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Mathews › ALL OTHERS AREA 126 › 764 Lovers Ln✓ Source: REIN MLS #10628783 · record updated Sep 12, 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
157days 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

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 ↓

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.

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

Mathews$465K – $635K4+ beds

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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; 3 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
44 Fleetwood CIR · 0.8 mi · 2,179 sqft$450,000 sold 2026-09
10661 Buckley Hall RD · 1 mi · 1,883 sqft$385,000 under contract

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

157 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.

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