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CarrolltonSOUTH HARBOR325 Tributary Ln✓ Source: REIN MLS #10614441 · record updated Jan 12, 2026 · synced every 2 min · your inquiry is never resold
325 TRIBUTARY LN, CARROLLTON VA 23314 - Main photo
325 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 2
325 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 3
325 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 4
325 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 5
$499,990
$190 / sqft · est. $3,179/mo →
3beds
3baths
2,626sqft
7days on market

325 Tributary Ln, Carrollton, VA 23314

Under ContractResidential · built 2025 · SOUTH HARBOR

About this home

The listing, in the seller's words

Welcome to South Harbor 55+, a vibrant community in Isle of Wight near Smithfield, offering single-family homes with first-floor living, no yard work, and resort-style amenities including a clubhouse, pool, walking trails, and pickleball courts. The Palladio 2-Story offers flexibility and style with 3 bedrooms, 3 bathrooms, and a versatile flex room that can serve as a dining area, sitting room, office — or even be converted into a 4th bedroom. The gourmet kitchen with a large island is the perfect spot for entertaining, flowing seamlessly into the spacious family room. All essential living spaces, including the owner's suite with en-suite bath and walk-in closet, are on the first floor, along with a covered back porch and the option for a wooded homesite. Upstairs, enjoy a loft, a bedroom and bath, and a temperature controlled walk-in storage room. A 2-car garage completes this thoughtfully designed home. MOVE IN READY BY JANUARY/EARLY FEBRUARY!!!!

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10614441

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

325 Tributary Lane is a brand-new 2025 construction home in Carrollton's South Harbor neighborhood, offering 3 bedrooms, 3 full baths, and 2,626 square feet of thoughtfully designed living space in Isle of Wight County — a rare combination of new-build quality and suburban calm.

Read the full overview ↓

Why this home stands out

What sets 325 Tributary Lane apart is the year it was built: 2025. You're getting a home where everything — systems, finishes, structure — is fresh from the ground up. South Harbor is a well-regarded Carrollton community, and a newly constructed 3-bath, 2,626-square-foot home here gives buyers the kind of peace of mind that comes only with new construction, without sacrificing neighborhood character or convenience.

SOUTH HARBOR and the Carrollton real estate market

South Harbor sits in Carrollton, Virginia — a community in Isle of Wight County that strikes a balance many Hampton Roads buyers spend years searching for. It's suburban without feeling remote, and it carries a quieter, more spacious feel than the denser urban cores across the water. Carrollton residents enjoy lower traffic, larger lots, and a genuine neighborhood atmosphere where people tend to put down roots. Isle of Wight County is known for its strong sense of community and manageable pace of life, and South Harbor fits that profile well. The James River is close by, giving the area a subtle coastal character without the flood-zone anxiety of beachfront living. Commuters have solid access to Route 17 and the James River Bridge, connecting you efficiently to Newport News, Hampton, and beyond. Whether you're drawn to the county's open spaces or simply want more home for your investment, Carrollton delivers.

What's nearby

Day-to-day life at 325 Tributary Lane is genuinely convenient. Virginia Heaters is just 0.2 miles away — close enough to handle quick errands without a second thought. Field of Dreams Gymnastics Club is 0.6 miles out, a handy option for active families. Nike Park is 0.7 miles away and offers outdoor space for weekend afternoons, and Isle of Wight Parks is under a mile from your door, giving you easy access to the county's broader recreational network. Everything you need for a low-friction daily routine is within a short drive or an easy walk.

For different buyers

For military families relocating

NSA Northwest Annex is about 21 minutes from 325 Tributary Lane, and NSA Hampton Roads is roughly 25 minutes out — both well within a comfortable commute. Isle of Wight County's calmer pace is a genuine draw for military households, and a VA loan can make purchasing a 2025-built home like this one especially straightforward. South Harbor offers the kind of stability that works well across multiple duty station cycles.

For families upgrading

If you've been waiting for a home that checks every box — new construction, three full baths, over 2,600 square feet, a real neighborhood — 325 Tributary Lane is worth a serious look. South Harbor in Carrollton gives growing families room to spread out, with Nike Park and Isle of Wight Parks both under a mile away. This is the kind of address where kids have space to grow and parents have room to breathe.

