5440 Setter Rd, Roanoke, VA 24012 Property Records

Roanoke County property record for 5440 Setter Rd, Roanoke, VA 24012

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,857 sqft · built 1993
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Jul 2015)
Tax Bill	$3,771 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040.17-03-04`

Property Details

APN / Parcel Number

Primary APN	`040.17-03-04`
Alternative APNs	`000015378` `04017 3 4`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,857 sqft Finished Area
Gross Area	4,700 sqft
1st Floor Area	1,857 sqft
Basement Area	1,850 sqft
Finished Basement	935 sqft
Unfinished Basement	915 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	25,265 sqft (0.58 acres)
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	118 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	000015378
Street Address	5440 SETTER RD
City	ROANOKE
State	VA
Zip	24012-8548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 7 BLK 1 GOLDEN VIEW ACRES
Legal Subdivision	GOLDEN VIEW ACRES
Legal Block	1
Legal Lot Number	7
Jurisdiction	ROANOKE VA
Township / Civil Division	HOLLINS
Census Block Group	4
Census Block	4009
Census Tract	31202

Owner

Source: Roanoke County records, as of June 25, 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 Record
Mailing Address	5440 SETTER RD, ROANOKE, VA 24012-8548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2015 · Amount on Record
Deed Sale	Jul 29, 2015 · Amount on Record
Prior Sale	Mar 16, 2011 · Amount on Record
Deed Document Number	20157146
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Property Address	5440 SETTER RD, ROANOKE, VA 24012-8548
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 SETTER RD, ROANOKE, VA 24012-8548

Mortgage

Document Number	0000002411
Date	Apr 5, 2023
Instrument	202302411

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Property Address	5440 SETTER RD, ROANOKE, VA 24012-8548
Document Number	0000015465
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5440 SETTER RD ROANOKE VA 240128548, ROANOKE, VA 24012-8548

Mortgage

Document Number	0000015465
Date	Dec 18, 2020
Instrument	15465

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 17, 2040

Tax Assessment & Valuation

Source: Roanoke County assessment roll, as of June 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	$3,771.00 (+9.15%)	$366,200 (+12.33%) Land $53,000 Building $313,200	$366,200 (+12.33%) Land $53,000 Building $313,200
2023	$3,455.00	$326,000 Land $53,000 Building $273,000	$326,000 Land $53,000 Building $273,000

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 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

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 66% of the US · above 56% 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 91 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	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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