Overlapped Nav Modifier Volume and have pathfinding use the lowest cost

I have a grid that represents terrain. Its a grid map. Each grid square uses an instance of a blueprint to store data. The Nav Modifier Volume is stored on the blueprint. Rougher terrain has a higher cost. This all works fine.

I have a river that uses node locations. A spline is then built. Then a mesh component is added. This basically builds a wall through the Nav Mesh preventing the pathfinding from crossing. This works fine.

I need a road. This is the problem. I know when the Nav Mod Volumes overlap the higher cost is used. I need the lower cost so the pathfinding will prefer the road rather than terrain. Since all the grid squares use the same blueprint I am trying to use the Nav System to make this work.

My thought is to make the road like I do the river. Instead of a wall I want a step. The idea is that the road is elevated out of the Nav Volume which have the terrain Nav Mod Volumes. The top of the step would enter a different Nav Volume which has a low cost for pathfinding.

Is this even doable or is there other ways to achieve the same result?