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Carrollton › SOUTH HARBOR › 431 Tributary Ln✓ Source: REIN MLS #10628868 · record updated Aug 13, 2026 · synced every 2 min · your inquiry is never resold
431 Tributary LN, CARROLLTON VA 23314 - Main photo
431 Tributary LN, CARROLLTON VA 23314 - Photo 2
431 Tributary LN, CARROLLTON VA 23314 - Photo 3
431 Tributary LN, CARROLLTON VA 23314 - Photo 4
431 Tributary LN, CARROLLTON VA 23314 - Photo 5
3beds
2baths
2,324sqft
53days on market

431 Tributary Ln, Carrollton, VA 23314

Under ContractResidential · built 2026 · SOUTH HARBOR

Facts & features

Type

Residential

Year built

2026

Price / sqft

$163

HOA fee

$207/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

MLS #

10628868

HOA association includes

ClubhouseOtherPoolRV Storage

$207/mo HOA fee · N/A · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
2
Approx. sqft
2,324
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor Primary BR, Attic, Foyer, Loft, PBR with Bath, Pantry, Porch, Rec Room
Interior features
Primary Sink-Double, Scuttle Access, Walk-In Closet
Appliances
Dishwasher, Disposal, Dryer, Dryer Hookup, Energy Star Appliance(s), Microwave, Range, Refrigerator, Washer, Washer Hookup

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Brick,Vinyl
Pool
No Pool

Utilities & systems

Heating
Nat Gas
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
Possession
AT CLOSING
Miscellaneous
Warranty Plan
Disclosures
Residential 55+ Community

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

About this home

BRAMANTE. SOLD. TBB.

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10628868

Tom & Dariya's overview

Our read on this home

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

At a glance

431 Tributary Lane is a 2,326-square-foot, three-bedroom, two-bath new-construction home in Carrollton's South Harbor neighborhood — built in 2026 and positioned minutes from two naval installations, a walkable strip of daily essentials, and the quiet, wooded character that defines Isle of Wight County.

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

South Harbor delivers something rare in Hampton Roads: genuine new construction at a suburban pace. The 2026 build date means you're stepping into a home where every system — mechanical, structural, cosmetic — is factory-fresh. Three bedrooms and two full baths spread across 2,324 square feet give households room to grow, while the Carrollton address keeps you well inside the commute radius for NSA Northwest Annex and NSA Hampton Roads without the density of the Peninsula's older corridors.

SOUTH HARBOR and the Carrollton real estate market

Carrollton sits in Isle of Wight County on the western bank of the James River, connected to the rest of Hampton Roads by the James River Bridge. It's a community that attracts people who want elbow room — tree-lined streets, lower traffic counts, and a slower residential rhythm — without sacrificing access to the region's jobs, bases, and amenities. South Harbor is one of Carrollton's newer planned neighborhoods, and it carries that energy: fresh streetscapes, consistent architecture, and neighbors who largely arrived at the same life stage. Isle of Wight County is known for its fiscal conservatism and comparatively low property-tax rate, which matters when you're thinking long-term. Families comparing Carrollton homes for sale often discover this pocket of the county only after exhausting options closer to the water, and many say they wish they'd looked here first.

What's nearby

Daily errands are almost embarrassingly convenient. A Food Lion sits just 0.3 miles away, and a Publix Super Market at Bartlett Station is only 0.6 miles out — two solid grocery options within a short walk or drive. When you want something quick, Bojangles, La Parilla Mexican Grill, and Tropical Smoothie Cafe are all within a tenth of a mile, making lunch runs effortless. Morning routines are covered by a 7-Eleven and McDonald's within two blocks, and Anytime Fitness at 0.1 miles means zero excuses on workout days. The cluster of services along this corridor makes 431 Tributary Lane one of the more walkable addresses in the South Harbor area.

For different buyers

For military families relocating

NSA Northwest Annex is an 18-minute drive, and NSA Hampton Roads is roughly 21 minutes out — both well inside the commute window most service members target. A VA loan pairs naturally with a 2026 build, since new construction typically clears appraisal without the repair negotiations that older homes can trigger. South Harbor's consistent neighborhood character also makes it a reliable choice across PCS cycles.

For families upgrading

At 2,324 square feet with three bedrooms and two baths, this home gives growing households the breathing room a smaller starter simply can't provide. Families comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School will find that South Harbor sits squarely in that attendance zone, adding long-term planning certainty to an already compelling address.

More buyer questions

How far is 431 Tributary Lane from NSA Northwest Annex?

The drive runs about 18 minutes under typical conditions, making it one of the more practical addresses in Isle of Wight County for personnel assigned there.

Is 431 Tributary Lane part of an HOA?

South Harbor is a planned neighborhood and does carry an HOA — confirm current association details and any covenants with your agent before closing.

What flood zone applies to 431 Tributary Lane?

Flood zone status for this address is displayed in the FloodRisk tile on this page — review that section and verify with your lender and insurer before making any decisions.

How new is the construction at 431 Tributary Lane?

The home was built in 2026, meaning all major systems — HVAC, plumbing, electrical, and roofing — are essentially brand new and typically still covered under builder warranties.

Where is Carrollton, Virginia relative to the rest of Hampton Roads?

Carrollton occupies the western bank of the James River in Isle of Wight County, connected to Newport News and the broader Peninsula via the James River Bridge — roughly 20 to 30 minutes from most major employment and military hubs in the region.

Tom and Dariya Milan at LPT Realty know South Harbor and the Carrollton market well — reach out to schedule a walkthrough of 431 Tributary Lane and get your questions answered by people who live and work in Hampton Roads.

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

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

Carrollton$320K – $440K3+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

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

$2,321/mo

Principal & interest

$1,966

Property tax

$244

Home insurance

$111

PMI

None

HOA/Condo (paid separately)

$207

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

Why the land carries the value

Asking vs. assessment

541% of $70,000

City assessment record · taxes $2,925/yr

Land share of assessed value

100% — $70,000

Improvements $0 · assessor record ✓

Price context — similar nearby homes

$340,000 – $485,000

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.

2104 Mainsail DR · 0.2 mi · 2,325 sqft$485,000 sold 2026-09
13418 Bentley Heath WAY · 0.4 mi · 2,343 sqft$341,000 sold 2026-04
13279 Regent Park WALK · 0.5 mi · 2,343 sqft$340,000 sold 2026-07

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

Sale & Tax History

List Price

$378,990

Price / Sq Ft

$163

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$207 / mo

Tax Rate (effective)

0.77%

Sale Timeline (this listing)

EventDatePriceDetail
Price reducedMay 19, 2026$378,990−$1,000
ListedJun 21, 2026$378,990—
Currently listed—$378,990—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

441% above assessment

Total Assessed

$70,000

Land

$70,000

Improvement

N/A

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 431 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 431 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 431 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 431 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 431 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 N/A. Association amenities on record include: Clubhouse, Other, Pool, RV Storage.
When was 431 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 #10628868

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.

431 Tributary Ln, Carrollton — photo

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

Call or text (757) 777-7577

431 Tributary Ln, Carrollton, Virginia 23314 · MLS #10628868 · 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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