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✓ Source: REIN MLS #10649168 · record updated Aug 29, 2026 · synced every 2 min · your inquiry is never resold
96 Gum Thicket RD, GWYNN VA 23066 - Main photo
3beds
2baths
1,531sqft
16days on market

96 Gum Thicket Rd, Gwynn, VA 23066

Off MarketResidential · built 1860 · GWYNN ISLAND

About this home

"Oakwood Cottage Farmhouse" - "Circa-1860 farmhouse offered strictly AS-IS. Cash or appropriate renovation financing required. Approximately 1,513 square feet with three bedrooms and two baths, situated on approximately 0.89 acres across two parcels on Gwynn's Island. The property includes a detached two-car garage with loft storage, a separate storage shed, and a large, level, cleared backyard. Located outside the designated flood zone; NO FLOOD ZONE, no HOA. This home requires some renovation and is not expected to qualify for some types of government-backed financing in its current condition. Seller will make no repairs or provide repair credits. Best suited to an experienced renovator, investor, or cash buyer. Buyers and their lenders are responsible for verifying financing eligibility and conducting their own due diligence. A Must see property in Prime Gwynn's Island Area. Come to see "The Cottage" at Gwynnsville, VA- A unique opportunity to own a home on Gwynn's Island and make it your own. Call Agent for further details.

Listing courtesy of Deborah Morgan · Morgan and Edwards Real Estate · REIN MLS #10649168

Facts & features

Type

Residential

Year built

1860

Price / sqft

$131

HOA

None

Taxes

$899/yr

County

Mathews County VA

MLS #

10649168

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,531
Stories
2
Flooring
Other, Vinyl
First-floor bed & full bath
Yes
Total rooms
7
Other rooms
1st Floor BR, Attic
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Equipment
Ceiling Fan, Water Softener

Construction & exterior

Style
Farmhouse
Subtype
Detached
Foundation
Crawl
Roof
Metal
Exterior
Vinyl,Wood
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Lot size
0.8900
Subdivision
GWYNN ISLAND
Zoning
RESI
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 2 Car, Driveway Spc
Possession
AT CLOSING
Disclosures
Disclosure Statement

Sources: REIN MLS record

Tom & Dariya's overview

Our read on this home

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

At a glance

A three-bedroom, two-bath home built in 1860 on Gwynn Island, Virginia — where the Chesapeake Bay shapes daily life and 1,531 square feet of historic character meets the quiet rhythms of one of the Middle Peninsula's most storied waterside communities.

Read the full overview ↓

Why this home stands out

Homes from 1860 don't come along every day, and 96 Gum Thicket Road carries that rare combination of age and place. Sitting on Gwynn Island in Mathews County, this property puts you at the edge of the Chesapeake Bay in a community where the pace is deliberate, the scenery is genuine, and the connection to Virginia's maritime past is woven into the landscape itself. For buyers who want something with real history and real water-country character, this address delivers both.

GWYNN ISLAND and the Gwynn real estate market

Gwynn Island is a small, tidal island in Mathews County, connected to the mainland by a swing bridge over Milford Haven. It's the kind of place that draws people who want to be close to the water without the noise of a resort town — working watermen, weekend boaters, and longtime locals share the same narrow roads and the same wide views of the Chesapeake Bay. The community of Gwynn sits at the island's northern end, where you'll find a mix of historic homes, modest cottages, and properties that have been in families for generations. Mathews County as a whole is one of Virginia's least densely populated counties, which means dark skies, quiet mornings, and a genuine small-town atmosphere. If you've been searching for a 3-bedroom home in Gwynn, Virginia with authentic character and a setting that feels genuinely apart from the suburban sprawl of the greater Hampton Roads region, this is the kind of address worth understanding deeply.

What's nearby

Day-to-day errands take you off the island into the broader Mathews County area — the town of Mathews Courthouse is roughly 20 minutes away and serves as the county's commercial hub, with grocery options, a pharmacy, and local dining. The Mathews Farmers Market draws regulars throughout the growing season. Gwynn Island itself is home to the Gwynn Island Museum, which documents the island's maritime and community history, and the public boat ramp at Milford Haven gives direct water access for fishing and crabbing. Deltaville, a well-known boating destination on the Northern Neck side, is about 30 minutes by road. Williamsburg and its full range of retail, dining, and medical services is approximately an hour northwest.

