4541 Cowman Rd, Roanoke, VA 24014 Property Records

Roanoke County property record for 4541 Cowman Rd, Roanoke, VA 24014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,454 sqft · built 1937
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$141,500 (Jan 2011)
Tax Bill	$1,912 (2026)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`089.01-04-34`

Property Details

APN / Parcel Number

Primary APN	`089.01-04-34`
Alternative APNs	`000041230` `08901 434`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,454 sqft Finished Area
Gross Area	2,881 sqft
1st Floor Area	1,454 sqft
Basement Area	1,126 sqft
Unfinished Basement	1,126 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Ranch
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	572 sqft

Exterior Amenities

Porch	Slab
Porch Area	133 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000041230
Street Address	4541 COWMAN RD
City	ROANOKE
State	VA
Zip	24014-7219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 11 S J JONES MAP 1
Legal Subdivision	BLUE RIDGE II
Legal Lot Number	11
Jurisdiction	ROANOKE VA
Township / Civil Division	VINTON
Census Block Group	3
Census Block	3003
Census Tract	31000

Owner

4541 Cowman Rd is owned and occupied by two individuals who bought it in January 2011.

Source: Roanoke County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4541 COWMAN RD, ROANOKE, VA 24014-7219
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

Date	Document
Aug 10, 2020	Deed of Trust, Mortgage · FHA Mortgage ATLANTIC UNION BK
May 21, 2019	Warranty Deed, Transfer · FHA Mortgage ATLANTIC UNION BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2011 · Amount on File
Deed Sale	Jan 10, 2011 · Amount on File
Deed Document Number	2011436
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Property Address	4541 COWMAN RD, ROANOKE, VA 24014-7219
Document Number	0000013976
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4541 COWMAN RD ROANOKE VA 240147219, ROANOKE, VA 24014-7219

Mortgage

Document Number	0000013976
Date	Nov 19, 2020
Instrument	13976

Lender

Name	ATLANTIC UNION BK
Address	RESTON, VA 20191

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROANOKE VA
Recording Date	May 21, 2019
Property Address	4541 COWMAN RD, ROANOKE, VA 24014-7219
Document Number	0000004440
Instrument Date	May 9, 2019
Instrument	4440
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.95
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4541 COWMAN RD ROANOKE VA 240147219, ROANOKE, VA 24014-7219

Mortgage

Document Number	4441
Date	May 21, 2019
Instrument	4441

Lender

Name	ATLANTIC UNION BK
Address	RESTON, VA 20191

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 20, 2049

Mortgage

Document Number	4442,
Date	May 21, 2019
Instrument	4442

Lender

Name	ATLANTIC UNION BK
Address	RESTON, VA 20191

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 20, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 4541 Cowman Rd was $1,912.

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	$1,912.00	$185,700 Land $31,500 Building $154,200	$185,700 Land $31,500 Building $154,200
2023	$1,658.00	$156,500 Land $26,300 Building $130,200	$156,500 Land $26,300 Building $130,200

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

Flood

FEMA maps place 4541 Cowman Rd in Zone X, an area of minimal flood risk, though there have been 2 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
Nearby Flood Claims	2 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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 4541 Cowman Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 76% of Virginia
Wildfire Likelihood	0.09% 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Glo Fiber, T-Mobile.

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