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
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
TypeResidential
Year built1973
Price / sqft$291
HOANone
Taxes$2,010/yr
CountyMathews County VA
WaterfrontYes
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
Four-bedroom, three-bath home on Lovers Lane in Mathews. Built in 1973, this 1,890-square-foot residence offers comfortable living in a rural Virginia setting. About 40 minutes to Camp Peary and 41 minutes to Naval Weapons Station Yorktown.
Read the full overview ↓Show less ↑
Why this home stands out
This home sits on a quiet country road with genuine rural character. The layout spans 1,890 square feet across four bedrooms and three full baths, giving you room to spread out. The 1973 construction means solid bones and a floor plan built for living, not just passing through. Mathews County living means slower pace, open space, and a genuine sense of place.
ALL OTHERS AREA 126 and the Mathews real estate market
Mathews is a quiet, rural corner of the Virginia Peninsula. Lovers Lane runs through the kind of landscape where neighbors have breathing room and privacy matters. You'll find a mix of established homes set back from the road, with mature trees and open yards. The county seat, Mathews Courthouse, sits about 10 minutes away and handles local services. Getting around means driving—there's no public transit—but that's the trade-off for genuine country living. The nearest grocery and pharmacy are in nearby towns like Gloucester or West Point, each about 15–20 minutes away. The Mathews area has a strong maritime heritage and waterfront access to the Chesapeake Bay region, though this address itself is inland.
What's nearby
Mathews Courthouse is roughly 10 minutes south, home to county services and a small downtown. Gloucester Point, about 15 minutes away, sits on the water and offers boat launches and waterfront parks. West Point, also about 15 minutes away, has grocery stores, pharmacies, and local dining. The Colonial Parkway—a scenic route to Williamsburg and Yorktown—is about 20 minutes away. Naval Weapons Station Yorktown is 41 minutes northeast.
For different buyers
Base commute and VA loan notes
About 40 minutes to Camp Peary and 41 minutes to Naval Weapons Station Yorktown. VA loan financing works well in this price range and area. The home's four bedrooms and established layout mean you can move in without immediate renovation, and the rural setting offers genuine quiet for downtime between duty cycles.
Room to grow
Four bedrooms and three full baths give you space to grow without major renovation. The 1,890-square-foot layout includes room for a home office or guest space. Open yards and country roads mean outdoor space for kids and pets. The established neighborhood has mature trees and a slower pace that many find ideal for raising a household.
More buyer questions
How far is 764 Lovers Lane from Naval Weapons Station Yorktown?
About 41 minutes by car, heading northeast through Mathews County and across the Peninsula.
What is the commute from this address to Camp Peary?
Roughly 40 minutes, depending on traffic and your exact route across the Peninsula.
Does this home have enough bedrooms for a larger household?
Yes—four bedrooms and three full baths give you space for a family or home office setup.
Is Mathews a rural area?
Yes, it's a quiet, rural county with open space, country roads, and a slower pace of life. Most services and shopping require a short drive to nearby towns.
What year was this home built?
The home was built in 1973 and spans 1,890 square feet.
Ready to explore this Mathews home? Reach out to Tom & Dariya Milan at LPT Realty to schedule a tour or ask questions.
Summary generated by AI from public records and publicly available information.
Schools · VaHome School ScoreAssigned schools
Our own 1–10 rating, scored from Virginia Department of Education data.
HighMathews
—
MiddleThomas Hunter Middle
—
ElementaryMatthews Elementary
—
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.
How Far Is?
Driving distance by road and typical drive time via Google Maps, to the nearest location of each.
Also nearby
Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.
Homes like this one sell fast — see the next one first
Mathews$465K – $635K4+ beds
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Military Commute
Drive times to nearest bases
🏛️
Camp Peary
DoD
57min·42.8mi
⚓
NWS Yorktown
Navy
45min·32.6mi
✈️
JBLE Langley
Air Force
71min·51.6mi
⭐
JBLE Ft Eustis
Army
53min·39.5mi
⚓
NSA HR
Navy
78min·63.4mi
Typical drive times from Google Maps, without live traffic. Rush hour and tunnel backups can add time.
Flood & environmentFlood risk (FEMA)
FEMA flood zone AE · base flood elevation 5 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
5 ft above sea level
Property elevation
5.7 ft above sea level
0.7 ft above 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’s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service — 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.
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 & historyComparables
Price context: similar nearby homes$200,000 – $450,000The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 4 sold). Context for judging the asking price, not an appraisal or an estimate of this home's value.
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:
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.
210 days on market: read it in context
Days on market reflects pricing, season, and inventory. Compare it against similar nearby homes before reading anything into it.
CompareThis home next to what else is for sale nearby
Home
Price
Beds
Baths
Sqft
$ / sqft
764 Lovers Lnthis home
$549,900
4
3.1
1,890
$291
Loading nearby homes for sale…
Active comparables from the REIN MLS, the same homes shown under Comparable Properties. Context for judging the asking price, not an appraisal.
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.
Tom & Dariya Milan | LPT Realty
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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.
