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Carrollton › SOUTH HARBOR › 438 Tributary Ln✓ Source: REIN MLS #10628249 · record updated May 14, 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
$469,280
$247 / sqft · est. $3,023/mo →
2beds
2baths
1,898sqft
34days on market

438 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 #10628249

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

438 Tributary Lane is a brand-new 2-bedroom, 2-bath home in Carrollton's South Harbor community, offering 1,898 square feet of modern living in Isle of Wight County — with everyday conveniences literally steps from your front door and two major naval installations within a short drive.

Read the full overview ↓

Why this home stands out

Built in 2026, this home gives you the rare advantage of true new construction in an established Hampton Roads corridor — no aging systems, no deferred maintenance, just a clean slate designed for how people actually live today. South Harbor sits in Isle of Wight County, which means a quieter suburban pace without sacrificing access to the broader Hampton Roads metro. Two bedrooms and two full baths across nearly 1,900 square feet is a generous footprint that suits a wide range of lifestyles.

SOUTH HARBOR and the Carrollton real estate market

South Harbor is a residential community in Carrollton, Virginia, tucked inside Isle of Wight County on the western shore of the James River. Carrollton occupies a sweet spot in the Hampton Roads region — close enough to the urban core to reach major employers, bases, and entertainment quickly, yet far enough removed to feel genuinely suburban. Neighborhoods here tend to be well-kept and community-oriented, with a mix of newer construction and established homes that give the area a grounded, lived-in character. The county itself is known for lower traffic density compared to the Peninsula's busier corridors, and many residents appreciate the slightly slower pace without feeling disconnected. Getting into Newport News or Hampton is straightforward via Route 17 and the James River Bridge, and the broader Hampton Roads network of bridges and tunnels keeps the entire region within reach. For a 2026-built home in Carrollton's South Harbor, you're stepping into one of the region's more appealing suburban pockets.

What's nearby

Daily life is genuinely easy from 438 Tributary Lane. A Food Lion is just 0.3 miles away for quick grocery runs, and a Publix Super Market at Bartlett Station is only 0.6 miles out when you want a broader selection. Tropical Smoothie Cafe, Bojangles, and La Parilla Mexican Grill are all within 0.1 miles — meaning lunch or a smoothie after work is practically effortless. Anytime Fitness is also 0.1 miles away, so skipping the gym becomes a lot harder to justify. A 7-Eleven and McDonald's round out the immediate walkable options for those early-morning coffee runs.

For different buyers

For military families relocating

NSA Northwest Annex is about 17 minutes away, and NSA Hampton Roads is roughly 21 minutes — making 438 Tributary Lane a practical home base for service members at either installation. New construction means no surprise repair bills during deployment, and Isle of Wight County's calmer pace is genuinely family-friendly. A VA loan can make financing a brand-new home like this more accessible than many buyers expect.

For first-time buyers

Buying your first home and getting brand-new construction at the same time is a combination that's hard to beat. At 438 Tributary Lane, everything is fresh — systems, finishes, and structure — so your early years of ownership are less likely to come with costly surprises. The walkable conveniences right outside and the manageable two-bedroom layout make this a smart, low-stress entry point into homeownership in Carrollton.

More buyer questions

How far is 438 Tributary Lane from NSA Northwest Annex?

NSA Northwest Annex is approximately 17 minutes from 438 Tributary Lane under typical driving conditions. The route is straightforward via local roads through Isle of Wight County.

What county is 438 Tributary Lane in?

438 Tributary Lane is located in Isle of Wight County, Virginia, within the Carrollton community — which means county taxes and services rather than a city jurisdiction.

Is 438 Tributary Lane part of an HOA?

South Harbor is a planned residential community, and HOA membership is associated with the neighborhood — you'll want to confirm current HOA terms and any community guidelines during your due diligence process.

What is the flood risk at 438 Tributary Lane?

Flood zone designation for this address is detailed in the FloodRisk tile on this page — we recommend reviewing that information and consulting with your insurance agent as part of your research.

How far is 438 Tributary Lane from NSA Hampton Roads?

NSA Hampton Roads is about 21 minutes from this address, making it a workable commute for personnel stationed there, particularly given Carrollton's relatively uncongested road network.

Tom and Dariya Milan at LPT Realty know South Harbor and the broader Carrollton market well — reach out to get your questions answered and schedule a walkthrough of 438 Tributary Lane.

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

$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, 2 Space, Covered, Driveway Spc
Possession
CLOSING
Miscellaneous
Warranty Plan
Disclosures
Exempt from Disclosure/Disclaimer

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

$2,816/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 ✓

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.

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
23082 Retreat LN · 0.3 mi · 1,975 sqft$385,000 sold 2026-06

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 1, 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

Real questions, answered from the record

Is 438 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 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

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

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

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.

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