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Carrollton › SOUTH HARBOR › 395 Tributary Ln✓ Source: REIN MLS #10617607 · record updated Jan 23, 2026 · synced every 2 min · your inquiry is never resold
395 TRIBUTARY LN, CARROLLTON VA 23314 - Main photo
395 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 2
395 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 3
395 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 4
395 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 5
3beds
2baths
1,601sqft
0days on market

395 Tributary Ln, Carrollton, VA 23314

Under ContractResidential · built 2026 · SOUTH HARBOR

Facts & features

Type

Residential

Year built

2026

Price / sqft

$276

HOA fee

$195/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

MLS #

10617607

HOA association includes

ClubhouseOtherPlaygroundsPoolRV Storage

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

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,601
Stories
1
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
7
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Foyer, PBR with Bath, Pantry, Porch
Interior features
Scuttle Access, Walk-In Closet
Appliances
Dishwasher, Dryer Hookup, Energy Star Appliance(s), Microwave, Range, Washer Hookup
Equipment
Cable Hookup, Gar Door Opener

Construction & exterior

Style
Ranch
Subtype
Detached
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
Ownership
Fee Simple
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

About this home

BRAMANTE RANCH. SOLD. TBB

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10617607

Tom & Dariya's overview

Our read on this home

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

At a glance

395 Tributary Lane is a brand-new 2026-built, three-bedroom, two-bath home in Carrollton's South Harbor community. At 1,601 square feet, it pairs fresh construction quality with walkable everyday conveniences and quick drives to two major Hampton Roads installations.

Keep searching in Carrollton

See homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School.

Read the full overview ↓

Why this home stands out

New construction in an established Isle of Wight County pocket is genuinely rare, and South Harbor delivers it without the long commute that often comes with suburban builds. You're getting a home where everything — appliances, systems, finishes — starts the clock at zero in 2026, while grocery stores, gyms, and quick-bite spots sit within a quarter mile. That combination of fresh build and immediate walkability is hard to find on this side of the James.

SOUTH HARBOR and the Carrollton real estate market

South Harbor sits in Carrollton, a quietly growing corner of Isle of Wight County that trades the density of Virginia Beach and Chesapeake for wider lots, calmer streets, and a genuine neighborhood feel. The community is well-positioned along the Route 17 corridor, giving residents easy access to the James River Bridge and the broader Hampton Roads metro without living inside it. Carrollton attracts buyers who want suburban breathing room but refuse to sacrifice convenience — and South Harbor makes that case clearly. The surrounding area has matured steadily over the past decade, with retail, dining, and services filling in along the main corridor. Isle of Wight County is known for responsive local government and lower property-tax rates compared to many neighboring jurisdictions, which matters when you're thinking long-term. Families comparing homes for sale in Carrollton often land here after realizing how much square footage and lot space their budget unlocks versus closer-in zip codes.

What's nearby

Daily errands practically handle themselves from 395 Tributary Lane. Food Lion is just 0.3 miles away for quick runs, and Publix Super Market at Bartlett Station is 0.6 miles out when you want a fuller shop. Tropical Smoothie Cafe, Bojangles, and La Parilla Mexican Grill are all within 0.1 miles — meaning lunch or a smoothie is a short walk. A 7-Eleven and McDonald's cover coffee and grab-and-go needs within 0.2 miles. Anytime Fitness at 0.1 miles means your gym commute is essentially nonexistent. It's a walkable daily footprint that most suburban addresses in this price range simply can't match.

For different buyers

For military families relocating

NSA Northwest Annex is 17 minutes from the front door, and NSA Hampton Roads is reachable in about 21. For service members weighing a VA loan and looking for new construction close to two installations, South Harbor checks both boxes. Isle of Wight County's lower cost of living stretches BAH further than many Hampton Roads zip codes, and a 2026 build means no deferred maintenance surprises during a busy tour.

For first-time buyers

A 2026-built home means you're not inheriting someone else's deferred maintenance list — everything is new, warranted, and yours to shape from day one. At 1,601 square feet across three bedrooms and two baths, the layout gives you room to grow without overwhelming a first mortgage. Walkable groceries, a gym 0.1 miles away, and fast-casual dining steps from the door make the transition into homeownership feel genuinely manageable.

More buyer questions

How far is 395 Tributary Lane from NSA Northwest Annex?

The drive runs about 17 minutes under normal traffic conditions, making it one of the more practical Carrollton addresses for personnel assigned there. NSA Hampton Roads is roughly 21 minutes in the other direction.

What school zone does 395 Tributary Lane fall in?

The property is in Isle of Wight County Public Schools territory — buyers comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School will want to confirm current attendance boundaries directly with the county, as zone lines can shift.

Is 395 Tributary Lane in a flood zone?

Flood zone status for this address is detailed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data. It's worth reviewing before making any decisions, particularly given Carrollton's proximity to the James River corridor.

Does South Harbor have an HOA?

South Harbor does carry an HOA. Fee amounts aren't listed here — your agent can pull the current disclosure packet, which covers dues, rules, and any community amenities governed by the association.

What are the nearest grocery stores to 395 Tributary Lane?

Food Lion is just 0.3 miles away for everyday needs, and Publix Super Market at Bartlett Station is 0.6 miles out — both reachable in under five minutes by car or a short walk.

Tom and Dariya Milan at LPT Realty know South Harbor and the Carrollton market well. Reach out to get a full picture of what 395 Tributary Lane looks like for your situation.

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

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

Carrollton$375K – $510K3+ beds

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Schools

VaHome School Score

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

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 51093C

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone C

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

$2,667/mo

Principal & interest

$2,294

Property tax

$244

Home insurance

$129

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

Price context — similar nearby homes

$287,000 – $419,990

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.

406 Tributary LN · 0 mi · 1,601 sqft$419,990 sold 2026-05
1118 Breakwater TRL · 0.2 mi · 1,775 sqft$334,990 sold
1122 BREAKWATER TRL · 0.3 mi · 1,775 sqft$403,685 sold 2026-05

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

Sale & Tax History

List Price

$442,095

Price / Sq Ft

$276

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$195 / mo

Tax Rate (effective)

0.66%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 9, 2026$442,095—
Currently listed—$442,095—

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

Is 395 Tributary Ln in a good school zone?+
The assigned zones on the listing record are Hardy Elementary (VaHome School Score 5.2/10), Smithfield Middle (VaHome School Score 6.1/10), Smithfield (VaHome School Score 5.1/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 395 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 395 Tributary Ln?+
Yes — Anytime Fitness is about 0.3 miles away, per the cached nearby-places record for this address.
Where is the nearest grocery store to 395 Tributary Ln?+
Publix Super Market at Bartlett Station is about 0.4 miles away. The closest dining on record is Napoli É Ristorante Italiano (0.3 mi).
Does 395 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, Other, Playgrounds, Pool, RV Storage.
When was 395 Tributary Ln built?+
It was built in 2026, 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 Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10617607

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.

395 Tributary Ln, Carrollton — photo

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

Call or text (757) 777-7577

395 Tributary Ln, Carrollton, Virginia 23314 · MLS #10617607 · 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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