294 Ray St, Roanoke, VA 24019 Property Records

Botetourt County property record for 294 Ray St, Roanoke, VA 24019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,960 sqft · built 1997
Lot Size	0.889 acres (38,725 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Sep 2026)
Tax Bill	$2,274 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`107L(1)51`

Property Details

APN / Parcel Number

Primary APN	`107L(1)51`
Alternative APN	`14774`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,960 sqft Finished Area
Basement Area	980 sqft
Finished Basement	430 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,725 sqft (0.889 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	175 sqft
Deck Area	170 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	14774
Street Address	294 RAY ST
City	ROANOKE
State	VA
Zip	24019-8013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LAUREL MOUNTAIN LOT 51
Legal Subdivision	LAUREL MOUNTAIN
Legal Lot Number	51
Jurisdiction	BOTETOURT VA
Township / Civil Division	VALLEY
Census Block Group	1
Census Block	1015
Census Tract	40501

Owner

Source: Botetourt County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	294 RAY ST, ROANOKE, VA 24019-8013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
May 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage TRIUMPTH BANK
Nov 28, 2018	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Prior Sale	Nov 28, 2018 · Amount on Record
Deed Document Number	20263317
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BOTETOURT VA
Recording Date	Sep 11, 2026
Property Address	294 RAY ST, ROANOKE, VA 24019-8013
Document Number	0000003317
Instrument Date	Sep 10, 2026
Instrument	20263317
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	PERFORMANCE TITLE INC, PERFORMANCE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 RAY ST, ROANOKE, VA 24019-8013

Mortgage

Document Number	0000003318,
Date	Sep 11, 2026
Instrument	20263318

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOTETOURT VA
Property Address	294 RAY ST, ROANOKE, VA 24019-8013
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001773
Date	May 21, 2018
Instrument	180001773

Lender

Name	TRIUMPTH BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 5, 2019

Interest

Rate Type	Adjustable Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOTETOURT VA
Recording Date	Nov 28, 2018
Property Address	294 RAY ST, ROANOKE, VA 24019-8013
Document Number	180004428
Instrument Date	Nov 26, 2018
Instrument	180004428
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	FIRST CHOICE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 RAY ST, ROANOKE, VA 24019-8013

Mortgage

Document Number	180004429
Date	Nov 28, 2018
Instrument	180004429

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Botetourt County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Botetourt County
Unified School District	Botetourt County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$324,900 (-) Land $45,000 Building $279,900	$324,900 (-) Land $45,000 Building $279,900
2025	$2,274.00	$324,900 (+26.03%) Land $45,000 Building $279,900	$324,900 (+26.03%) Land $45,000 Building $279,900
2024	$2,274.00 (+11.69%)
2023		$257,800 (-) Land $45,000 Building $212,800	$257,800 (-) Land $45,000 Building $212,800
2022	$2,036.00	$257,800 Land $45,000 Building $212,800	$257,800 Land $45,000 Building $212,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	4 in force
Nearby Flood Claims	3 (2011–2013)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2013 · rainfall accumulation

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

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cox Communications, Glo Fiber.

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