446 Ray St, Roanoke, VA 24019 Property Records

Botetourt County property record for 446 Ray St, Roanoke, VA 24019

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,005 sqft · built 1997
Lot Size	0.745 acres (32,452 sqft)
Owner	2 Individual Names on File
Last Sale	$207,500 (Aug 2010)
Tax Bill	$3,429 (2025)
Deeds & Mortgages	Jan 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`107L(1)43`

Property Details

APN / Parcel Number

Primary APN	`107L(1)43`
Alternative APN	`14765`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,005 sqft Finished Area
Basement Area	1,631 sqft
Unfinished Basement	1,631 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	32,452 sqft (0.745 acres)
Terrain	Rolling
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	568 sqft
Deck Area	272 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	14765
Street Address	446 RAY ST
City	ROANOKE
State	VA
Zip	24019-8015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LAUREL MOUNTAIN LOT 43
Legal Subdivision	LAUREL MOUNTAIN
Legal Lot Number	43
Jurisdiction	BOTETOURT VA
Township / Civil Division	VALLEY
Census Block Group	1
Census Block	1015
Census Tract	40501

Owner

Source: Botetourt County records · APN 107L(1)43

Assessment roll updated December 2, 2025 · Last verified July 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	446 RAY ST, ROANOKE, VA 24019-8015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 12, 2010 · Amount on Record
Deed Sale	Aug 12, 2010 · Amount on Record
Prior Sale	Mar 03, 2010 · Amount on Record
Deed Book / Page	1000 / 3103
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOTETOURT VA
Property Address	446 RAY ST, ROANOKE, VA 24019-8015
Transaction Type	Mortgage
Record Updated	Sep 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000058
Date	Jan 05, 2021
Instrument	210000058

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Botetourt County records · Assessment roll updated December 2, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$489,800 (-) Land $45,000 Building $444,800	$489,800 (-) Land $45,000 Building $444,800
2025	$3,429.00 (+0.03%)	$489,800 (+42.67%) Land $45,000 Building $444,800	$489,800 (+42.67%) Land $45,000 Building $444,800
2024	$3,428.00 (+26.4%)
2023		$343,300 (-) Land $45,000 Building $298,300	$343,300 (-) Land $45,000 Building $298,300
2022	$2,712.00	$343,300 Land $45,000 Building $298,300	$343,300 Land $45,000 Building $298,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 17, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Cox Communications, Shenandoah Telecommunications Company.

Based on FCC filings for 320 locations within half a mile of this property.

Drinking Water

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

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 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.