4485 Windy Gap Dr, Roanoke, VA 24014 Property Records

Franklin County property record for 4485 Windy Gap Dr, Roanoke, VA 24014

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,444 sqft · built 1989
Lot Size	7.9 acres (344,124 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (May 2022)
Tax Bill	$3,602 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006 00-006 00`

Property Details

APN / Parcel Number

Primary APN	`006 00-006 00`
Alternative APN	`726`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,444 sqft Living Area
Gross Area	7,906 sqft
1st Floor Area	2,232 sqft
Basement Area	3,284 sqft
Finished Basement	3,284 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	344,124 sqft (7.9 acres)
Terrain	Steep
Garage Type	Mixed
Garage Area	660 sqft
Driveway	Paver Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	2,034 sqft
Deck Area	132 sqft
Balcony Area	44 sqft
Shed	1 Shed
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	726
Street Address	4485 WINDY GAP DR
City	ROANOKE
State	VA
Zip	24014-6141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	OFF RD 116 PARCEL 5
Jurisdiction	FRANKLIN VA
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2001
Census Tract	20301

Owner

Source: Franklin County records, as of June 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4485 WINDY GAP DR, ROANOKE, VA 24014-6141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
May 6, 2022	Deed, Transfer · Stand-Alone First Mortgage THE KELLY S WOOLWING TRUST DECLARAT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Deed Document Number	20223670
Deed Book / Page	1183 / 3278
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	4485 WINDY GAP DR, ROANOKE, VA 24014-6141
Transaction Type	Mortgage
Record Updated	Aug 28, 2023
Title Company	PERFORMANCE TITLE AND SETTLEMENT, PERFORMANCE TITLE & STLMT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012012923
Date	Jul 28, 2023
Book Page	1201/2923
Instrument	230004326

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Aug 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.7%
Margin	3
Max Rate	11.7%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 6, 2022
Property Address	4485 WINDY GAP DR, ROANOKE, VA 24014-6141
Document Number	0011833278
Book / Page	1183 / 3278
Map Reference	MB 963 PG 157&158
Instrument Date	May 6, 2022
Instrument	220003670
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	PERFORMANCE TITLE AND SETTLEMENT, PERFORMANCE TTL & STLMT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4485 WINDY GAP DR, ROANOKE, VA 24014-6141

Mortgage

Document Number	0220003671
Date	May 6, 2022
Instrument	220003671

Lender

Name	THE KELLY S WOOLWING TRUST DECLARAT
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of June 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,602.00 (-10.13%)	$837,900 (+27.5%) Land $71,500 Building $766,400	$837,900 (+27.5%) Land $71,500 Building $766,400
2023	$4,008.00	$657,200 (-) Land $64,500 Building $592,700	$657,200 (-) Land $64,500 Building $592,700
2022		$657,200 Land $64,500 Building $592,700	$657,200 Land $64,500 Building $592,700

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 January 6, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 78% of Virginia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Glo Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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