More buyer questions

How far is 325 Tributary Lane from NSA Northwest Annex?

NSA Northwest Annex is approximately 21 minutes from 325 Tributary Lane under typical driving conditions. NSA Hampton Roads is about 25 minutes away, making South Harbor a practical base for servicemembers assigned to either installation.

What county is 325 Tributary Lane in?

325 Tributary Lane is located in Isle of Wight County, Virginia. Carrollton is one of the county's most active residential communities, offering a suburban feel with solid access to the broader Hampton Roads metro.

Is 325 Tributary Lane in a flood zone?

Flood zone information for 325 Tributary Lane is displayed in the FloodRisk tile on this page. We recommend reviewing that data and consulting with your insurance agent before closing.

Does South Harbor have an HOA?

South Harbor does have a homeowners association. For current HOA rules, restrictions, and any community documents, we recommend requesting the full disclosure package during the due diligence period.

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

Yes — a VA loan can absolutely be used on new construction, and a 2025-built home like 325 Tributary Lane is typically a straightforward fit for VA financing. Your lender can walk you through any builder-specific requirements.

Want to walk through 325 Tributary Lane or get your questions answered? Tom and Dariya Milan at LPT Realty are here to help — reach out anytime to get started.

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

Schools

  • ElementaryHardy Elementary
  • MiddleSmithfield Middle
  • HighSmithfield

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2025

Price / sqft

$190

HOA fee

$195/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

MLS #

10614441

HOA association includes

ClubhouseExercise RmPlaygroundsPool

$195/mo HOA fee · NONE · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
3
Approx. sqft
2,626
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
8
Other rooms
1st Floor Primary BR, Assigned Storage, Foyer, Loft, PBR with Bath, Office/Study, Pantry, Porch
Interior features
Primary Sink-Double, Walk-In Attic
Appliances
Dishwasher, Disposal, Dryer Hookup, Energy Star Appliance(s), Microwave, Range, Washer Hookup
Equipment
Cable Hookup, Gar Door Opener

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Fiber Cement,Stone
Exterior features
Patio
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Subdivision
SOUTH HARBOR
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 2 Space, Driveway Spc
Possession
CLOSING
Miscellaneous
Warranty Plan
Disclosures
Residential 55+ Community

Sources: REIN MLS record · city assessor · 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

$2,984/mo

Principal & interest

$2,594

Property tax

$244

Home insurance

$146

PMI

None

HOA/Condo (paid separately)

$195

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

Asking vs. assessment

122% of $411,100

City assessment record · taxes $2,925/yr

Land share of assessed value

37% — $150,900

Improvements $260,200 · assessor record ✓

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

$505,000$555,000

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.

13366 Country Walk CIR · 1 mi · 2,800 sqft$555,000 sold 2026-06
22346 Tradewinds DR · 1.5 mi · 2,763 sqft$520,000 sold 2026-02
13408 Anchor CT · 1.7 mi · 2,716 sqft$520,000 sold 2026-06

Sale & Tax History

List Price

$499,990

Price / Sq Ft

$190

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$195 / mo

Tax Rate (effective)

0.59%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 2, 2026$499,990
Currently listed$499,990

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

22% above assessment

Total Assessed

$411,100

Land

$150,900

Improvement

$260,200

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 325 Tributary Ln in a good school zone?+
The assigned zones on the listing record are Hardy Elementary, Smithfield Middle, Smithfield. School attendance zones can change — always confirm enrollment with the local school division.
Is 325 Tributary Ln 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 325 Tributary Ln?+
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 325 Tributary Ln?+
Nike Park is about 1 miles away.
Where is the nearest grocery store to 325 Tributary Ln?+
Virginia Heaters is about 0 miles away.
Does 325 Tributary Ln have an HOA?+
Yes — HOA dues are on record for this property (the current amount is shown in the facts section on this page). The association of record is NONE. Association amenities on record include: Clubhouse, Exercise Rm, Playgrounds, Pool.
When was 325 Tributary Ln 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 #10614441

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.

325 Tributary Ln, Carrollton — photo

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

Call or text (757) 777-7577

325 Tributary Ln, Carrollton, Virginia 23314 · MLS #10614441 · 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.