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Carrollton › SOUTH HARBOR › 1020 Breakwater Trl✓ Source: REIN MLS #10603638 · record updated Nov 18, 2025 · synced every 2 min · your inquiry is never resold
1020 BREAKWATER TRL, CARROLLTON VA 23314 - Main photo
1020 BREAKWATER TRL, CARROLLTON VA 23314 - Photo 2
1020 BREAKWATER TRL, CARROLLTON VA 23314 - Photo 3
1020 BREAKWATER TRL, CARROLLTON VA 23314 - Photo 4
1020 BREAKWATER TRL, CARROLLTON VA 23314 - Photo 5
$357,790
$202 / sqft · est. $2,323/mo →
3beds
2.1baths
1,775sqft
0days on market

1020 Breakwater Trl, Carrollton, VA 23314

Under ContractResidential · built 2025 · SOUTH HARBOR

About this home

The listing, in the seller's words

Now selling the next phase at South Harbor Towns—a vibrant 55+ community in Carrollton, VA offering low-maintenance living with first-floor owner's suites, maintenance free-backyards, 2-car garages, and multi-million-dollar amenities. The Caroline model features nearly 1,800 sq ft of open living space, including a luxurious main-level owner's suite with dual vanities, walk-in shower, linen closet, and private water closet. The gourmet kitchen showcases a 10-foot island that flows into the great room and dining area. You can enjoy optional rear covered porch upgrades and maintenance-free backyards designed for relaxation without the upkeep. Upstairs includes two bedrooms, a full bath, and a walk-in storage room. Ready to experience South Harbor Towns? Schedule your tour today.

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10603638

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

1020 Breakwater Trl is a 2025-built, three-bedroom, two-and-a-half-bath home in Carrollton's South Harbor neighborhood. At 1,775 square feet, it delivers modern construction, an Isle of Wight County address, and easy access to Hampton Roads' major corridors — all in one tidy package.

Read the full overview ↓

Why this home stands out

Brand-new construction in 2025 means you're getting the latest building codes, energy standards, and finishes without the renovation guesswork. South Harbor is a planned community in Isle of Wight County, which means lower tax rates than many neighboring jurisdictions. Three bedrooms, two full baths, and a half bath give the layout real everyday flexibility — and there's no vintage-home compromise required to get it.

SOUTH HARBOR and the Carrollton real estate market

South Harbor sits in Carrollton, Virginia, a community within Isle of Wight County on the western shore of the James River. The area has a distinctly suburban-residential feel — newer streets, planned development, and a quieter pace than you'd find closer to the urban core of Hampton Roads. Carrollton connects easily to the James River Bridge, putting Newport News and the broader Peninsula within reach in minutes. Isle of Wight County has earned a reputation for well-managed growth and a lower cost of jurisdiction compared to the densely developed cities to the east. South Harbor itself is a newer subdivision where 2025-era homes like 1020 Breakwater Trl reflect current design sensibilities: open-concept layouts, efficient systems, and clean exteriors. Neighbors tend to be working families and professionals who want space, newer construction, and a commutable location without sacrificing a sense of community.

What's nearby

Day-to-day errands are genuinely close. Virginia Heaters is just 0.2 miles away — a quick trip when you need something fast. Field of Dreams Gymnastics Club is 0.6 miles out, a convenient option for active kids or anyone looking for a local fitness community. Nike Park is 0.7 miles away, offering open green space for weekend afternoons. Isle of Wight Parks rounds out the outdoor options at 0.9 miles, giving you county park access almost right outside the neighborhood. The James River Bridge corridor connects you to grocery chains, dining, and retail in Newport News within a short drive.

For different buyers

For military families relocating

NSA Northwest Annex is about 21 minutes from 1020 Breakwater Trl, and NSA Hampton Roads is roughly 25 minutes out — both well within a comfortable daily commute. Isle of Wight County's location keeps you off the most congested Hampton Roads routes. A VA loan pairs naturally with new construction like this, and the 2025 build date means no deferred maintenance surprises on day one.

For families upgrading

Three bedrooms and two and a half baths in a 2025-built home means you're stepping into space that actually works for a growing household — no retrofitting older layouts or chasing down aging systems. South Harbor's planned community feel, proximity to Nike Park and Isle of Wight Parks, and the nearby Field of Dreams Gymnastics Club make 1020 Breakwater Trl a practical upgrade for families who've outgrown their current situation.

More buyer questions

How far is 1020 Breakwater Trl from NSA Northwest Annex?

