3020 Tree Top Ln, Roanoke, VA 24018 Property Records

Roanoke County property record for 3020 Tree Top Ln, Roanoke, VA 24018

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,188 sqft · built 1968
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,660 (2026)
Deeds & Mortgages	Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`087.09-02-48`

Property Details

APN / Parcel Number

Primary APN	`087.09-02-48`
Alternative APNs	`000038277` `08709 248`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,188 sqft Finished Area
Gross Area	4,013 sqft
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Finished Basement	572 sqft
Unfinished Basement	572 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	286 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	000038277
Street Address	3020 TREE TOP LN
City	ROANOKE
State	VA
Zip	24018-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 3 BLK A SEC 2 PENN FOREST
Legal Subdivision	PENN FOREST I
Legal Block	A
Legal Lot Number	3
Jurisdiction	ROANOKE VA
Township / Civil Division	CAVE SPRING
Census Block Group	2
Census Block	2006
Census Tract	30802

Owner

3020 Tree Top Ln is owned and occupied by two individuals.

Source: Roanoke County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3020 TREE TOP LN, ROANOKE, VA 24018-4851
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Property Address	3020 TREE TOP LN, ROANOKE, VA 24018-4851
Document Number	0000005893
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3020 TREE TOP LN ROANOKE VA 240184851, ROANOKE, VA 24018-4851

Mortgage

Document Number	0000005893
Date	Jun 8, 2020
Instrument	5893

Lender

Name	HOMETRUST BK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 7, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3020 Tree Top Ln was $3,660.

Source: Roanoke County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,660.00	$355,400 Land $70,000 Building $285,400	$355,400 Land $70,000 Building $285,400
2023	$3,088.00	$291,400 Land $60,000 Building $231,400	$291,400 Land $60,000 Building $231,400

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

Flood

FEMA maps place 3020 Tree Top Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective December 21, 2023 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1985–2018)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2018 · Tropical Storm Michael

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

Wildfire risk around 3020 Tree Top Ln is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20