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Carrollton › SOUTH HARBOR › 430 Tributary Ln✓ Source: REIN MLS #10617973 · record updated Jan 28, 2026 · synced every 2 min · your inquiry is never resold
430 TRIBUTARY LN, CARROLLTON VA 23314 - Main photo
430 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 2
430 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 3
430 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 4
430 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 5
$511,190
$269 / sqft · est. $3,240/mo →
3beds
2baths
1,898sqft
0days on market

430 Tributary Ln, Carrollton, VA 23314

Under ContractResidential · built 2026 · SOUTH HARBOR

About this home

The listing, in the seller's words

PALLADIO RANCH. SOLD. TBB

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10617973

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

430 Tributary Lane is a brand-new 2026-built, 3-bedroom, 2-bath home in Carrollton's South Harbor neighborhood. At 1,898 square feet, it offers modern construction, Isle of Wight County convenience, and quick access to two major Navy installations — all in a tight-knit waterfront-adjacent community.

Read the full overview ↓

Why this home stands out

New construction in an established Hampton Roads neighborhood is a rare find, and 430 Tributary Lane delivers exactly that. Built in 2026, this 1,898-square-foot single-family home gives you the peace of mind that comes with modern building standards — updated systems, current energy codes, and a layout designed for how people actually live today — without the wait of a build-from-scratch timeline.

SOUTH HARBOR and the Carrollton real estate market

South Harbor sits in Carrollton, Virginia, a community in Isle of Wight County that punches well above its size when it comes to livability. The neighborhood carries a quiet, residential feel while keeping you genuinely close to everything — grocery runs, quick bites, and commuter routes are all within easy reach. Carrollton itself occupies a sweet spot between the rural calm of Isle of Wight and the full amenities of the broader Hampton Roads metro. You're close enough to Newport News and Suffolk to tap their retail and dining scenes, yet far enough removed to enjoy lower traffic and a slower pace at home. South Harbor benefits from that balance in a real way: streets feel intentional, lots have breathing room, and the community has a cohesion that newer sprawl developments often lack. For buyers who want new construction without sacrificing neighborhood character, this address delivers both.

What's nearby

Daily errands practically handle themselves from 430 Tributary Lane. Food Lion is just 0.3 miles away for quick grocery runs, and Publix Super Market at Bartlett Station is 0.6 miles out when you want more selection. Breakfast or a post-workout smoothie? Tropical Smoothie Cafe is literally 0.1 miles from your front door, right alongside Bojangles and La Parilla Mexican Grill for fast and casual meals. Anytime Fitness is also 0.1 miles away — a genuinely walkable gym commute. A 7-Eleven and McDonald's round out the ultra-close options for coffee and convenience within 0.2 miles.

For different buyers

For military families relocating

NSA Northwest Annex is an 18-minute drive from 430 Tributary Lane, and NSA Hampton Roads is about 21 minutes out — both well within the range most military families target for manageable commutes. Isle of Wight County's lower cost of living stretches a BAH allowance further than many Hampton Roads zip codes, and a VA loan pairs naturally with new construction like this 2026-built home, where appraisals tend to align cleanly with purchase terms.

For first-time buyers

A 2026-built home means you're starting fresh — no deferred maintenance, no aging systems, no surprises hiding behind the walls. At 1,898 square feet across three bedrooms and two baths, 430 Tributary Lane gives first-time buyers real, functional space without overextending. South Harbor's Carrollton location keeps everyday costs manageable, and a VA loan can make the financing side of new construction more straightforward than many buyers expect.

More buyer questions

How far is 430 Tributary Lane from NSA Northwest Annex?

The drive from 430 Tributary Lane to NSA Northwest Annex is approximately 18 minutes under normal traffic conditions. That puts it comfortably within the commute range most service members and DoD civilians target when house-hunting in Isle of Wight County.

What is the flood zone status for 430 Tributary Lane in Carrollton?

Flood zone designation for this address is displayed in the FloodRisk tile on this page, which pulls current FEMA map data. It's worth reviewing before making any purchase decision, particularly given the waterfront-adjacent character of the broader South Harbor area.

Is 430 Tributary Lane part of an HOA?

South Harbor does have a homeowners association. Specific fee amounts aren't listed here, but your agent can pull the current HOA disclosure package, which outlines dues, rules, and community amenities in full.

What year was 430 Tributary Lane built?

430 Tributary Lane was built in 2026, making it brand-new construction. That means current building codes, modern mechanical systems, and no deferred maintenance from previous ownership cycles.

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 430 Tributary Lane's 2026 build date means the property is highly likely to meet VA appraisal standards without the condition-related hurdles sometimes seen with older homes. Your lender can walk you through the specific documentation steps for new builds.

Ready to walk through 430 Tributary Lane? Tom and Dariya Milan at LPT Realty know South Harbor and can get you inside — reach out to set up a visit.

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

$269

HOA fee

$195/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

MLS #

10617973

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
2
Approx. sqft
1,898
Stories
1
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
6
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
Ranch
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
Disclosures
Residential 55+ Community

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

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

$3,045/mo

Principal & interest

$2,652

Property tax

$244

Home insurance

$149

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

$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

$511,190

Price / Sq Ft

$269

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$195 / mo

Tax Rate (effective)

0.57%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 9, 2026$511,190—
Currently listed—$511,190—

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 430 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 430 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 430 Tributary Ln?+
Yes — Anytime Fitness is about 0.2 miles away, per the cached nearby-places record for this address.
Where is the nearest grocery store to 430 Tributary Ln?+
Publix Super Market at Bartlett Station is about 0.4 miles away. The closest dining on record is McDonald's (0.2 mi).
Does 430 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 430 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 #10617973

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.

430 Tributary Ln, Carrollton — photo

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

Call or text (757) 777-7577

430 Tributary Ln, Carrollton, Virginia 23314 · MLS #10617973 · 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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