Skip to main content
CarrolltonSOUTH HARBOR403 Tributary Ln✓ Source: REIN MLS #10618256 · record updated Feb 23, 2026 · synced every 2 min · your inquiry is never resold
403 Tributary LN, CARROLLTON VA 23314 - Main photo
403 Tributary LN, CARROLLTON VA 23314 - Photo 2
403 Tributary LN, CARROLLTON VA 23314 - Photo 3
403 Tributary LN, CARROLLTON VA 23314 - Photo 4
403 Tributary LN, CARROLLTON VA 23314 - Photo 5
$418,990
$262 / sqft · est. $2,735/mo →
3beds
2baths
1,601sqft
19days on market

403 Tributary Ln, Carrollton, VA 23314

Under ContractResidential · built 2026 · 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, outdoor paths, and pickleball courts. The Bramante Ranch is designed for easy living—say goodbye to stairs! This beautiful ranch-style home features 3 bedrooms and 2 full bathrooms, including a large owner's suite with an en-suite bath and large closet, all on one level. The open layout connects the gourmet kitchen to the spacious family room, creating the perfect space for entertaining. Enjoy outdoor living with a covered front entry and a covered back porch. Choose from private wooded homesites and make the home truly yours by customizing finishes and personal touches during the build. Experience the lifestyle you deserve at South Harbor 55+, where comfort, convenience, and community come together beautifully.

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10618256

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

403 Tributary Lane is a brand-new 2026-built home in Carrollton's South Harbor neighborhood — 3 bedrooms, 2 baths, and 1,601 square feet of thoughtfully designed living space, all within a short drive of two major naval installations and everyday conveniences just steps from your door.

Read the full overview ↓

Why this home stands out

New construction in an established Hampton Roads suburb is a rare find, and 403 Tributary Lane delivers exactly that. Built in 2026, this 1,601-square-foot home gives you the peace of mind that comes with modern materials, current building codes, and fresh systems from day one. South Harbor sits in Isle of Wight County, which means a quieter pace without sacrificing access to the broader Hampton Roads metro.

SOUTH HARBOR and the Carrollton real estate market

South Harbor is a residential community tucked into Carrollton, Virginia — a suburban area in Isle of Wight County that sits just across the James River from Hampton. The neighborhood has a settled, low-traffic feel while remaining genuinely well-connected. Carrollton itself has grown steadily over the past decade as buyers discovered that Isle of Wight County offers more space and a calmer atmosphere than the denser cities to the east. Getting around is straightforward: Route 17 runs nearby, giving you a clear path toward Newport News, Suffolk, or the Hampton Roads Bridge-Tunnel. Daily life in South Harbor is easy — you're not fighting for parking, the streets are quiet in the evenings, and the surrounding area has the kind of mature tree canopy that newer subdivisions often lack. It's the kind of place where neighbors wave from driveways and weekend mornings feel genuinely unhurried.

What's nearby

Everyday errands are almost effortless from 403 Tributary Lane. Food Lion is just 0.3 miles away for quick grocery runs, and Publix Super Market at Bartlett Station is only 0.6 miles out when you want a broader selection. When you need a fast bite or a morning pick-me-up, Tropical Smoothie Cafe, Bojangles, and La Parilla Mexican Grill are all within 0.1 miles — essentially walkable. Grab a coffee at 7-Eleven or McDonald's, both under 0.2 miles away. Anytime Fitness is right at 0.1 miles, so keeping up with workouts requires almost no extra commute.

For different buyers

For military families relocating

NSA Northwest Annex is about 17 minutes away, and NSA Hampton Roads is roughly 21 minutes — both well within the commute range most service members aim for. A VA loan pairs naturally with new construction like this, letting you step into a 2026-built home with no prior owner wear and tear. South Harbor's Isle of Wight County address also tends to offer more square footage per dollar than neighborhoods closer to the waterfront bases.

For first-time buyers

Buying your first home is a big step, and a 2026-built property in South Harbor removes a lot of the uncertainty that comes with older houses. Fresh construction means you're not inheriting someone else's deferred maintenance — the roof, HVAC, plumbing, and electrical are all brand new. At 1,601 square feet across 3 bedrooms and 2 baths, there's room to grow, and the surrounding Carrollton area keeps daily life manageable without overwhelming you.

More buyer questions

How far is 403 Tributary Lane from NSA Northwest Annex?

The drive from 403 Tributary Lane to NSA Northwest Annex is approximately 17 minutes under normal traffic conditions. That puts it comfortably within range for most daily commutes from South Harbor.

What county is 403 Tributary Lane in?

403 Tributary Lane is located in Isle of Wight County, Virginia. The county has its own tax structure and services, separate from the city of Chesapeake or Suffolk.

Is 403 Tributary Lane in a flood zone?

Flood zone information for 403 Tributary Lane is displayed in the FloodRisk tile on this page. We recommend reviewing that section and consulting FEMA's flood map for the most current designation.

What is the South Harbor neighborhood like in Carrollton?

South Harbor is a quiet residential community in Carrollton with a suburban feel, low through-traffic, and convenient access to Route 17. It attracts buyers who want more space and a calmer setting while staying connected to the broader Hampton Roads area.

Does 403 Tributary Lane have an HOA?

South Harbor does have a homeowners association. For specific details on what the HOA covers and any community rules, we recommend requesting the HOA disclosure documents during your due diligence period.

Want to walk through 403 Tributary Lane in person? Tom and Dariya Milan at LPT Realty know South Harbor well — reach out and let's set up a time that works for you.

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

2026

Price / sqft

$262

HOA fee

$195/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

MLS #

10618256

HOA association includes

ClubhouseGround MaintOtherPlaygroundsPoolRV 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 Primary BR, Attic, Foyer, PBR with Bath, Pantry, Porch, Spare Room
Interior features
Primary Sink-Double, 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
Traditional
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
Disclosures
Residential 55+ Community

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

Flood & environment

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

$2,540/mo

Principal & interest

$2,174

Property tax

$244

Home insurance

$122

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

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$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
2305 James River TRL · 0.6 mi · 1,675 sqft$287,000 sold 2026-03

Sale & Tax History

List Price

$418,990

Price / Sq Ft

$262

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$195 / mo

Tax Rate (effective)

0.70%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 20, 2026$418,990
Currently listed$418,990

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 403 Tributary Ln 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 there a gym near 403 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 403 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 403 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, Ground Maint, Other, Playgrounds, Pool, RV Storage.
When was 403 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

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 #10618256

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.

403 Tributary Ln, Carrollton — photo

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

Call or text (757) 777-7577

403 Tributary Ln, Carrollton, Virginia 23314 · MLS #10618256 · 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.