 Fleetwood CIR · 0.8 mi · 2,179 sqft$459,900 under contract

Sale & Tax History

List Price

$574,900

Price / Sq Ft

$304

Annual Taxes

$2,010

Monthly Tax

$168

HOA

None

Tax Rate (effective)

0.35%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 8, 2026$574,900—
Price reducedJul 16, 2026$574,900−$25,000
Currently listed—$574,900—

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

99 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

Real questions, answered from the record

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

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.

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