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Carrollton › SOUTH HARBOR › 434 Tributary Ln✓ Source: REIN MLS #10622943 · record updated Jul 28, 2026 · synced every 2 min · your inquiry is never resold
434 TRIBUTARY LN, CARROLLTON VA 23314 - Main photo
434 TRIBUTARY LN, CARROLLTON VA 23314 - Photo 2
3beds
2baths
1,898sqft
0days on market

434 Tributary Ln, Carrollton, VA 23314

Under ContractResidential · built 2026 · SOUTH HARBOR

Facts & features

Type

Residential

Year built

2026

Price / sqft

$244

HOA fee

$195/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

MLS #

10622943

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 · city assessor · null fields are suppressed, never faked

About this home

PALLADIO RANCH. SOLD. TBB

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10622943

Tom & Dariya's overview

Our read on this home

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

At a glance

434 Tributary Lane is a brand-new 2026-built, three-bedroom, two-bath home in Carrollton's South Harbor community — 1,898 square feet of thoughtfully designed living space sitting less than 20 minutes from NSA Northwest Annex and surrounded by everyday conveniences right outside your door.

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

New construction in an established Isle of Wight County community is a rare find, and South Harbor delivers exactly that. You get the clean slate of a 2026 build — fresh systems, modern finishes, builder warranties — without the long commute that often comes with new-home corridors. Three bedrooms, two full baths, and nearly 1,900 square feet give you real room to grow, all within a quiet, well-kept neighborhood that already has roots.

SOUTH HARBOR and the Carrollton real estate market

South Harbor sits in Carrollton, a community within Isle of Wight County that occupies the quiet western bank of the James River. Carrollton has a distinctly suburban feel — tree-lined streets, low traffic, and neighbors who tend to stay put — while remaining genuinely connected to the broader Hampton Roads region. Route 17 is your main artery, putting you on the Monitor-Merrimack Memorial Bridge-Tunnel toward Newport News in minutes or heading north toward Smithfield for local shopping and dining. The county itself is known for its slower pace and strong sense of community, which makes South Harbor a natural anchor for families putting down roots. If you are comparing Carrollton homes for sale in Isle of Wight County, the combination of new construction quality and an already-established neighborhood streetscape is something that genuinely sets this pocket apart from newer, more isolated subdivisions elsewhere in the region.

What's nearby

Daily errands are almost effortlessly close. Food Lion is just 0.3 miles away, and Publix Super Market at Bartlett Station is 0.6 miles out — two solid grocery options without a real drive. When you want something quick before work, Tropical Smoothie Cafe, Bojangles, and La Parilla Mexican Grill are all within a tenth of a mile. A 7-Eleven and McDonald's cover the coffee-and-convenience angle just as close. Anytime Fitness at 0.1 miles means skipping the gym has no good excuse. The whole cluster of businesses along this corridor means you can handle most of your week's errands without ever getting on a highway.

For different buyers

For military families relocating

NSA Northwest Annex is an 18-minute drive, and NSA Hampton Roads is about 22 minutes out — both well within a manageable daily commute. A VA loan can make a new-construction purchase like this one especially straightforward, and Isle of Wight County's relatively stable home values give military families a solid foundation whether you're here for one tour or several. South Harbor's quiet streets and quick access to Route 17 make the logistics of base life noticeably easier.

For families upgrading

Families comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School will find South Harbor's location checks the right boxes on the school-zone map. Beyond that, 1,898 square feet of new construction means no deferred maintenance, no aging HVAC to budget around, and a layout designed for how people actually live today — three real bedrooms, two full baths, and room to settle in for the long term.

More buyer questions

How far is 434 Tributary Lane from NSA Northwest Annex?

The drive from South Harbor to NSA Northwest Annex runs about 18 minutes under normal conditions, making it one of the more convenient commutes available in this part of Isle of Wight County. NSA Hampton Roads is roughly 22 minutes in the other direction.

Is 434 Tributary Lane in a flood zone?

Flood zone designation for this address is covered in the FloodRisk tile on this page, which pulls the current FEMA map data for the parcel.

What is the property type and year built for 434 Tributary Lane?

434 Tributary Lane is a single-family residential home completed in 2026, offering three bedrooms, two full baths, and 1,898 square feet of living space in the South Harbor subdivision.

Where is the nearest grocery store to 434 Tributary Lane?

Food Lion is the closest option at just 0.3 miles away, and Publix Super Market at Bartlett Station is 0.6 miles out — both within a very short drive or even a walkable distance depending on your preference.

Does South Harbor have an HOA?

South Harbor does have a homeowners association; whether an HOA is active and what it covers for a specific transaction is worth confirming with current community documentation during the due-diligence period.

Tom and Dariya Milan at LPT Realty know South Harbor and the broader Carrollton market well — reach out to get a straight answer on what this address means for your next move.

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

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

Carrollton$390K – $535K3+ 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

$2,786/mo

Principal & interest

$2,406

Property tax

$244

Home insurance

$135

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

Why the land carries the value

Asking vs. assessment

663% 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

$334,990 – $490,000

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.

2213 Mainsail DR · 0 mi · 1,898 sqft$490,000 sold 2026-09
23078 Retreat LN · 0.2 mi · 1,975 sqft$400,000 sold 2026-04
422 Early Station TRL · 0.3 mi · 1,823 sqft$419,990 sold 2026-02

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

Sale & Tax History

List Price

$463,785

Price / Sq Ft

$244

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$195 / mo

Tax Rate (effective)

0.63%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 28, 2026$463,785—
Currently listed—$463,785—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

563% 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 434 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 434 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 434 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 434 Tributary Ln?+
Publix Super Market at Bartlett Station is about 0.3 miles away. The closest dining on record is Napoli É Ristorante Italiano (0.3 mi).
Does 434 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 434 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 #10622943

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.

434 Tributary Ln, Carrollton — photo

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

Call or text (757) 777-7577

434 Tributary Ln, Carrollton, Virginia 23314 · MLS #10622943 · 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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