Botetourt County property record for 20 E Main St, Fincastle, VA 24090
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,200 sqft · built 1871 |
| Lot Size | 0.553 acres (24,095 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,263 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 73A(1)41&42 |
| Primary APN | 73A(1)41&42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,200 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1871 |
|---|---|
| Effective Year Built | Effective 1871 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Concrete Block |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 24,095 sqft (0.553 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 628 sqft |
| Deck Area | 150 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 24210 |
|---|---|
| Street Address | 20 E MAIN ST |
| City | FINCASTLE |
| State | VA |
| Zip | 24090-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Description | TOWN OF FINCASTLLOTS 41-42 |
| Legal Subdivision | TOWN OF FINCASTLE |
| Legal Lot Number | 41-42 |
| Jurisdiction | BOTETOURT VA |
| Township / Civil Division | FINCASTLE |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 40301 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Fincastle Historic District listed 1969 · 9 contributing resources · NRIS 69000224 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
20 E Main St, a single family home, is owned by two individuals.
Source: Botetourt County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 365, FINCASTLE, VA 24090-0365 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 28, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Apr 8, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Mar 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOTETOURT VA |
| Property Address | 20 E MAIN ST, FINCASTLE, VA 24090-3014 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220003834 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 220003834 |
| Name | FIRST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOTETOURT VA |
| Property Address | 20 E MAIN ST, FINCASTLE, VA 24090-3014 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0190001152 |
|---|---|
| Date | Apr 8, 2019 |
| Instrument | 190001152 |
| Name | SUNTRUST BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 25, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOTETOURT VA |
| Property Address | 20 E MAIN ST, FINCASTLE, VA 24090-3014 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0190000792 |
|---|---|
| Date | Mar 6, 2019 |
| Instrument | 190000792 |
| Name | SUNTRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2034 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 20 E Main St was $2,263.
Source: Botetourt County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Botetourt County |
| Municipality | Fincastle Town |
| Unified School District | Botetourt County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $323,400 (-) Land $50,000 Building $273,400 | $323,400 (-) Land $50,000 Building $273,400 | |
| 2025 | $2,263.00 | $323,400 Land $50,000 Building $273,400 | $323,400 Land $50,000 Building $273,400 |
| 2024 | $2,263.00 | ||
| 2023 | $231,800 (-) Land $40,000 Building $191,800 | $231,800 (-) Land $40,000 Building $191,800 | |
| 2022 | $1,831.00 | $231,800 Land $40,000 Building $191,800 | $231,800 Land $40,000 Building $191,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 E Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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.
Wildfire risk around 20 E Main St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF FINCASTLE serves 952 people · EPA ID VA2023300 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Also Mapped Here | WESTERN VIRGINIA WATER AUTHORITY |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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