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Carrollton › SOUTH HARBOR › 431 Tributary Ln✓ Source: REIN MLS #10628868 · record updated Jun 15, 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
$378,990
$163 / sqft · est. $2,528/mo →
3beds
2baths
2,324sqft
53days on market

431 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 Alberti Ranch is designed for easy living - say goodbye to stairs! This end homesite beautiful ranch-style home features 3 bedrooms and 2 full bathrooms, including a large owner's suite with an en-suite bath and walk-in 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, plus a convenient 2-car garage. 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 #10628868

VaHome team overview

Our read on this home

At a glance

431 Tributary Lane is a brand-new 3-bedroom, 2-bath home in Carrollton's South Harbor community, offering 1,410 square feet of thoughtfully designed living space built in 2026. It sits in Isle of Wight County with two major Navy installations within a short drive.

Read the full overview ↓

Why this home stands out

What sets 431 Tributary Lane apart is the combination of new construction quality and an unbeatable walkable pocket in Carrollton. You're steps from two grocery stores, multiple dining options, and a gym — rare for Isle of Wight County. Add in quick access to both NSA Northwest Annex and NSA Hampton Roads, and this address checks boxes that most new builds in the region simply can't match.

SOUTH HARBOR and the Carrollton real estate market

South Harbor is one of Carrollton's newer planned communities, and it carries that fresh, well-organized feel you notice the moment you turn onto Tributary Lane. Streets are clean, the landscaping is intentional, and neighbors tend to be a mix of young families, military households, and professionals who want suburban calm without sacrificing convenience. Carrollton itself sits in Isle of Wight County — a jurisdiction that consistently earns high marks for safety and quality of life while staying quieter than neighboring Virginia Beach or Norfolk. The area straddles the best of both worlds: you're tucked away from the congestion of the Hampton Roads urban core, yet the James River Bridge puts you minutes from Newport News, and Interstate 664 keeps the broader region well within reach. Daily life in South Harbor flows easily, with groceries, dining, and fitness all within a half-mile of your front door. It's the kind of neighborhood where a morning walk to grab a smoothie or an evening stroll after dinner feels completely natural.

What's nearby

Everyday errands are genuinely effortless from 431 Tributary Lane. Publix Super Market at Bartlett Station is just 0.4 miles away, with a Food Lion another block beyond that at 0.5 miles — having two grocery options that close is a real convenience. When you want to eat out, Napoli É Ristorante Italiano and La Parilla Mexican Grill are both within 0.3 miles, and Tropical Smoothie Cafe is right there for a quick breakfast or post-workout pick-me-up. Royal Farms and 7-Eleven handle those grab-and-go mornings. Anytime Fitness at 0.3 miles means skipping leg day has no excuse.

For different buyers

For military families relocating

NSA Northwest Annex is roughly 18 minutes from 431 Tributary Lane, and NSA Hampton Roads is about 21 minutes out — both well within a comfortable commute. Isle of Wight County's lower cost of living stretches BAH further than many Hampton Roads zip codes, and a VA loan pairs naturally with a new-construction purchase like this one, often requiring no down payment.

For first-time buyers

A 2026 build means everything is new — systems, finishes, appliances — so you're not inheriting someone else's deferred maintenance. At 1,410 square feet across three bedrooms and two baths, the layout is manageable without feeling cramped. South Harbor's walkable surroundings and Isle of Wight County's steady, stable market make 431 Tributary Lane a sensible first step into homeownership.

More buyer questions

How far is 431 Tributary Lane from NSA Northwest Annex?

NSA Northwest Annex is approximately 18 minutes from 431 Tributary Lane under typical traffic conditions. NSA Hampton Roads is a similarly easy 21-minute drive, making this address workable for households with assignments at either installation.

What is the South Harbor neighborhood like in Carrollton?

South Harbor is a newer planned community in Carrollton with well-maintained streets and a mix of military and civilian households. It offers a quieter suburban feel within Isle of Wight County while keeping grocery stores, restaurants, and a gym all within half a mile.

Is 431 Tributary Lane in a flood zone?

Flood zone status for this address is displayed in the FloodRisk tile on this page, which pulls current FEMA map data. It's always worth reviewing before purchase, and your lender will order a flood determination as part of the loan process.

What year was 431 Tributary Lane built?

The home was built in 2026, making it brand-new construction. That means current building codes, modern mechanical systems, and no accumulated wear — a meaningful advantage over older resale inventory in the area.

Are there grocery stores and restaurants within walking distance of 431 Tributary Lane?

Yes — Publix Super Market at Bartlett Station is 0.4 miles away and Food Lion is 0.5 miles, while Napoli É Ristorante Italiano, La Parilla Mexican Grill, and Tropical Smoothie Cafe are all within 0.3 miles of the front door.

Want to walk through 431 Tributary Lane or talk through what new construction in South Harbor means for your situation? Tom and Dariya Milan 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

$163

HOA fee

$207/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

Waterfront

Yes

MLS #

10628868

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
Waterfront
Not Waterfront

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
Disclosures
Residential 55+ Community

Sources: REIN MLS record · city assessor · 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

$2,528/mo

Principal & interest

$1,966

Property tax

$244

Home insurance

$111

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

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 ✓

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

$340,000 – $459,990

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.

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
108 Early Station TRL · 0.3 mi · 2,086 sqft$459,990 sold 2026-04

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
ListedApr 23, 2026$378,990—
Price reducedMay 19, 2026$378,990−$1,000
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

Real questions, answered from the record

Is 431 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 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.
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

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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