For different buyers

For first-time buyers

If you're buying your first home and want something genuinely different from a cookie-cutter subdivision, 96 Gum Thicket Road offers a starting point with real character. A 3-bedroom, 2-bath layout gives you room to grow, and Mathews County's lower cost of living compared to the urban Hampton Roads corridor means your dollar goes further here. The tradeoff is a rural, water-country lifestyle — and for the right buyer, that's not a tradeoff at all.

For buyers drawn to character

For buyers who specifically seek out homes with age and authenticity, an 1860 build in Gwynn, Virginia is a compelling find. The Middle Peninsula's Chesapeake Bay communities have largely escaped the redevelopment pressure that has reshaped coastal areas closer to Norfolk and Virginia Beach, which means properties like this one retain their original sense of place. Three bedrooms and two baths across 1,531 square feet is a manageable footprint — enough space to live comfortably, small enough to steward thoughtfully.

More buyer questions

How far is 96 Gum Thicket Road from Camp Peary?

Camp Peary is approximately 47 minutes from 96 Gum Thicket Road, traveling northwest through Mathews County and into the York County area. The drive is primarily along rural two-lane roads and U.S. Route 17.

What county is Gwynn Island in?

Gwynn Island is part of Mathews County, Virginia — one of the smallest and least densely populated counties on the Middle Peninsula, known for its Chesapeake Bay shoreline and maritime heritage.

Is 96 Gum Thicket Road in a flood zone?

Given Gwynn Island's low-lying coastal geography and proximity to Milford Haven and the Chesapeake Bay, flood zone status is an important consideration for this address — review the FEMA flood map and consult the FloodRisk tile on this page for the most current designation.

How do you get to Gwynn Island?

Gwynn Island is accessed via a swing bridge over Milford Haven, connecting it to the Mathews County mainland near the village of Hudgins. The bridge is the island's single point of road access.

What is the architectural style of a home built in 1860 in Gwynn, Virginia?

Mid-nineteenth-century homes in rural Tidewater Virginia were typically built in vernacular styles — practical, wood-framed structures reflecting local building traditions rather than formal architectural movements, often with additions and modifications layered on over subsequent decades.

Tom and Dariya Milan at LPT Realty know the Hampton Roads and Middle Peninsula markets well — reach out to talk through what 96 Gum Thicket Road could mean for you.

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

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each. Straight-line distances in “What’s nearby” are shorter.

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

Gwynn$165K – $230K3+ beds

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Schools

VaHome School Score

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

  • ElementaryMathews
    —
  • MiddleMathews
    —
  • 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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51115C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

6.1 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 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.

Hurricane Evacuation Zone

Evacuation Zone A

Source: Virginia Dept. of Emergency Management — Know Your Zone

Location intelligence

What's nearby

Location & Neighborhood

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

Military Commute

Drive times to nearest bases

Camp Peary

DoD

63min·45mi

NWS Yorktown

Navy

49min·36mi

JBLE Langley

Air Force

76min·55.9mi

JBLE Ft Eustis

Army

57min·42.8mi

NS Norfolk

Navy

82min·66.2mi

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

Payment Calculator

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

$1,170/mo

Principal & interest

$1,037

Property tax

$75

Home insurance

$58

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

Comparables

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

Sale & Tax History

List Price

$199,900

Price / Sq Ft

$131

Annual Taxes

$899

Monthly Tax

$75

HOA

None

Tax Rate (effective)

0.45%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 14, 2026$199,900—
Price reducedAug 15, 2026$199,900−$45,100
Currently listed—$199,900—

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:

Gwynn 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.

Questions buyers ask

Is 96 Gum Thicket Rd in a good school zone?+
The assigned zones on the listing record are Mathews, Mathews, Mathews. School attendance zones can change — always confirm enrollment with the local school division.
Is 96 Gum Thicket Rd 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.
Does 96 Gum Thicket Rd have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 96 Gum Thicket Rd built?+
It was built in 1860, 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

Listing courtesy of Deborah Morgan · Morgan and Edwards Real Estate · REIN MLS #10649168

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

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96 Gum Thicket Rd, Gwynn — photo

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

Call or text (757) 777-7577

96 Gum Thicket Rd, Gwynn, Virginia 23066 · MLS #10649168 · 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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