Roanoke City property record for 1202 Ray Rd SE, Roanoke, VA 24014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,433 sqft · built 1960 |
| Lot Size | 0.421 acres (18,339 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,851 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 438-0520 |
| Primary APN | 438-0520 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,433 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,339 sqft (0.421 acres) |
| Lot Dimensions | 210 ft deep x 80 ft wide |
| Garage Area | 350 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1202 RAY RD SE |
|---|---|
| City | ROANOKE |
| State | VA |
| Zip | 24014-4340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | NEW LOT A GARDEN CITY |
| Legal Subdivision | ROBERT E SMITH & LOLENE G SMIT |
| Legal Lot Number | A |
| Jurisdiction | ROANOKE CITY VA |
| Township / Civil Division | ROANOKE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 2800 |
Source: Roanoke City records · APN 438-0520
Assessment roll updated January 1, 2026 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1202 RAY RD SE, ROANOKE, VA 24014-4340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARTER BANK & TRUST |
| Oct 29, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2001 |
| Deed Sale | Jun 21, 2001 |
| Deed Document Number | 10011052 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANOKE CITY VA |
| Property Address | 1202 RAY RD SE, ROANOKE, VA 24014-4340 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010951 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 210010951 |
| Name | CARTER BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MARTINSVILLE, VA 24112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANOKE CITY VA |
| Property Address | 1202 RAY RD SE, ROANOKE, VA 24014-4340 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010787 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 190010787 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Roanoke City records · Assessment roll updated January 1, 2026 · Last verified March 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Roanoke City |
| Unified School District | Roanoke City Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,851.00 (+21.73%) | $233,700 (+21.72%) Land $39,600 Building $194,100 | $233,700 (+21.72%) Land $39,600 Building $194,100 |
| 2023 | $2,342.00 | $192,000 Land $27,500 Building $164,500 | $192,000 Land $27,500 Building $164,500 |
Source: FEMA National Flood Hazard Layer as of December 21, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 8 (1985–2018) |
| Claims Outside the SFHA | 3 of 8 |
| Most Recent Claim | Oct 2018 · river or lake flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 376 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.
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