45 Ray St, Roanoke, VA 24019 Property Records

Botetourt County property record for 45 Ray St, Roanoke, VA 24019

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,118 sqft · built 1992
Lot Size	0.337 acres (14,662 sqft)
Owner	Individual Name on Record
Tax Bill	$2,132 (2025)
Deeds & Mortgages	Feb 2022 Refinance Aug 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107E(7)BK4-3`

Property Details

APN / Parcel Number

Primary APN	`107E(7)BK4-3`
Alternative APN	`13932`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,118 sqft Finished Area
Basement Area	1,118 sqft
Finished Basement	1,118 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,662 sqft (0.337 acres)
Terrain	Rolling

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	95 sqft
Deck Area	182 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	13932
Street Address	45 RAY ST
City	ROANOKE
State	VA
Zip	24019-8052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BOTETOURT SOUTH 3 IN 4 IN 2
Legal Subdivision	ORCHARDS
Jurisdiction	BOTETOURT VA
Township / Civil Division	VALLEY
Census Block Group	1
Census Block	1016
Census Tract	40501

Owner

Source: Botetourt County records, as of July 2, 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	45 RAY ST, ROANOKE, VA 24019-8052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Aug 2, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BLUE EAGLE CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOTETOURT VA
Property Address	45 RAY ST, ROANOKE, VA 24019-8052
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000554
Date	Feb 8, 2022
Instrument	220000554

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOTETOURT VA
Property Address	45 RAY ST, ROANOKE, VA 24019-8052
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190002674
Date	Aug 2, 2019
Instrument	190002674

Lender

Name	BLUE EAGLE CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 16, 2029

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Botetourt County assessment roll, as of December 2, 2025

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		$304,600 (-) Land $55,000 Building $249,600	$304,600 (-) Land $55,000 Building $249,600
2025	$2,132.00	$304,600 (+67.92%) Land $55,000 Building $249,600	$304,600 (+67.92%) Land $55,000 Building $249,600
2024	$2,132.00 (+48.78%)
2023		$181,400 (-) Land $35,000 Building $146,400	$181,400 (-) Land $35,000 Building $146,400
2022	$1,433.00	$181,400 Land $35,000 Building $146,400	$181,400 Land $35,000 Building $146,400

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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