NSA Northwest Annex is approximately 21 minutes from 1020 Breakwater Trl under typical traffic conditions. The Isle of Wight County location generally keeps you clear of the heaviest Hampton Roads congestion on that route.

What county is 1020 Breakwater Trl in?

The property is in Isle of Wight County, Virginia. Isle of Wight County has its own tax jurisdiction and local services, separate from the incorporated cities of Hampton Roads.

Is 1020 Breakwater Trl part of an HOA?

South Harbor is a planned subdivision, and HOA governance is common in communities like this. You'll want to confirm current HOA status and any associated rules during the due-diligence period.

What is the flood risk at 1020 Breakwater Trl?

Flood zone designation for this address is displayed in the FloodRisk tile on this page. Given the 2025 build date, the home was constructed under current FEMA map standards — your lender or insurance agent can walk you through what that means for coverage.

Can a VA loan be used to purchase a new construction home like this?

Yes — a VA loan can absolutely be used on new construction, including 2025-built homes like 1020 Breakwater Trl, though the process involves a few extra steps such as builder approval and construction inspections. The VA loan page on this site has more detail.

Curious whether 1020 Breakwater Trl fits your next chapter? Tom and Dariya Milan at LPT Realty know South Harbor and the Isle of Wight County market well — reach out and let's talk through it.

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

Schools

  • ElementaryCarrollton Elementary
    —
  • MiddleCarrolton
    —
  • HighSmithfield
    —

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2025

Price / sqft

$202

Condo fee

$167/mo

Taxes

$2,340/yr

County

Isle of Wight County VA

MLS #

10603638

Condo association includes

ClubhouseGround MaintOtherPlaygroundsPoolRV Storage

$167/mo condo fee · None · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
2
Half baths
1
Approx. sqft
1,775
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor Primary BR, Attic, Foyer, PBR with Bath, Pantry, Porch, Spare Room
Appliances
Dishwasher, Dryer Hookup, Energy Star Appliance(s), Microwave, Range, Washer Hookup
Equipment
Cable Hookup, Gar Door Opener

Construction & exterior

Style
Traditional
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Fiber Cement
Pool
No Pool

Utilities & systems

Heating
Nat Gas, Programmable Thermostat
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
Other

Lot, parking & ownership

Subdivision
SOUTH HARBOR
Unit / floor
1
Ownership
Condo
Garage
Yes
Parking
Garage Att 2 Car, 2 Space, Covered, Driveway Spc
Possession
CLOSING
Miscellaneous
Warranty Plan
Disclosures
Exempt from Disclosure/Disclaimer

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

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 51093C

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

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

$2,156/mo

Principal & interest

$1,856

Property tax

$195

Home insurance

$104

PMI

None

HOA/Condo (paid separately)

$167

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

$287,000 – $470,990

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

383 Tributary LN · 0 mi · 1,898 sqft$470,990 sold 2026-02
2305 James River TRL · 1.2 mi · 1,675 sqft$287,000 sold 2026-03
1107 BREAKWATER TRL · 1.6 mi · 1,775 sqft$379,990 sold 2026-04

Sale & Tax History

List Price

$357,790

Price / Sq Ft

$202

Annual Taxes

$2,340

Monthly Tax

$195

Condo fee

$167 / mo

Tax Rate (effective)

0.65%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 9, 2026$357,790—
Currently listed—$357,790—

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:

Carrollton 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

Real questions, answered from the record

Is 1020 Breakwater Trl in a good school zone?+
The assigned zones on the listing record are Carrollton Elementary, Carrolton, Smithfield. School attendance zones can change — always confirm enrollment with the local school division.
Is 1020 Breakwater Trl 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.
Is there a gym near 1020 Breakwater Trl?+
Yes — Field of Dreams Gymnastics Club is about 0.5 miles away, per the cached nearby-places record for this address.
Are there parks near 1020 Breakwater Trl?+
Nike Park is about 1 miles away.
Where is the nearest grocery store to 1020 Breakwater Trl?+
Virginia Heaters is about 0 miles away.
Does 1020 Breakwater Trl have a condo association?+
Yes — condo association fees are on record for this unit (the current amount is shown in the facts section on this page). The association of record is None. Association amenities on record include: Clubhouse, Ground Maint, Other, Playgrounds, Pool, RV Storage.
When was 1020 Breakwater Trl built?+
It was built in 2025, 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 Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10603638

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.

1020 Breakwater Trl, Carrollton — photo

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

Call or text (757) 777-7577

1020 Breakwater Trl, Carrollton, Virginia 23314 · MLS #10603638 · 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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