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CarrolltonSOUTH HARBOR438 Tributary Ln✓ Source: REIN MLS #10628249 · record updated Aug 13, 2026 · synced every 2 min · your inquiry is never resold
438 Tributary LN, CARROLLTON VA 23314 - Main photo
438 Tributary LN, CARROLLTON VA 23314 - Photo 2
438 Tributary LN, CARROLLTON VA 23314 - Photo 3
438 Tributary LN, CARROLLTON VA 23314 - Photo 4
438 Tributary LN, CARROLLTON VA 23314 - Photo 5
2beds
2baths
1,898sqft
34days on market

438 Tributary Ln, Carrollton, VA 23314

Under ContractResidential · built 2026 · SOUTH HARBOR

Facts & features

Type

Residential

Year built

2026

Price / sqft

$247

HOA fee

$207/mo

Taxes

$2,925/yr

County

Isle of Wight County VA

MLS #

10628249

HOA association includes

ClubhouseOtherPlaygroundsPoolRV Storage

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

Interior

Bedrooms
2
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 BR, 1st Floor Primary BR, Attic, Foyer, PBR with Bath, Pantry, Porch
Interior features
Scuttle Access, Walk-In Closet
Appliances
Dishwasher, Dryer Hookup, Energy Star Appliance(s), Microwave, Gas Range, Washer Hookup
Equipment
Cable Hookup, Gar Door Opener

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool

Utilities & systems

Heating
Nat Gas,Programmable Thermostat
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
Other

Lot, parking & ownership

Subdivision
SOUTH HARBOR
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, Driveway Spc
Possession
CLOSING
Miscellaneous
Warranty Plan
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 #10628249

Tom & Dariya's overview

Our read on this home

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

At a glance

438 Tributary Lane is a brand-new 2-bedroom, 2-bath home in Carrollton's South Harbor community, delivering 1,898 square feet of thoughtfully designed living space with everyday essentials steps from your front door and two military installations within a short commute.

Read the full overview ↓

Why this home stands out

Built in 2026, this South Harbor address puts you in one of Isle of Wight County's newest residential communities — meaning modern construction standards, fresh systems, and a neighborhood that's still taking shape around you. With grocery stores, a gym, and multiple dining options all within a quarter mile, the convenience factor here is genuinely hard to match at this size and style of home in Carrollton.

SOUTH HARBOR and the Carrollton real estate market

South Harbor sits in Carrollton, Virginia — a growing corner of Isle of Wight County that occupies the western bank of the James River, just across the bridge from Hampton Roads proper. The community has a quiet, suburban feel without feeling remote; you're close enough to Suffolk, Newport News, and Hampton to tap into a wide range of employment and entertainment, yet far enough out that the pace stays relaxed. Carrollton's growth has been steady and intentional, attracting families and professionals who want newer construction without sacrificing access to the metro. Isle of Wight County is known for its strong civic identity, lower density, and a genuine small-town character that's increasingly rare this close to a major military and economic hub. South Harbor itself is a newer development, so streets are clean, infrastructure is current, and the community is still building its personality — the kind of neighborhood where you get in early and watch it flourish.

What's nearby

Daily errands practically run themselves from 438 Tributary Lane. Food Lion is just 0.3 miles away, and Publix Super Market at Bartlett Station is a quick 0.6-mile trip for a fuller shop. When you want something fast, Bojangles and La Parilla Mexican Grill are both within 0.1 miles — and Tropical Smoothie Cafe is right there too for a morning pick-me-up or post-workout refuel. Speaking of workouts, Anytime Fitness is 0.1 miles from your door, making it easy to build a consistent routine. A 7-Eleven and McDonald's round out the immediate corridor for those grab-and-go moments. Everything you need for a typical Tuesday is essentially walkable.

For different buyers

For military families relocating

NSA Northwest Annex is about 17 minutes from 438 Tributary Lane, and NSA Hampton Roads is roughly 21 minutes out — both very manageable for daily commutes. New construction means no deferred maintenance surprises during a PCS move, and Isle of Wight County's lower density makes settling in feel straightforward. Families who rely on a VA loan will find that a 2026-built home clears most financing hurdles without the inspection headaches older properties can bring.

For first-time buyers

If you're comparing homes for sale zoned for Smithfield High School or homes for sale zoned for Hardy Elementary School, South Harbor puts you squarely in that Isle of Wight County zone with the added advantage of brand-new construction. At 1,898 square feet across two bedrooms and two baths, the layout is manageable without feeling cramped — a smart starting point that gives you room to grow into the neighborhood as it develops around you.

More buyer questions

How far is 438 Tributary Lane from NSA Northwest Annex?

The drive from 438 Tributary Lane to NSA Northwest Annex is approximately 17 minutes under typical conditions, making it one of the more convenient Carrollton addresses for personnel stationed there.

What is the square footage and layout of 438 Tributary Lane?

The home offers 1,898 square feet of living space configured across 2 bedrooms and 2 full bathrooms, built new in 2026 with modern construction standards throughout.

Is 438 Tributary Lane in a flood zone?

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

Where is the nearest grocery store to 438 Tributary Lane?

Food Lion is just 0.3 miles away, making it the closest option, with Publix Super Market at Bartlett Station available 0.6 miles out for a broader selection.

Can a VA loan be used to purchase a new-construction home like this one?

Yes — VA loans are eligible for new-construction purchases, and a 2026-built home like 438 Tributary Lane typically meets VA appraisal and inspection requirements more easily than older properties.

Tom and Dariya Milan at LPT Realty know South Harbor and the broader Carrollton market well — reach out to get a straight-talking walkthrough of 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$395K – $540K2+ beds

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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

$2,816/mo

Principal & interest

$2,435

Property tax

$244

Home insurance

$137

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

45% of $1,041,600

City assessment record · taxes $2,925/yr

Land share of assessed value

100% — $1,041,600

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 · 0.2 mi · 1,898 sqft$490,000 sold 2026-09
1118 Breakwater TRL · 0.2 mi · 1,775 sqft$334,990 sold
23078 Retreat LN · 0.3 mi · 1,975 sqft$400,000 sold 2026-04

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

Sale & Tax History

List Price

$469,280

Price / Sq Ft

$247

Annual Taxes

$2,925

Monthly Tax

$244

HOA fee

$207 / mo

Tax Rate (effective)

0.62%

Sale Timeline (this listing)

EventDatePriceDetail
Price increasedMay 19, 2026$469,280+$69,290
ListedJul 10, 2026$469,280
Currently listed$469,280

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

55% below assessment

Total Assessed

$1,041,600

Land

$1,041,600

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 438 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 438 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 438 Tributary Ln?+
Yes — Anytime Fitness is about 0.4 miles away, per the cached nearby-places record for this address.
Where is the nearest grocery store to 438 Tributary Ln?+
Publix Super Market at Bartlett Station is about 0.5 miles away. The closest dining on record is Napoli É Ristorante Italiano (0.4 mi).
Does 438 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, Other, Playgrounds, Pool, RV Storage.
When was 438 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 #10628249

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

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438 Tributary Ln, Carrollton — photo

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

Call or text (757) 777-7577

438 Tributary Ln, Carrollton, Virginia 23314 · MLS #10628249 · 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.