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CarrolltonSOUTH HARBOR407 Tributary Ln✓ Source: REIN MLS #10636723 · record updated Jun 2, 2026 · synced every 5 min · your inquiry is never resold
407 Tributary LN, CARROLLTON VA 23314 - Main photo
407 Tributary LN, CARROLLTON VA 23314 - Photo 2
407 Tributary LN, CARROLLTON VA 23314 - Photo 3
407 Tributary LN, CARROLLTON VA 23314 - Photo 4
407 Tributary LN, CARROLLTON VA 23314 - Photo 5
$459,990
$242 / sqft · est. $2,972/mo →
2beds
2baths
1,898sqft
4days on market

407 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, walking trails, and pickleball courts. The Palladio Ranch is the perfect blend of style and convenience, featuring 2 bedrooms and 2 full bathrooms, including a spacious owner's suite with an en-suite bath and expansive closet. Designed for easy living with no stairs, this home offers an open layout centered around a gourmet kitchen with a large island, ideal for entertaining. Enjoy outdoor living with a huge covered back porch and the option for a covered front porch. Choose from private wooded homesites and make the home truly yours by customizing finishes and personal touches during the build. Experience comfort, convenience, and community at South Harbor 55+, where every detail is designed for your lifestyle.

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10636723

VaHome team overview

Our read on this home

At a glance

407 Tributary Lane is a brand-new 2-bedroom, 2-bath home in Carrollton, Virginia, offering 1,898 square feet of thoughtfully designed living space built in 2026. It sits within easy reach of two Navy installations and a walkable cluster of everyday conveniences.

Read the full overview ↓

Why this home stands out

New construction in 2026 means everything — the roof, the mechanicals, the finishes — is starting fresh. With 1,898 square feet spread across just two bedrooms and two full baths, the layout prioritizes space per room over bedroom count, giving you generous living areas that feel more like a larger home than the numbers suggest. That's a rare trade-off in this price tier of Isle of Wight County.

SOUTH HARBOR and the Carrollton real estate market

Carrollton sits in Isle of Wight County on the western shore of the James River, just across the bridge from Newport News. It's one of Hampton Roads' quieter suburban pockets — low traffic, newer development, and a strong sense of community without the density of Virginia Beach or Norfolk. Tributary Lane feeds into a corridor that has seen steady residential growth over the past decade, drawing buyers who want modern construction and easy highway access without sacrificing a neighborhood feel. Route 17 is your main artery, connecting you north toward Newport News and south toward Smithfield in minutes. The broader Carrollton area is a natural fit for the Carrollton Virginia new construction buyer who wants proximity to military installations, waterfront recreation along the James, and a calmer pace than the Southside cities. Isle of Wight County is known for its lower density and well-maintained public infrastructure, and Carrollton reflects that character — tidy streetscapes, newer sidewalks, and a mix of families and professionals who chose this side of the water deliberately.

What's nearby

Daily errands are genuinely walkable from 407 Tributary Lane. Publix Super Market at Bartlett Station is 0.4 miles away, and Food Lion is just 0.5 miles — two solid grocery options within a short walk or a two-minute drive. Dinner options are equally close: Napoli É Ristorante Italiano and La Parilla Mexican Grill are both 0.3 miles out, and Tropical Smoothie Cafe is right there at 0.3 miles for a quick lunch or post-workout pick-me-up. Speaking of workouts, Anytime Fitness is also 0.3 miles away. Morning coffee runs are covered by Dunkin' at 0.5 miles and a 7-Eleven at 0.4 miles when you need something fast.

For different buyers

For military families relocating

NSA Northwest Annex is an 18-minute drive from 407 Tributary Lane, and NSA Hampton Roads is about 21 minutes out — both very manageable for daily commutes. New construction means no deferred maintenance surprises during a PCS move, and VA loan eligibility makes the financing side straightforward. Isle of Wight County's lower density also means less competition for parking, schools, and services compared to base-adjacent neighborhoods in Norfolk or Hampton.

For first-time buyers

Buying a home built in 2026 as your first property is about as clean a start as it gets — no inherited repairs, no aging systems, no wondering what the previous owners did to the plumbing. The two-bedroom, two-bath layout at 1,898 square feet is right-sized for a first home: enough space to grow into, easy enough to maintain. VA loan benefits apply here if you qualify, and Carrollton's suburban character keeps the day-to-day feel low-stress.

More buyer questions

How far is 407 Tributary Lane from NSA Northwest Annex?

NSA Northwest Annex is approximately 18 minutes from 407 Tributary Lane under typical traffic conditions. The drive is primarily along Route 17 and local connector roads, making it a manageable daily commute.

What county is 407 Tributary Lane in?

407 Tributary Lane is located in Isle of Wight County, Virginia. The property carries a Carrollton address with the 23314 zip code.

Is 407 Tributary Lane part of an HOA?

The property is part of a residential community in Carrollton — HOA status should be confirmed through current listing documentation or directly with the seller, as community governance can vary by phase in newer developments.

What is the flood risk at 407 Tributary Lane?

Flood zone designation for this address is displayed in the FloodRisk tile on this page. For the most current FEMA map data, you can also search the address at msc.fema.gov.

How far is 407 Tributary Lane from Newport News?

Carrollton sits just across the James River Bridge from Newport News, putting the city roughly 10 to 15 minutes away depending on bridge traffic. It's a practical location for anyone working or spending time on the Peninsula.

Want to walk through 407 Tributary Lane or ask about VA loan options for this property? Tom and Dariya Milan at LPT Realty are ready to help — reach out anytime.

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

2026

Price / sqft

$242

HOA fee

$207/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

Waterfront

Yes

MLS #

10636723

HOA association includes

ClubhouseExercise RmPlaygroundsPool

$207/mo HOA fee · NONE · per the REIN MLS listing record — confirm inclusions with the association.

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

Flood & environment

The flood answer first — quantified, not buried

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

$2,972/mo

Principal & interest

$2,387

Property tax

$244

Home insurance

$134

PMI

None

HOA

$207

Estimate only. 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

$334,990$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.

23078 Retreat LN · 0.2 mi · 1,975 sqft$400,000 sold 2026-04
23082 Retreat LN · 0.2 mi · 1,975 sqft$385,000 sold 2026-06
1118 Breakwater TRL · 0.2 mi · 1,775 sqft$334,990 sold

Sale & Tax History

List Price

$459,990

Price / Sq Ft

$242

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$207 / mo

Tax Rate (effective)

0.64%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 30, 2026$459,990
Currently listed$459,990

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 407 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 407 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 407 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 407 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 407 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 407 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 #10636723

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.

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

Call or text (757) 777-7577

407 Tributary Ln, Carrollton, Virginia 23314 · MLS #10636723 · 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.